You may be able to contribute fully vested stock, but it depends on your company’s policies and your position in the company.
Many large firms like SpaceX, Apple, Nvidia, Microsoft, Tesla, and Amazon have adopted diversification friendly policies. Generally, we would like to see more companies follow the standards set by SpaceX.
What SpaceX's Insider Trading Policy Gets Right About Employee Wealth
In a 2026 filing, they included this language: "employees may participate in (i) certain target stock funds designed for the purpose of portfolio diversification; provided that employees must confer with the Insider Trading Compliance Officer and obtain pre-clearance prior to entering into such stock funds (even if such employee is not otherwise subject to pre-clearance procedures) and (ii) exchange fund transactions in a broadly diversified exchange fund."
Also note that employees may be subject to company rules about trading windows and blackout periods. We can work with you to ensure that your investments are done during an open trading period.
Tell us about your situation and we’ll help you figure out whether you’re eligible to participate.
See more details about eligibility.