“Seven years of Intel RSUs held through a decade of flat performance. Finally building an exit plan.”
Barely. I sold a couple of lots in years two and three for specific expenses. After that I just... kept holding. Intel's stock has been difficult. I kept telling myself it would recover. Seven years later I have a large position at a variety of cost bases and no clear strategy.
E*TRADE for the shares, a spreadsheet that I built well but updated inconsistently. My CA and I had a system that worked, but the Schedule FA was always the painful part. With 28 lots, the manual SBI TT rate lookup was at least half a day every year.
When I finally decided to start planning a real exit from INTC and rotating into other assets, I needed to see exactly which lots made the most sense to sell first — lowest cost basis, longest held, best LTCG profile. My spreadsheet wasn't built for that kind of analysis. Rovia showed me the lot-level tax picture clearly.
Rotate out of Intel slowly and deliberately over the next three years. I'm not panic-selling — I'm accepting the reality of the position and moving toward a diversified portfolio. Some into Indian index funds, some into US total market. Intel might recover; I just don't want my retirement to depend on it.
I thought I was patient. I think patience and strategy are different things. I was patient with Intel but I didn't have a strategy. Going forward I'd say moderate — I want diversified growth without the company-specific concentration risk I've been living with.