No, not yet. Both my lots are still under 24 months. I'm trying to be patient and wait for the LTCG window before I do anything. That's the one thing I did learn early — don't sell before 24 months if you can avoid it.

E*TRADE for the shares. I was downloading the annual statement and handing it to my CA without really understanding what he needed. He kept asking for something called "INR cost basis at vest" and I didn't know what that meant or how to produce it. I Googled for two hours and found conflicting information.

My CA flagged that he couldn't complete Schedule FA without the SBI TT rate for each vest date. I had no idea what that was. A colleague who'd been in the same situation a year earlier pointed me to Rovia. The onboarding explained what Schedule FA was, why it applied to me, and then handled the data automatically. That was the first time the whole picture made sense.

Hold for now, then probably sell 50% when they hit two years and keep the rest. I'm still figuring out what I want — a house eventually, maybe build a separate index fund portfolio. I don't want to make big decisions while I'm still learning.

Moderate, I think. RSUs are my first real equity exposure beyond a couple of mutual funds. I don't want to be too aggressive while I'm still building my understanding. Ask me again in two years — I'll have a more informed answer.