When Success Creates Hidden Risk
Let your RSUs not adversely impact your life goals
Review your RSUs with us
Does the following sound familiar?
If you're a senior professional in an IT or ITES MNC, your RSUs have likely grown from a "bonus" to 10–40% of your net worth, all tied to a single company.
You know the business. You trust the leadership. You work there.
But markets don't reward familiarity. They reward diversification.
History is unforgiving: tech companies lost 60–90% in 2000–2002, global blue chips fell 40–70% in 2008, and US tech stocks saw sharp drawdowns from 2021–2023 despite strong fundamentals.
The uncomfortable truth: Your career, income, and wealth all depend on the same company. That's not confidence. That's concentration.
At ShiftAlt Capital, we help Indian professionals convert career success into lasting wealth by systematically reducing RSU concentration risk and aligning capital with real life goals.
From Stock Risk to Life Outcomes
Our Philosophy
We begin with your life goals, not markets.
A well-designed portfolio funds predictable future liabilities with high probability and low regret. Here's how diversification helps across three major goals:
1. Children's Education Abroad: Certainty Over Speculation
A US or European undergraduate degree costs ₹1.5–3 crores today. Postgraduate programs add another ₹1-2 crores. This is a non-negotiable, foreign currency liability.
The RSU Risk
Equity-linked volatility makes timing unpredictable. A sharp drawdown before admission can derail years of planning.
Our Approach
We help clients gradually monetize RSUs and allocate proceeds into globally diversified assets: US equities, global ETFs, and stabilizing instruments aligned to education timelines, not market cycles.
Outcome
Your child's education depends on planning, not your company's stock performance in a single year.
2. Retirement Corpus: Independence Without Anxiety
Retirement failure typically comes from poor risk sequencing, not low earnings.
The RSU Risk
If retirement coincides with market downturns, company-specific bad news, or sector shocks, your corpus suffers when you can least afford recovery time.
Our Approach
We design portfolios that reduce single-stock exposure, balance growth with stability as retirement nears, and use global diversification to lower drawdown severity. The goal isn't maximum returns. It's maximum reliability.

Outcome: Retirement becomes a phase of choice and flexibility, not financial anxiety.
3. Long-Term Wealth Generation: Playing the Long Game
True wealth isn't built by concentrated bets, even successful ones. It's built through compounding across cycles, geographies, and asset classes.
The RSU Illusion
Your company may outperform for years, but wealth concentration is asymmetric. Upside is capped by valuation. Downside can permanently impair capital.
Our Approach
Reinvesting RSU proceeds into professionally curated and diversified portfolio spreads risk across regions and sectors, reduces large drawdowns, and allows regular rebalancing. It follows an institutional approach to capital management, not retail-style speculation.
Outcome
Steady, repeatable wealth creation that survives multiple market cycles.
Convert Career Uncertainty Into Capital Strength
Your career already carries uncertainty: industry shifts, technology changes, organizational risk. Your wealth doesn't need to amplify the same risks.
RSUs reward past performance. Diversification protects your future.
The real question isn't "Will my company do well?"
It's "Do I want my entire financial future riding on one answer?"
At ShiftAlt Capital, we help you turn professional success into durable, goal-aligned wealth with clarity, discipline, and global perspective.