correct equity is only way. Even company not offering any ESOP if one can rightly identify and invest in good or multibagger stock wealth can grow multifold its all about spotting opportunity and remain invested
Don't compromise on salary packages for ESOPs. Treat ESOPs like a bonus. Keep buying/acquiring ESOPs in moderation from the company at regular intervals. Don't risk more than what you can afford to lose. A bird in hand is worth 2 in the bush
00:04 Employees became rich through stock options (ESOPs) 01:17 Employees became rich through stock options and pay increase 02:32 Employees receive stocks as RSUs from MNCs 03:49 Consider factors like work, role, and company mission to determine compensation. 04:57 Joining an early-stage startup has high growth potential for stocks. 06:03 Take advantage of liquidity events whenever possible. 07:15 Liquidate and diversify your portfolio to grow your net capital. 08:29 Exercising ESOP does not mean immediate access to the money, it is unlocked only on liquidity events.
My 2 paise worth; instead of obsessing about higher salaries and bigger numbers, learn to live within your means. Life is much easier when you don't have to worry about earning more money to cover more expenses or an expansive lifestyle. Work in what makes you happy, live frugally, surround yourself with loved ones and life will be good. Don't fall in the consumerist traps or capitalistic thought processes. It's much easier than one thinks to cut unnecessary expenses than to increase earnings.
I am a fresher and joined at Jun 2023 only. Your channel has been great to shape up of mindset on how to build wealth. and to learn various perspective and yes I invest in bonds through your platform as well. Thanks for great content. I am able to manage risk like preserve wealth but at the some time some allocation for expected grow much higher the inflation. Also as my company thinking of implementing a ESOPs themselves this video couldn't time better.
Its the best way to create wealth..as an employee you know what is going on in the company. Have seen many people achieve FI just because of esops. Many start their own venture which results in huge wealth creation. Basically once your all household expenses are taken care by FI corpus, you take more risks by using a monetisable idea and raising funds, without risking your own corpus.
While celebrating success, would be also fun and educating to watch ESOPs horror stories - what are some examples bad of ESOPs, how founders keep the rights to change anything anytime, taxation on first time exercising, less exercise window etc. etc.
Personal testimony. My ESOP company was acquired for a multiple valuation thus stopping the ESOP. Employees are paid out and it has created multiple millionaires. This isn’t typical but it is a phenomenal opportunity. Going forward all the companies I look for employment at will have to provide a level of equity. The downside of ESOPs is that they can devour its by having to payout formerly retired employees.
Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
I subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your adviser
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $483k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.
The adviser I'm in touch with is 'Jude Ryan Mcdonough' He works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me his strategy works hence my result. He provides entry and exit point for the securities I focus on.
I think a deep dive / case to case analysis / Role vs Location vs Experience vs Educational background level discussion before we generalise such stories is a must and concrete numbers instead of 30 or 100 X makes more sense for viewers watching this sort of content, Real numbers + Real timelines and how people managed those returns will make a good video Idea, Good content otherwise #WintWealth !! Keep up the good job
Most of the ESOPs(around 90%+ in India) will. Not benefit you as you will never be able to liquidate it. But if you are able to it will be a booster pack for your retirement funds and if you had joined early.. It can sort your entire retirement.
This is like listening to a story of holding Infosys stock since 1993. - Happy cases. You should also include the cons of holdiing ESOPs and RSUs. - They are just like the stocks, nothing else. If ESOP/RSU are 40-50% of your portfolio then it's risky. Just ask one question, if you have 1Cr, will you buy 50L worth of stocks of the same company? - Another point, by the time, you know if something has happened to the company, the damage (business and financial) would have already happened, so don't think that, just because you are working for the company, you know everything inside out. - There is a difference between "Buy and forget" and "Buy and keep until stoploss". The first one ignored how the prices move and second one keep you awake of the price. It is the sheer luck if the first one worked for you. Don't think that it will work everytime. There might be some cases where you actually have to forget the whole thing. Just an observation, many people don't buy even NIFTY (which is future of India - least risky equity) but same people bet on startups (which is the riskiest level). I am talking about employees - not founders here.
