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Basically, You cannot become rich from the salary. Equity is the path to become rich.

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

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.

Simplifying investing the way it should be done. Thanks, Wint Wealth.

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.

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.

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

Ghanta. Dont fall for this guys. Join a fully established organisation. These guys got lucky

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.

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!!

Duude comment section is really smart, they understand well about these risks-reward ratios and survivorship biases Well done people

These videos are great! This is information we just don't get. Thank you so much guys!

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.

The power of entrepreneurship

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.

Very Inspiring Video ❤️

Apna time aa gya🎉

“The only money you have is the money in your bank account” 😊

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.

Amazing vedios, please make vedios like This

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.

Great talk!

Great content

Much needed video😅

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. :))

ESOP's are like lottery.Someone will win for sure but you can't depend on that.

I have 3 lakhs worth of ESOP shares... But they are worthless until the company decides to liquidate it.

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. 😢

It depends. On the company one chooses.

Great❤

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.

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.....

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.

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

Whoever is reading this please don't fall for this. I am into corporate world from last 12 years. This is one in a million chance. I knew many folks worked for certain startups hoping same would happen for them. 95% startups have been shutdown by now. Other 4% is still mediocre or fired those folks before all stocks could've vested.

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?

This eposode is advertisement of ESOP😊

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. 👍

❤❤

You have to own a business to become rich. Salary can only fulfill your living expenses.

Sahi hai

99% companies ESOP does not mean much - so lets not fall into this trap of ESOP

when these folks started out, flipkart was one of the major startup offering ESOP and it made many people rich. but now there are 100s of startups which offer ESOPS and many of them can turn out be useless and unlike investors we can't diversify

They just have been lucky, that's it period.

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 🎉🎉

helpful

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.

They just become lucky and now they will givr gyan truth is 99 percent of startup fails and so as esops

I'd only say one thing - Survivorship bias

Are RSU for a private company taxable?

Question: Will I be getting my ESOP's money back when I leave the company? What's the process?

Can someone tell me What are their qualifications?

Read about survivorship bias.

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%

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

ESOP taxation is bad for pre-ipo stocks

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 😅

Right? 😅

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!

mile jab to

It's like asking a lottery winner how to how to make money or become rich.

@Wint Wealth , what is the benefit of investing in real estate while liquidating ESOPs ?

Feeling sorry for the NVIDIA guy 🙂

So they became rich, that's good. But have they ever wondered at what cost?

Absolutely don't fall for esop shit. Next thing these guys will bring in lottery winners lol

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

#don't say lie

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.

Esop is very risky

ESOPs are like lottery, but worse, because lottery has expiry date in days. But to enjoy those ESOPs you need to wait for decades 😂

That’s y u tooK so long for this video…lot of editing!!

shakle dekho zara...kuposhan ke mareej

All interviewees are men. I hope one day we have women thinking and talking about financial independence.

luck BC

Right 😂😂

Labour aur rich 😂😂😂 ecpectional case like Sundar pichai

It’s more luck 😅

aise hi Paisa banana hai to dream 11 pe team na bana lo....bullshit