A large number of Indian professionals working at US listed companies receive equity as part of their compensation. RSUs that vest over four years. ESOPs that can be exercised after a cliff period. ESPP shares purchased at a discount.

Over time, as these vest year after year, they can grow into a significant part of your total wealth. And most of that wealth ends up concentrated in a single company’s stock.

That concentration is the problem.

If your employer’s stock falls 40%, so does a large chunk of your net worth. This is not theoretical. It has happened to employees at companies that looked completely stable from the inside. The solution is straightforward, diversify those holdings into a broader portfolio. But the question is how to do it efficiently.

When most investors want to move ESOP or RSU proceeds into a diversified US portfolio on Vested, the first instinct is to sell the shares, receive the USD, bring the money back to India as INR, and then send it abroad again via LRS.

That route works. But it is expensive.

You pay FX conversion twice, once when the USD comes into India as INR, and again when the INR goes back out as USD. You use up your LRS limit. And above ₹10 lakh remitted in a financial year, your bank collects TCS at 20%, which you get back eventually but only after filing your ITR and waiting for the refund.

There is a better way, and Vested has built it specifically for this situation.