@@stephenwilson4931 I didn't say to not to invest into stocks. There are so many indian stocks which have performed way better than US stocks. But US stocks feel secure to the people (because of US attached to it). There are so many reasons why Indian stocks are preferred over US stocks.
Startup ESOP is just paper until it's gets listed and you can liquidate. Or the start up gets acquired and your terms enable you to get liquid money in return.
Inflation and Recessions are part of the economic cycle, all you can do is make sure you're prepared and plan accordingly. I graduated into a recession (2009). My 1st job after college was aerial acrobat on cruise ships. Today I'm a VP at a global company, own 3 rental properties, invest in stocks and biz, built my own business, and have my net worth increase by $500k in the last 4 years.
Let's face it... buying more stocks & index funds during stock market corrections and bear markets is scary. Which makes it really hard to do for most people like me. I have 260k i want to transfer into an s&s isa but its hard to bite the bullet and do it.
I agree with you totally, Yes they can be positively impactful to an individual's portfolio. I started with a trust Financial Adviser named " *Jenny Pamogas Canaya". She is verifiable and her work ethic complies with the US Investment Act of 1940. Her approach is transparent, allowing full ownership and control of my portfolio with very reasonable fees relative to my portfolio earnings.
She covers things like investing, insurance, making sure retirement is well funded and looking at ways to have a volatility buffer for investment risk, lots of things like that. You can take a look at her full name on the internet. She is renowned. So it shouldn't be difficult to find her official webpage
im 17 years old and i absolutely love wint wealth.... i have no idea why this channel hasnt blown up yet.... videos are informative and inspires me to be successful in life
Betting on ESOP is a huge risk. I have worked in several startups thinking ESOP would play a big role and it will give me the opportunity to unlock financial freedom, but destiny had other plans for me the startups I worked in never exercised ESOP, and kept on dealing with the process of allocating the esop or the startups got shut down. 😢
If a company making a deal on the CTC by offering a lesser or pay cut on your compensation, to get more percentage cut from ESOPs then reject that offer. ESOPs are a mirage.
Decrease DESIRE and increase DISCIPLINE are the two keywords for salaried people..... If you stop chanting Equity and embrace this two principles it will not only make you financially stable but good for overall quality of life.....
I hold ESOP of Pharmeasy. They registered for an IPO in 2021 but later on, they withdrew IPO plan after seeing LIC and Zomato's IPO I feel like, I will not be able to liquidate it
Finally a video after 2 weeks. Can't tell much about ESOPs as never been in startups but RSUs indeed are something one should hold on to specially if its a good brand. 👍
Accumulating 1 CR for even for an average engineer is no big deal if as a couple both are working. Once there, any mutual fund will start giving 10 lakhs passive return at 10%. Growing that corpus to 5 cr should be possible unless people are financially Indi disciplined or they have too many liabilities, other family members to feed. 10 cr is difficult but 5 cr at the age of 50 should be achievable.
@@WintWealthYTwhat happens when the unlisted shares become listed while selling? E.g. If unlisted shares were held for 6 months, then IPO happened and finally sold after 1 years from IPO. Will the gain be considered as LTCG?
I am on the verge of getting credited 25% of it but I don't think I am going to see the light of day as even getting ESOPS creadited depends upon company review, forget about getting chance to vest it. It's a complete trap most of the times. Anyway my end goal is entrepreneureship so not going to fall for it!
ESOPS : 1. Taxation is more than listed stock. 2. Liquidity is very limited. U r at the mercy of the company and its founders. 3. Almost 99.99% esops turn to 0.
In today's world if u r a salaried person with a respected package making money is not a big thing but for that u have to use ur mind 😂 that's create a difference 😅
There is absolutely no downside of having RSU’s they are sure sort event of a publically listed company u have full autonomy of when to liquidate them the same is not true for esop u might stick to a company longer for a liquidation event to happen which never happens
If you are interested in getting featured in one of our video, please fill this: bit.ly/46Cjdhr
Yes, I want to get featured in the video. However, Can you wait for me till 2030?
Basically, You cannot become rich from the salary. Equity is the path to become rich.
True
correct equity is only way. Even company not offering any ESOP if one can rightly identify and invest in good or multibagger stock wealth can grow multifold its all about spotting opportunity and remain invested
Yes
You can treat RSUs like salary only. The main funda is to not spend. You can easily outinvest the market than trying to outperform
Yeah. But equity is path to become poor also, if not taken care properly.
