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US Stocks & ETFs
Global Funds
Managed Portfolios
Private Markets
$250M+
ESOP/RSU transferred
4,00,000+
Global Portfolios Launched
$30,000
Average Portfolio Value
$1B+
Assets Under Administration
Why Diversifying ESOPs/RSUs Matter
Re-invest your RSUs into the US & Global markets
Concentration Risk
When your salary, future bonuses, and long-term savings all depend on the same company’s stock, a single event - earnings miss, leadership change, or market shift - could impact everything at once.
Estate Tax Trap
Non-US residents may be subject to US estate (inheritance) tax on US-domiciled assets exceeding $60k, with progressive tax rates that can go up to 40%, depending on the total value of assets held at the time of death.
Missed Global Exposure
Owning RSUs means exposure to a single company, often within one sector and geography. True diversification spreads risk across markets, industries, and cycles, helping your portfolio capture broader global growth beyond your employer’s stock.
Please consult your tax advisor before making any investment decisions.
Put your RSUs to work
Move beyond concentrated RSU exposure by investing across asset classes to build a diversified global portfolio, whether you're starting small or expanding beyond your company stock.
Please consult your tax advisor before making any investment decisions.
Transfer your RSUs to Vested with ease
You can transfer either shares or USD.
Create your Vested Account
Sign up and complete your 100% Digital KYC in less than 5 minutes
Transfer your holdings
Sell your RSUs and transfer USD to your Vested account via the ESOP/RSU transfer option
Start Investing!
Diversify into US Stocks, ETFs, Private Markets, Global Funds or Managed Portfolios starting at $1
Diversifying on Vested is Safe, Secure, and Simple
As per latest regulations, it is absolutely legal to diversify your US holdings.
Investments are protected under US regulatory bodies up to $500K - $250K for cash.
Funds & securities are held securely in US brokerage accounts.
Vested is registered as a FINRA member and a Broker Dealer called as VF Securities, Inc.
ESOPs/RSUs are treated as Overseas Portfolio Investments if under 10% equity holding. Read more.
Why RSU Holders Choose Vested
Read about experiences of those who have transferred their ESOP/RSU holdings with Vested
FAQ's
Have questions about ESOP / RSU transfers and investing?
Is it legal to transfer funds from my ESOP/RSU account?
Under 2022 Finance Ministry Overseas Investment rules, ESOP/RSU shares in listed companies are treated as Overseas Portfolio Investments if they are below 10% ownership. Under RBI's LRS, sale proceeds can be reinvested in other listed stocks within 180 days.
Can I transfer funds from my ESOP/RSU account?
In many cases, yes—after vesting or sale through your plan, you can initiate a transfer or wire of USD to your Vested brokerage account, subject to your employer broker’s process and any holding periods. Steps differ by broker; use the in-app ESOP/RSU transfer guides for your institution.
What are the charges associated with the funds transfer via RSU/ESOP/ESPP account?
Normally, the sender broker imposes a one-time wire transfer fee when you transfer the funds. This fee typically ranges from $25 to $65 per wire depending on the broker where you hold your RSU/ESOP/ESPPs.
What are the tax implications of ESOP/RSU transfers?
Tax treatment depends on your residency, how and when your equity is taxed at vest or sale, and whether you are moving cash or securities. Obligations may arise in both the US and India. Vested offers localized tax reports to support Indian filings, but you should consult a qualified tax advisor for advice tailored to your situation.