---
title: "Part 2: Diversification Strategy"
url: "https://deltafinancial.com.au/4/rsu-playbook/44/part-2-diversification-strategy"
---

## 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.