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> What's worse, their pension plan was mostly invested in Nortel stock.

Why? Didn't they see what happened with Enron? Or did they try to diversify but couldn't?

While we're on the topic, how many people keep their RSUs vs how many sell?

The safe advice, and what I do, is to just sell immediately and diversify. Why keep all your eggs in one basket?

Maybe it varies by company but at every place I’ve worked the company sells a percentage of the vested RSU’s to cover tax liability so you’re left with post-tax shares. In my mind I agree it’s better to sell since there’s no tax advantage to holding and really just lots of downside potential.

Plus holding large amounts of your net worth in your company’s stock where you can only sell it at certain times of years doesn’t seem like a great plan.

ISO’s are different of course. It could indeed make a lot of sense to not exercise them for tax purposes.

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