you’re great with stack overflow. less so with NPS.
For software engineers, product folks, and DevOps with RSUs vesting, ESOPs in escrow, and a 60% salary hike that just made your tax math interesting. We translate your CTC into a real wealth plan.
six conversations we’ve had before.
These come up in nearly every IT Pros call. We’ve seen them. We have answers.
RSU vest cliffs
4-year RSU cliffs in USD or EUR. Capital gains in INR. RBI LRS limits. Tax on grant + tax on sale + FX. We sort the sequence so you don’t pay twice.
ESOPs with paper value
A founder told you these were worth a fortune. Are they? Concentration risk vs upside, exercise-vs-defer math, tax timing. Honest second opinion.
NPS confusion
Section 80CCD(1B) extra ₹50k. Tier I vs Tier II. Auto vs Active. Annuity at 60 means what exactly? Demystified in 10 minutes.
Term cover gap
You think your employer’s ₹1Cr cover is enough. It isn’t. Personal term cover sized to your real income replacement need.
Tax-loss harvesting
Equity gains over ₹1.25L taxed at 12.5%. We help time exits, book losses to offset, and use the carry-forward rules properly.
SIP-on-autopilot
Set up a 15-year SIP plan that step-ups with every salary hike. So compounding actually keeps up with your income growth.
where we’d start.
The actual recommendations vary by what you have today. This is the general posture for someone in your situation.
mutual funds
SIPs that step-up 10% annually. ELSS for ₹1.5L 80C. Goal-based funds for the house downpayment in 5-7 years. explore mutual funds →
insurance
Personal term cover (10-15× salary, not employer’s ₹1Cr). Super top-up health (₹5L base + ₹25L super). Critical illness rider. explore insurance →
stocks
Once the foundation is solid — selective direct equity in sectors you understand. Diversified away from your sector concentration via employer ESOPs. explore stocks →
beyond the basics. specifically for you.
plan retirement around RSUs vesting + ESOP unlocks
Your equity wealth is concentrated and time-bound. We build the corpus + glide path around your vesting schedule, not against it. FIRE viable if income stays > expenses for the next 10 years.
will + nominees, before the next round
High income, concentrated equity, often a young family. A registered will + properly aligned nominees on ESOP/RSU accounts is non-negotiable. Most IT pros put this off for 5+ years.
IPO applications, minus the Slack-channel FOMO
Live list of every open issue, straight from BSE. Apply with spare cash through your own demat — after the same valuation sanity-check you'd run on an ESPP. GMP gossip not included, deliberately.
questions, answered.
If yours isn't here, ask Archita on the call. We answer in plain English.
RSUs vested — what should I do with the shares?
Sell at least 30-50% on vest and diversify into mutual funds. RSUs are concentration risk in your company's stock + your job is already tied to that company. We don't say sell everything — we say sell enough that one bad quarter at your employer doesn't dent both salary and net worth at once.
ESPP — should I enroll if my company offers 15% discount?
Almost always yes. 15% discount + 6-month look-back window = effective return of 17-30% on the day shares are bought, before any market move. Set the contribution at max allowed, then sell immediately on vest day if your company allows — flip the discount to cash, redeploy into MFs.
ESOPs from a startup — wait for liquidity or exercise early?
Depends on three things: strike price vs current FMV (tax hit), company runway (will it survive to exit?), and whether your jurisdiction taxes you on grant or exercise. We model the perquisite tax + capital gains scenarios for both early and at-exit exercise so you can see the after-tax number before deciding.
Do I really need term insurance if my company gives me ₹1Cr cover?
Yes. Group cover lapses the day you leave — and you might be uninsurable by then (age, health). Buy personal term at 30 when you're cheapest to insure. Group cover sits on top, not instead of. Run the term cover calculator for your actual number.
ELSS or NPS for the 80C bucket?
Both, layered. ELSS for the equity sleeve of 80C (3-year lock, historically 12-14% returns). NPS for the additional ₹50K under 80CCD(1B) on top — extra deduction on top of 80C. PPF if you have spare capacity for the debt sleeve. Order: ELSS first, NPS second, PPF third.
WFH from Goa for 6 months — does that affect anything tax-wise?
Yes for HRA (you can't claim if not paying rent). No for SIP / insurance / overall taxation since you're still resident. If WFH stretches past 182 days outside India in a financial year, you may turn NRI — different tax regime. We flag this before it becomes a problem.
let’s talk about your situation.
A 15-minute call. We’ll tailor the plan to your exact stage and circumstances.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
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