My stock is going to vest soon and I'll be getting $30k worth of MSFT stock. What is the best way to invest my money? Option 1 : Sell all and diversify by buying stocks of other tech companies I'm apprehensive about investing in stock market after recent drops and due to fear of a hypothetical recession in 2020. Option 2 : CDs Option 3 : Keep it as MSFT stock without selling Option 4 : Sell all and buy index funds Please let me know if you think any other option is better. TC : 175k, YOE : 1.5
If you hold it longer and sell at capital gains tax rate you may be better off long term. Compare sell now vs sell in one year
Invest in my startup
Cash flow businesses.
PUT IT IN CRYPTO IF YOU WANT TO BE RICH
This but unironically
Yea, if you believe market drops are coming then many economists hold USD or gold, why not crypto? I took this approach 6mo ago and would have been better off holding USD or Gold but I don't regret it.
Are they RSU, traditional options, or a qualified plan? How you get them matters for tax. RSU the tax is prepaid so you can sell them. Options need to be sold to cover the tax. Qualified plans hold for 2 years to avoid disqualifying disposition.
RSU and $30k is after tax (roughly)
Buy a house.
2 or 4 depending on how risky you think the market is right now / when you need the money back. Consider splitting the money between the two options.
Agreed. Keeping all in MSFT = no diversification. ETF will give you better coverage of overall market. Your time horizon comes into play with CDs as well. Fortunately high interest savings are competitive with short-term CDs if you need the option to remain liquid.
XVG . It's a next generation secure block chain that's going to revolutionize how human species interact.
VTSAX
The fund is closed for new comers. How to buy into it