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Portfolio Check · by Olena Shevchenko · 2026-09-30

My RSUs are 70% of my net worth if I'm honest

32. I work at a company people would recognize. I kept telling myself the position would shrink naturally, but the stock kept outrunning my contributions elsewhere.

Real allocation today:
- 70% employer stock / RSUs
- 20% broad index funds
- 5% bonds
- 5% cash

Goal is regular retirement with maybe some flexibility later. Risk tolerance medium-high in theory, suddenly medium in practice. How would you unwind this without feeling like you're betraying future upside?

5 sparks · 5 comments

Comments

Oliver Smith · 8 likes

Pick a target date range, pre-commit sales, stop narrating every sale as a referendum on the company.

An Pham · 3 likes

Also remember your human capital is already concentrated there.

Aarav Sharma · 3 likes

Future upside is always seductive when the past graph went up.

Huy Le · 2 likes

70% is the portfolio equivalent of standing on one leg during a storm.

Olena Shevchenko · 1 likes

The one-leg-in-a-storm image may finally get through my skull