Global RSU Playbook
A guide to navigating concentration risk, regulatory exposure, and inheritance traps — built for Indian tech professionals with global equity.

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.
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.
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
~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%
Capture the EM re-rating with low-correlation diversification beyond India.
Liquidity
Monthly
Min. Invest
$50,000
Returnsi1Y performance (in dollar terms)
41.0%
Structural investing beyond market noise. “Picks and shovels” across disruptive themes.
Liquidity
Weekly
Min. Invest
$100,000
Returnsi3Y IRR
21.6%
~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%
Capture the EM re-rating with low-correlation diversification beyond India.
Liquidity
Monthly
Min. Invest
$50,000
Returnsi1Y performance (in dollar terms)
41.0%
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
Our advisors specialise in RSU wealth management for Indian HNIs — strategy, compliance, and fund placement.