Don't compromise on salary packages for ESOPs. Treat ESOPs like a bonus. Keep buying/acquiring ESOPs in moderation from the company at regular intervals. Don't risk more than what you can afford to lose. A bird in hand is worth 2 in the bush
This is so true, can say from personal experience, joined a startup got ESOPs got laid off before those ESOPs could vest
00:04 Employees became rich through stock options (ESOPs)
01:17 Employees became rich through stock options and pay increase
02:32 Employees receive stocks as RSUs from MNCs
03:49 Consider factors like work, role, and company mission to determine compensation.
04:57 Joining an early-stage startup has high growth potential for stocks.
06:03 Take advantage of liquidity events whenever possible.
07:15 Liquidate and diversify your portfolio to grow your net capital.
08:29 Exercising ESOP does not mean immediate access to the money, it is unlocked only on liquidity events.
My 2 paise worth; instead of obsessing about higher salaries and bigger numbers, learn to live within your means. Life is much easier when you don't have to worry about earning more money to cover more expenses or an expansive lifestyle. Work in what makes you happy, live frugally, surround yourself with loved ones and life will be good. Don't fall in the consumerist traps or capitalistic thought processes. It's much easier than one thinks to cut unnecessary expenses than to increase earnings.
True brother very true 😊
I am a fresher and joined at Jun 2023 only. Your channel has been great to shape up of mindset on how to build wealth. and to learn various perspective and yes I invest in bonds through your platform as well. Thanks for great content. I am able to manage risk like preserve wealth but at the some time some allocation for expected grow much higher the inflation. Also as my company thinking of implementing a ESOPs themselves this video couldn't time better.
Fantastic!
Simplifying investing the way it should be done. Thanks, Wint Wealth.
You're welcome!
Its the best way to create wealth..as an employee you know what is going on in the company. Have seen many people achieve FI just because of esops. Many start their own venture which results in huge wealth creation. Basically once your all household expenses are taken care by FI corpus, you take more risks by using a monetisable idea and raising funds, without risking your own corpus.
While celebrating success, would be also fun and educating to watch ESOPs horror stories - what are some examples bad of ESOPs, how founders keep the rights to change anything anytime, taxation on first time exercising, less exercise window etc. etc.
99% companies ESOP does not mean much - so lets not fall into this trap of ESOP
do you mean that, we can't sell those esop?
Truth it is.💯
@@executer77 please elaborate
Yup.
U hit the ACHILLES heel😂
@@gurjar7628 ?
Personal testimony. My ESOP company was acquired for a multiple valuation thus stopping the ESOP. Employees are paid out and it has created multiple millionaires. This isn’t typical but it is a phenomenal opportunity. Going forward all the companies I look for employment at will have to provide a level of equity. The downside of ESOPs is that they can devour its by having to payout formerly retired employees.
Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
I subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your adviser
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $483k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.
wow ,that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio
The adviser I'm in touch with is 'Jude Ryan Mcdonough' He works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me his strategy works hence my result. He provides entry and exit point for the securities I focus on.
I think a deep dive / case to case analysis / Role vs Location vs Experience vs Educational background level discussion before we generalise such stories is a must and concrete numbers instead of 30 or 100 X makes more sense for viewers watching this sort of content, Real numbers + Real timelines and how people managed those returns will make a good video Idea, Good content otherwise #WintWealth !! Keep up the good job
Most of the ESOPs(around 90%+ in India) will. Not benefit you as you will never be able to liquidate it.
But if you are able to it will be a booster pack for your retirement funds and if you had joined early..
It can sort your entire retirement.
US MNC stocks can be liquidated in 1 day dude...
@@stephenwilson4931 aren't these MNC's listed?i.e RSUs
I am talking about co.panies that are not listed..ESOPS
Ghanta. Dont fall for this guys. Join a fully established organisation. These guys got lucky
High risk High return
right most of these locals will not allow to stay in company for longer so in general you will get 0 ESOP
Duude comment section is really smart, they understand well about these risks-reward ratios and survivorship biases
Well done people
This is like listening to a story of holding Infosys stock since 1993. - Happy cases.
