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How to handle RSUs after vesting?
Posted on 7/1/14 at 2:21 pm
Posted on 7/1/14 at 2:21 pm
My wife is employed by Starbucks and will have a few Restricted Stock Units (RSUs) vesting soon. How, should these be handled?
Let them sit?
Sell them for cash?
Can they be rolled into her 401k? Fidelity handles both the RSUs and her 401k.
Any recommendations are welcome.
Thanks,
mcaval4
Let them sit?
Sell them for cash?
Can they be rolled into her 401k? Fidelity handles both the RSUs and her 401k.
Any recommendations are welcome.
Thanks,
mcaval4
2
Posted on 7/1/14 at 2:29 pm to mcaval4
You can just hold them or you can sell them, preferably just hold them but you can treat it like a bonus if you would like. I don't think you can roll them into a 401k, maybe an Ira though?
Posted on 7/1/14 at 3:34 pm to mcaval4
Well, she'll have income on the day of vesting - difference between FMV on day of vesting, and whatever amount she paid for them (assuming zero).
She'll have a basis in the shares that are delivered to her equal to the FMV of the shares on date of vesting. So if she sells them right away, she will have little to no capital gain or loss. If she holds on to them, she will incur capital gain or loss whenever she sells them.
I've never heard of rolling stock directly into a 401(k). Not to say it can't happen... call Fidelity and ask them.
IRA might work. But, she may or may not be eligible for a deductible IRA conribution, or a Roth.
She'll have a basis in the shares that are delivered to her equal to the FMV of the shares on date of vesting. So if she sells them right away, she will have little to no capital gain or loss. If she holds on to them, she will incur capital gain or loss whenever she sells them.
I've never heard of rolling stock directly into a 401(k). Not to say it can't happen... call Fidelity and ask them.
IRA might work. But, she may or may not be eligible for a deductible IRA conribution, or a Roth.
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