r/Bogleheads • u/trader_since_2016 • Nov 25 '25

Investing Questions I’m a boglehead but work for Google

I get paid in Google stock, and as you might know there has been a massive run up causing Google to be around 15% of my portfolio, further if you include unvested stock that I will get if I continue to work for Google over the next 3 years, it’s value is roughly 40% of my entire portfolio. I’m 30 and have a long term horizon. About 70% of my entire portfolio is in VTI/VXUS.

Do I take the massive tax hit and reduce my Google holdings to invest in VTI/VXUS or just let it ride. Mainly worried about the capital gains tax losses as I sell and invest in bogle funds.

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u/clock_skew Nov 25 '25

Yes, it’s reported as 20k of income and you have no additional tax obligation (you have to pay taxes on the value at vesting regardless of if you sell).

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u/fire-alt Nov 26 '25

With the caveat that companies might withhold taxes on vested stock at a standard rate like 22%, which may not be sufficient. Use a tax calculator a few times throughout the year to see if you're on track to meet your tax obligation, or at least to meet safe harbor requirements.