You should also include the cons of holdiing ESOPs and RSUs.
- They are just like the stocks, nothing else. If ESOP/RSU are 40-50% of your portfolio then it's risky. Just ask one question, if you have 1Cr, will you buy 50L worth of stocks of the same company?
- Another point, by the time, you know if something has happened to the company, the damage (business and financial) would have already happened, so don't think that, just because you are working for the company, you know everything inside out.
- There is a difference between "Buy and forget" and "Buy and keep until stoploss". The first one ignored how the prices move and second one keep you awake of the price. It is the sheer luck if the first one worked for you. Don't think that it will work everytime. There might be some cases where you actually have to forget the whole thing.
Just an observation, many people don't buy even NIFTY (which is future of India - least risky equity) but same people bet on startups (which is the riskiest level). I am talking about employees - not founders here.
There are absolutely no cons of having RSU’s 😂
@@abhibhalla92 All the best. Remember, in equity, whenever you think "absolutely", "never", "guaranteed", "always" etc., you are missing something.
@@tsjoshihe is right dude... cash rkhne se koi fayda nhi h... see US tech stocks growth
@@stephenwilson4931 I didn't say to not to invest into stocks. There are so many indian stocks which have performed way better than US stocks. But US stocks feel secure to the people (because of US attached to it). There are so many reasons why Indian stocks are preferred over US stocks.
These videos are great! This is information we just don't get. Thank you so much guys!
Glad you like them!
Startup ESOP is just paper until it's gets listed and you can liquidate. Or the start up gets acquired and your terms enable you to get liquid money in return.
Inflation and Recessions are part of the economic cycle, all you can do is make sure you're prepared and plan accordingly. I graduated into a recession (2009). My 1st job after college was aerial acrobat on cruise ships. Today I'm a VP at a global company, own 3 rental properties, invest in stocks and biz, built my own business, and have my net worth increase by $500k in the last 4 years.
Let's face it... buying more stocks & index funds during stock market corrections and bear markets is scary. Which makes it really hard to do for most people like me. I have 260k i want to transfer into an s&s isa but its hard to bite the bullet and do it.
I agree with you totally, Yes they can be positively impactful to an individual's portfolio. I started with a trust Financial Adviser named " *Jenny Pamogas Canaya". She is verifiable and her work ethic complies with the US Investment Act of 1940. Her approach is transparent, allowing full ownership and control of my portfolio with very reasonable fees relative to my portfolio earnings.
She covers things like investing, insurance, making sure retirement is well funded and looking at ways to have a volatility buffer for investment risk, lots of things like that. You can take a look at her full name on the internet. She is renowned. So it shouldn't be difficult to find her official webpage
im 17 years old and i absolutely love wint wealth.... i have no idea why this channel hasnt blown up yet.... videos are informative and inspires me to be successful in life
ESOPs are a double edged sword. My previous ESOPs have been worthless so far. The guy at 4.18 is completely right. Never skimp on salary for ESOPs.
For which company are you working?
Very Inspiring Video ❤️
Betting on ESOP is a huge risk. I have worked in several startups thinking ESOP would play a big role and it will give me the opportunity to unlock financial freedom, but destiny had other plans for me the startups I worked in never exercised ESOP, and kept on dealing with the process of allocating the esop or the startups got shut down. 😢
Excellent video, took me a year to realize all this stuff. Wish you guys had done this a year earlier, lol. Anyway, amazing content! Keep posting. :))
Glad it was helpful!
I hold ESOPS in my company with a vesting period of 4 years with 1 year cliff.
Do I need to purchase ESOP first? To sell it?
Amazing vedios, please make vedios like This
Much needed video😅
If a company making a deal on the CTC by offering a lesser or pay cut on your compensation, to get more percentage cut from ESOPs then reject that offer.
ESOPs are a mirage.
Decrease DESIRE and increase DISCIPLINE are the two keywords for salaried people..... If you stop chanting Equity and embrace this two principles it will not only make you financially stable but good for overall quality of life.....
Apna time aa gya🎉
The power of entrepreneurship
This eposode is advertisement of ESOP😊
ESOP's are like lottery.Someone will win for sure but you can't depend on that.
