Except that RSUs that will mature 4 years from now will be granted today, so you have 4 years of potential appreciation even if you don’t have the money to buy

Except that RSUs that will mature 4 years from now will be granted today, so you have 4 years of potential appreciation even if you don’t have the money to buy those securities today. It’s quite difficult to replicate the same strategy without taking significantly more risk (i.e. margin), and it’s a big driver in why tech comps have been huge on average, because by the time shares vest they have already ballooned.