Yes, two lots so far. WMT has been stable but not exciting — it's a defensive stock, not a high-growth one. I sold when I needed to, not because of any strategy. Now I'm starting to think more deliberately about what to do with the accumulating position.

Merrill Lynch equity plan. I'd never even heard of Schedule FA until a friend at Google mentioned it casually two years after my first vest. I went to my CA and he said yes, I should have been filing it — and that he would need the INR cost basis data for the previous two years. That was a difficult conversation.

The catch-up exercise. Reconstructing two years of SBI TT rates manually was painful. I found Rovia while looking for a better way to handle the ongoing filing. It also turned out that several colleagues at Walmart Global Tech were in the same situation — we'd all been under-informed about the India compliance side of US RSUs.

Hold WMT as a stable anchor in my portfolio and slowly add to it. It's not a high-excitement position but it's steady. I want the rest of my portfolio to be more growth-oriented — Indian mid-caps, some US tech exposure through funds. The RSU position is the defensive layer.

Moderate. I came to RSUs late compared to my FAANG peers and I'm still building my financial literacy around them. I'm not going to swing aggressively until I understand the full picture better. What I do know is that compliance needs to be clean, and now it is.