Yes, I sell about half of each vest. ServiceNow's stock has performed well and I don't want to be overly concentrated in it. The proceeds go partly into Indian mutual funds and partly into my home savings account.

Fidelity NetBenefits, sell within a week of vest, wire home. My process was identical to a lot of Microsoft and Apple employees I know — the same broker, the same repatriation flow, the same hidden FX costs I wasn't aware of.

I came across a thread on a finance forum where someone had calculated the FX spread on Fidelity wires and it got shared widely. I did the same calculation for my situation and found I was losing about ₹29,000 a year. That's a decent SIP amount. Switching took less than a week.

Keep the sell-half strategy but start holding the kept half past the 24-month LTCG window before I sell. I was selling too early before — I wasn't tracking the dates carefully enough. Now I can actually see the countdown per lot and plan around it.

Moderate. I have a home purchase goal in two years and an education fund I'm building for my daughter. Those are specific, time-bound goals that require some capital preservation. I can take risk with what's beyond those — but not with the baseline.