3️⃣Part 3: Multi-Year RSU Roadmap
The single biggest mistake I see tech executives make is treating each vest as a separate event. Sell a bit. Hold a bit. Repeat. No cohesion. No compounding.
A Multi-Year RSU Roadmap treats your entire vesting schedule — past, present, and future — as a single strategic asset to be optimised across time. It maps:
- Your vesting schedule and expected values across 3–5 years
- The projected tax impact of each vest at current and expected income
- The sell-down strategy for each vest
- The reinvestment plan and compounding trajectory
- Your retirement income projection at your target retirement age
Here's what that looks like in practice:
$1.08M reinvested into a diversified portfolio targeting 9% long-term returns:
✅ In 10 years: ~$2.65M
✅ In 15 years: ~$4.2M
That's the retirement income engine.
That's the difference between RSUs that create anxiety and RSUs that create freedom.
