Global RSU Playbook
Your RSUs built
your wealth.
Now protect it.
Concentration risk. Regulatory exposure. Inheritance traps. Built for Indian tech professionals holding global equity.
Four risks. One root.
You hold global stock. Directly. As an Indian resident. Each of those facts carries a cost.
Your heirs could lose 40 cents on every dollar held in US stocks.
The Trigger
US-sited stock held by an Indian resident above $60,000. Taxed up to 40% upon death.
The Trap
The spousal exemption applies only to US citizens. Indian residents do not qualify.
The Solution
GIFT City fund wrappers are not US-sited assets. The exposure disappears.
Your heirs could lose 40 cents on every dollar held in US stocks.
The Trigger
US-sited stock held by an Indian resident above $60,000. Taxed up to 40% upon death.
The Trap
The spousal exemption applies only to US citizens. Indian residents do not qualify.
The Solution
GIFT City fund wrappers are not US-sited assets. The exposure disappears.
The instinct is to sell it all. That is not the answer either.
There is no
one-size-fits-all strategy.
non-negotiable.
Staggered Sale
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.
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.
Discipline beats prediction
in every scenario.
Pick a US ticker. We backtest 6 annual grants of 1,000 units across three approaches and reinvest proceeds into the S&P 500.
Some routes diversify.
Few close every risk.
| GIFT City AIF Funds | UCITs and other non-US Funds | US Based ETFs and Funds | Direct Investing in US stocks | |
|---|---|---|---|---|
| Diversification | ||||
| Professionally Managed | ||||
| Estate Tax Protection | ||||
| Tax efficiency | * | * |
| Solution | Diversification | Professionally Managed | Estate Tax Protection | Tax Efficiency |
|---|---|---|---|---|
Direct Investing in US stocks | ||||
US Based ETFs and Funds | ||||
UCITs and other non-US Funds | * | |||
GIFT City AIF Funds | * |
* Ionic's GIFT City Funds are structured to offer LTCG benefits like domestic funds, while other offshore funds may have tax implications on the basis of underlying sale/purchase of securities.
The Complete Global Basket
Diversified. Professionally managed. Outside US estate-tax reach. Taxed like a domestic fund. The structure does the work.
Global Innovation Fund
~30 best-in-class tech stocks focused on disruptive structural trends.
Liquidity
Fortnightly
Min. Invest
$100,000
ReturnsiSince inception absolute
return as of Feb 2026
7.71%
Global Emerging Market Ex‑India Fund
Capture the EM re-rating with low-correlation diversification beyond India.
Liquidity
Monthly
Min. Invest
$150,000
ReturnsiSince inception annualised
return as of Feb 2026
22.6%
Global Macro Fund
Structural investing beyond market noise. “Picks and shovels” across disruptive themes.
Liquidity
Monthly
Min. Invest
$100,000
ReturnsiSince inception annualised
return as of Feb 2026
23.2%
Global Innovation Fund
~30 best-in-class tech stocks focused on disruptive structural trends.
Liquidity
Fortnightly
Min. Invest
$100,000
ReturnsiSince inception absolute
return as of Feb 2026
7.71%
Global Emerging Market Ex‑India Fund
Capture the EM re-rating with low-correlation diversification beyond India.
Liquidity
Monthly
Min. Invest
$150,000
ReturnsiSince inception annualised
return as of Feb 2026
22.6%
Global Macro Fund
Structural investing beyond market noise. “Picks and shovels” across disruptive themes.
Liquidity
Monthly
Min. Invest
$100,000
ReturnsiSince inception annualised
return as of Feb 2026
23.2%
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)
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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