You have to own a business to become rich. Salary can only fulfill your living expenses.
Getting a job is actually the least risky and easiest path to riches
Business aint easy. 95% of them fail.
@@raghuveer8137bro but job can't make you rich
I hold ESOP of Pharmeasy. They registered for an IPO in 2021 but later on, they withdrew IPO plan after seeing LIC and Zomato's IPO
I feel like, I will not be able to liquidate it
Finally a video after 2 weeks. Can't tell much about ESOPs as never been in startups but RSUs indeed are something one should hold on to specially if its a good brand. 👍
Its still the same risk/reward balance. You get rewarded more for the risk you take with startups where over 90% fail, just like day trading.
I have 3 lakhs worth of ESOP shares... But they are worthless until the company decides to liquidate it.
Bro in india only buisness pr super professional athletes are rich
It depends.
On the company one chooses.
Great talk!
Great content
Please make a video on how to save tax on esops by using real estate. Also id it possible to do the same using RSUs?
Great 🎉🎉
Thanks for the visit
Question: Will I be getting my ESOP's money back when I leave the company? What's the process?
Accumulating 1 CR for even for an average engineer is no big deal if as a couple both are working. Once there, any mutual fund will start giving 10 lakhs passive return at 10%. Growing that corpus to 5 cr should be possible unless people are financially Indi disciplined or they have too many liabilities, other family members to feed. 10 cr is difficult but 5 cr at the age of 50 should be achievable.
You can go for RSUs.
ESOPs are risky. It is either worthless or high reward. Treat it like a high reward bet, don't rely on it.
Are RSU for a private company taxable?
Tax on ESOP selling would not be as per income slab... It is equity so it will be LTCG or STCG so 10% or max 15%
Can someone tell me What are their qualifications?
They just become lucky and now they will givr gyan truth is 99 percent of startup fails and so as esops
@Wint Wealth , what is the benefit of investing in real estate while liquidating ESOPs ?
If ESOPs are held for more than 24 months(unlisted shares), tax can be saved by selling ESOPs and investing in flats/constructing a house u/s 54F.
@@WintWealthYTwhat happens when the unlisted shares become listed while selling? E.g. If unlisted shares were held for 6 months, then IPO happened and finally sold after 1 years from IPO. Will the gain be considered as LTCG?
❤❤
They just have been lucky, that's it period.
Great❤
Read about survivorship bias.
ESOP taxation is bad for pre-ipo stocks
I am on the verge of getting credited 25% of it but I don't think I am going to see the light of day as even getting ESOPS creadited depends upon company review, forget about getting chance to vest it. It's a complete trap most of the times. Anyway my end goal is entrepreneureship so not going to fall for it!
I'd only say one thing - Survivorship bias
Sahi hai
ESOPS : 1. Taxation is more than listed stock. 2. Liquidity is very limited. U r at the mercy of the company and its founders. 3. Almost 99.99% esops turn to 0.
In today's world if u r a salaried person with a respected package making money is not a big thing but for that u have to use ur mind 😂 that's create a difference 😅
It's like asking a lottery winner how to how to make money or become rich.
Absolutely don't fall for esop shit. Next thing these guys will bring in lottery winners lol
Watch this video and then read Nassim Nicholas Taleb's Fooled by Randomness
helpful
There is absolutely no downside of having RSU’s they are sure sort event of a publically listed company u have full autonomy of when to liquidate them the same is not true for esop u might stick to a company longer for a liquidation event to happen which never happens
Feeling sorry for the NVIDIA guy 🙂
So they became rich, that's good. But have they ever wondered at what cost?
Right? 😅
mile jab to
That’s y u tooK so long for this video…lot of editing!!
ESOPs are like lottery, but worse, because lottery has expiry date in days. But to enjoy those ESOPs you need to wait for decades 😂
All interviewees are men. I hope one day we have women thinking and talking about financial independence.
Esop is very risky
#don't say lie
shakle dekho zara...kuposhan ke mareej
luck BC
Labour aur rich 😂😂😂 ecpectional case like Sundar pichai
Right 😂😂
It’s more luck 😅
aise hi Paisa banana hai to dream 11 pe team na bana lo....bullshit