---
title: "Part 3: Multi-Year RSU Roadmap"
url: "https://deltafinancial.com.au/4/rsu-playbook/45/part-3-multi-year-rsu-roadmap"
---

## 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:

![rsu_table_centered.png](https://deltafinancial.com.au/u/rsu_table_centered-WdPEz9.png)

$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.