Why holding onto your employer's stock out of loyalty could cost you lakhs in avoidable tax and, in some cases, a US estate tax bill you never saw coming. Tens of thousands of Indian professionals at US-listed companies such as Amazon, Microsoft, Google, and Meta receive RSUs or ESOPs as a major chunk of their compensation, often the largest pool of wealth they will ever accumulate. Yet most treat it carelessly, holding on out of loyalty, inertia, or misplaced optimism. These