Global RSU Playbook
Your RSUs built
your wealth.
Now protect it.
A guide to navigating concentration risk, regulatory exposure, and inheritance traps — built for Indian tech professionals with global equity.
Four risks you may be
underestimating
Your heirs could lose 40 cents on every dollar held in US stocks.
The Trigger
Any US-sited stock held by an Indian resident above $60,000 — taxed at 40% upon death.
The Trap
Spousal exemption only applies to US citizens. Indian residents do not qualify.
The Solution
GIFT City fund wrappers are not US-sited assets — eliminating this exposure entirely.
Your heirs could lose 40 cents on every dollar held in US stocks.
The Trigger
Any US-sited stock held by an Indian resident above $60,000 — taxed at 40% upon death.
The Trap
Spousal exemption only applies to US citizens. Indian residents do not qualify.
The Solution
GIFT City fund wrappers are not US-sited assets — eliminating this exposure entirely.
There is no
one-size-fits-all strategy.
But diversification is
non-negotiable.
Core–Satellite Strategy
Retain a fixed conviction allocation in your company stock. Diversify the rest across global markets via professionally managed funds.
Core: 30–40%
Employer stock. High conviction holding.
Satellite: 60–70%
Diversified global fund managers.
Gradual Reduction
Sell RSUs systematically — 25% per quarter — spread across years. Defers capital gains. Eliminates regret.
If the stock rises, you still hold some.
If it falls, you already sold well.
Sell 25% of vested RSUs every quarter, defer the capital gains across years.
Discipline beats prediction
in every scenario.
Systematic transfer turned a −39.4% loss into a +39.3% gain.
Not all
diversification vehicles
are created equal.
| Ionic Gift City Funds | GIFT City Funds | UCITS | US Domiciled Funds | Offshore Brokerage | |
|---|---|---|---|---|---|
| Diversification | |||||
| Estate tax protection | |||||
| Regulatory simplicity | |||||
| Tax efficiency |
| Solution | Diversification | Estate Tax Protection | Regulatory Simplicity | Tax Efficiency |
|---|---|---|---|---|
Offshore Brokerage | ||||
US Domiciled Funds | ||||
UCITS | ||||
GIFT City Funds | ||||
Ionic Gift City Funds |
✦ Specific GIFT City Funds are structured to offer LTCG benefits like domestic funds, while rest of them have the impact of tax basis underlying sale/purchase of securities
The Complete Global Basket
Global Innovation Fund
~30 best-in-class tech stocks focused on disruptive structural trends.
Liquidity
2× monthly
Min. Invest
$150,000
ReturnsiAbsolute returns since 28 May 2025
11.6%
Global Emerging Market Ex‑India Fund
Capture the EM re-rating with low-correlation diversification beyond India.
Liquidity
Monthly
Min. Invest
$50,000
Returnsi1Y performance (in dollar terms)
41.0%
Global Macro Fund
Structural investing beyond market noise. “Picks and shovels” across disruptive themes.
Liquidity
Weekly
Min. Invest
$100,000
Returnsi3Y IRR
21.6%
Global Innovation Fund
~30 best-in-class tech stocks focused on disruptive structural trends.
Liquidity
2× monthly
Min. Invest
$150,000
ReturnsiAbsolute returns since 28 May 2025
11.6%
Global Emerging Market Ex‑India Fund
Capture the EM re-rating with low-correlation diversification beyond India.
Liquidity
Monthly
Min. Invest
$50,000
Returnsi1Y performance (in dollar terms)
41.0%
Global Macro Fund
Structural investing beyond market noise. “Picks and shovels” across disruptive themes.
Liquidity
Weekly
Min. Invest
$100,000
Returnsi3Y IRR
21.6%
Speak to an advisor about portfolio allocation
Structured via GIFT City IFSC · No US estate tax exposure
Questions we hear from tech employees
Move from intention
to execution.
Our advisors specialise in RSU wealth management for Indian HNIs — strategy, compliance, and fund placement.
AMFI Registered Mutual Fund Distributor
Angel One Wealth Limited (AOWL)
ARN AOWL - 293044
CIN AOWL - U66190MH2023PLC411784
Angel One Investment Services Private Limited (AOISPL)
ARN AOISPL - 306165
CIN AOISPL - U66190MH2024PTC426203
SEBI Registered Research Analyst Number- INH000020305
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
Registered Office: 601, 6th Floor, Ackruti Star, Central Road, MIDC, Chakala, Andheri (East), Mumbai - 400 093
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