2️⃣Part 2: Diversification Strategy #

After a structured sell-down, RSU proceeds are redirected into:

• Global diversified ETFs — international equities not correlated to your employer

• Australian shares — ASX-listed diversified exposure

• Debt recycling — converting your non-deductible mortgage into a tax-deductible investment loan, turning your home loan into a wealth-building engine

• Pre-tax super contributions — for lower-income earners where employer SGC hasn’t maxed the concessional cap, salary sacrifice and carry-forward contributions can reduce taxable income significantly

• Post-tax (non-concessional) super contributions — for high-income earners already at the concessional cap, up to $120K this FY (rising to $130K next FY) can go into super post-tax, or up to $390K via the 3-year bring-forward

This isn’t about selling everything and putting it in a savings account.

It’s about building a second wealth engine — one that grows independently, generates income, and doesn’t collapse if your employer has a bad quarter.