Equity Compensation
RSU vs Index Fund
Compare holding vested employer shares against selling on vest and investing the after-tax proceeds in a broad index fund.
Data note: supported tickers use stored daily close history committed with the app for repeatable local access. Unsupported custom tickers use sample generated data. This is not investment, tax, or legal advice.
Scenario
Tax Assumptions
Ordinary tax is charged at vest. Capital gains tax is estimated as if both strategies are liquidated on the comparison end date.
Winning strategy
Holding AMZN
$7,553 ahead
Difference
+32.3%
vs benchmark path
Vest value
$21,946
ordinary income
After-Tax Value Over Time
Modeled liquidation value using stored daily close prices.
Hold employer stockSell on vest into benchmark2021-04-01 to 2026-06-01
AMZN: Loading stored daily close prices
VTI: Loading stored daily close prices
Final Values
Hold employer$30,914
Sell into index$23,361
Ordinary tax$8,636
AMZN gains tax$4,401
VTI gains tax$2,513
Vest Schedule
Add each RSU vest date and share count.
Per-Lot Detail
Positive difference means holding employer stock won for that vest lot.
| Vest | Shares | AMZN price | VTI price | Vest value | Ord tax | Hold final | Index final | Diff |
|---|---|---|---|---|---|---|---|---|
| 2021-04-01 | 28 | $117.61 | $166.86 | $3,293 | $1,296 | $4,096 | $3,430 | $666 |
| 2021-07-01 | 28 | $126.94 | $175.89 | $3,554 | $1,399 | $4,045 | $3,534 | $511 |
| 2021-10-01 | 28 | $124.08 | $178.19 | $3,474 | $1,367 | $4,061 | $3,415 | $645 |
| 2022-01-01 | 28 | $103.68 | $161.85 | $2,903 | $1,142 | $4,171 | $3,106 | $1,065 |
| 2022-04-01 | 24 | $85.71 | $147.39 | $2,057 | $809 | $3,659 | $2,393 | $1,266 |
| 2022-07-01 | 24 | $75.98 | $136.40 | $1,824 | $718 | $3,704 | $2,274 | $1,430 |
| 2022-10-01 | 24 | $88.44 | $149.81 | $2,123 | $835 | $3,646 | $2,433 | $1,213 |
| 2023-01-01 | 24 | $113.27 | $170.68 | $2,718 | $1,070 | $3,531 | $2,775 | $755 |