Question 1

What should I do with RSU concentration risk?

Accepted Answer

Diversify 40-50% of vested RSUs into mutual funds to reduce concentration risk. Holding all wealth in employer stock is dangerous.

Question 2

Should I continue SIPs during market crashes?

Accepted Answer

Yes. Continuing SIPs during downturns means you're buying at lower prices. Time in market beats timing the market.

Question 3

What's the ideal investment timeline for a house purchase in 5 years?

Accepted Answer

Start with 60% debt funds and 40% balanced funds, then gradually shift to debt as you approach the 5-year deadline (glide path strategy).

Question 4

How should I manage a layoff severance package?

Accepted Answer

Avoid major investment decisions in the first month. Focus on emergency fund, insurance coverage, and networking first.

Question 5

What's the right equity allocation if I'm 25 years from retirement?

Accepted Answer

Maintain 60-70% equity allocation with a glide path toward 40-50% equity as you approach retirement. This balances growth with stability.

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