Should Nvidia employees with stock options sell or stay put?

livemint.com:

₹6.45 lakh with RSU grants received from the company. RSUs, or restricted stock units, are shares awarded to employees on completion of certain milestones such as a promotion or completion of a predetermined number of years of employment with the firm. Nvidia’s massive stock appreciation has created many new millionaires, thanks to the employee stock options, or Esops.

One of them is a Bengaluru-based techie whose net worth has grown to ₹1.3 crore in the last six years, courtesy Nvidia’s stock options. The techie, who did not want to be identified, said his current annual CTC (cost-to-company) is ₹25–35 lakh. He holds Nvidia stocks through RSUs and Employee Stock Purchase Plan (ESPP), which allows employees to buy stocks at discounted price.

“My stock units have grown about 100X over the years," he said. Another employee, who holds Nvidia stocks worth ₹9 crore, told Mint that he accumulated the stocks over a decade through ESPPs offered by the company. “When I joined Nvidia, I was offered Esops at $12 a share," the employee, who also did not wish to be named, said.

Currently, Nvidia stocks are trading at about $822. This week, the company’s market valuation touched $2 billion. The rally has left many employees wondering whether they should cash in on the opportunity and book their gains or stay put to see the stock value grow further.

Meanwhile, some employees want the company to give them higher Esops and lower salaries. But, is that the right strategy? Financial experts say this is a good opportunity to liquidate stock holdings and use the capital to repay loans if any. Interest rates on loans have surged significantly in the last 18 months on the back of increased repo rates, so repaying the loans partially or fully