While I understand the rationale from a Corporate Accounting perspective, as am Employee, these really suk. The price always goes down when they vest, so I end up earning less. My whole income stream (salary) it tied to this place, I do not need more exposure to an organization I have absolutely no say nor control in. Just give us ca$h, please. Also overcomplicates my Tax Filing. Ca$h is way easier. Please make RSUs go away.
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@1y8 - nowhere to go but down, bro'.
Took this dog >20+ years (pre-split basis) to even get back to this level -- nosebleed territory for this dinosaur of a a pi-s-poor run firm.
YMMV but I'm not holding any of this shyte any longer than I have to.
@OP Remind me to not sit at the same blackjack table as you. I guess you are the person to complain if they go up as well.
Absolutely pitiful after everything my RSU's came out to 1,110 for the ones that vested on 3/1/2026
This was the last of the 2022 that took 4 years to vest
@1c - nope. For 2 reasons:
- (which you correctly point out), the quantity of shares (calculate the "After Tax" number, which are released to you vs. the original # shares granted), are not sufficient to make any meaningful difference.
- This stock is currently just shy of a high it has not seen in over a decade. Very over done. You can roll the dice and make a bet on future share price increase, but given the quantity, only like 25 bucks difference.
I had shares that were granted at 52 in the early 2000s that I watched crumble to $3.85 during the 2008 Financial Crisis. Just kept falling and falling... like trying to catch a falling kn--e.
Ok, that is admittedly an extreme example and I certainly do not wish another Financial Crisis on anyone, but happened again 2-3 years ago when RSUs granted at $35ish, then fell to $15ish. Oh, the nausea!!
Don't repeat my mistakes. Sell those shares and use the funds to invest in a more broadly diversified fund, top off your Emergency Savings acct -- or do like I do now and just go out and enjoy a slightly nicer lunch on the the Bank's dime.
Maybe even at a sit-down restaurant with white tablecloths, instead of eating at your workspace (again).
P.S. my FA told me that the Bank is already my biggest risk and liability simply due to the fact that it is the source of my biggest financial asset -- my paycheck! He said I shouldn't carry anymore risk to the company than I need to, plus I have no control over how it is managed or operated.
Is it worth to hold them in the investment account? Since there is only roughly 25 or so, if stock goes up $1 that's only an increase of $25 so it's never really going to increase that much with only having so many units. Am I missing something? Not the most knowledgeable when it comes to the stock market. Thanks
For everyone complaining that these RSUs are a pain to cash out: that's. the. point.
Giving out cash bonuses means that cash goes right out the door. Giving out RSUs delays the payments going out by a year, then all the hoops you have to go through make it more difficult for the cash to completely leave their pockets. The more difficult they make it, the less cash they lose out on. It's a craven business decision, that's it.
D: @cj - preach it 'bro. Truth.
Management counts on us to Exit before these pathetic depreciating "shares" vest.
I hate this place, the Fleet Boston Mafia and their captive so-called Accountancy firm,
Just Show Me The Money!!! (instead of paying it to Yourselves) BTM eyeing you. mo' fo')
I despise the RSU's. For employees who like to fiddle with stocks can deal with the headaches. I am not one of those people. Cash Cash Cash. At least I have control over my money regardless what happens around the world. Considering that we are in the digital age, real time transactions should occur instantaneously. Nope, like others have stated, final transaction of vesting NOT reflected in my ML account as of this morning (3/4/2026). Furthermore, 20 percent federal, FICA, and additional local taxes are taken out thus reducing the number of stocks received. For me, this equates to around 63 percent of stocks vested value is actually received in the account after everything is cleared. I do not recall declaring 20 percent federal tax. It must be that mandatory federal regulation BS. Yep, RSUs are a joke for us small time folks...
@cg I was just coming to see if anyone else had that same issue. Mine shows delivered but it's not delivered to where it's supposed to be.
One grant vested on 3/1. It still hasn’t shown up in my ML account. Anyone else have this issue?
Everyone hates them because everyone knows it's disgraceful for the company to use these instead of cash bonuses. They do it so they can put out a release saying they awarded $xxxxxxxxxxxxxx worth of stock knowing that only $xxxx will actually vest and be paid out. If it were cash bonuses like it should be, the number is the number.
They literally drop every year in March... it's kind of wild how consistent it is
"My whole income stream (salary) it tied to this place...I have absolutely no say nor control in."
So then get some additional income streams happening for yourself.
Streams which you do have control over.
It's not that difficult or complicated to get rolling, so why aren't you doing it?
You're acting as if you have no agency in your own life.
Be an adult, look around and get some other things going, so you're not relying on just your salary for income.
Choices, choices, choices...life's all about the choices.
Also action vs. inaction.
Only you can change things positively for yourself because quite frankly, no one else cares.
Harsh reality of life.
I absolutely hate the RSU's. I hate having to figure them out, waiting for the vesting period and your right they do drop right around the vesting period.