One signal

A City AM personal-finance column says a London-based employee has about £100,000 in vested shares from a US-listed tech employer, with more due to vest over three years. The employee’s £80,000 global-tracker ISA also holds some shares in that company.

Fidelity International’s Marianna Hunt says that creates substantial exposure to one business, including through salary and bonus. Her point is practical: you needn’t predict whether AI is in a bubble to consider diversifying. She also advises checking pension holdings and the tax consequences of selling; this is general guidance, not personal financial advice.

Discuss: Should workers be encouraged to sell employer shares as they vest, even when that means giving up potential gains, or is concentration an acceptable price for backing your own company?

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