Concentration Risk Dashboard

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Awaiting analysis

Enter your position below

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Quick Presets

Your Position

Stock Price ($)

Annual Volatility (%)

Vested Shares

Unvested Shares (RSU)

Cost Basis / Share ($) (for tax lot)

Avg Grant Acquisition Date

Rest of Portfolio

Liquid Assets ($)

Retirement (401k/IRA)

Real Estate Equity ($)

Other Investments ($)

Diversified Portfolio Ret. (%/yr)

Total Liabilities ($)

⚠ Hidden concentration risk detected

Your portfolio correlation is high — your effective concentration is greater than the headline number suggests.

Tax Parameters

Federal Inc. (%)

LTCG (%)

State (%)

State Preset

NIIT (Net Investment Income Tax, %)

Simulation Parameters

Horizon (years)

Paths

S&P 500 Expected Return (%/yr)

Risk-Free Rate (%)

⚡ Fast Mode (500 paths — instant results on mobile)

🔒 All calculations run locally. Nothing is transmitted.

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Dashboard Overview

Enter your position to see analysis

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Run analysis to see your verdict

Enter your position details and click "Run Analysis" to get a personalised concentration risk assessment.

Safe <10% Caution 10–25% High >25%

Total Net Worth

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Assets minus liabilities

Company Stock Value

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Vested shares today

Concentration

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Of liquid + investable NW

Forward Conc. (incl. unvested)

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After all RSUs vest

Diversification Score

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Out of 100

Diversification Score

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Enter data to score

Net Worth Breakdown

Company Equity—

Unvested RSUs—

Liquid—

Retirement—

Real Estate—

Net Worth—

Liquidity Ratio —

Liquid assets as % of total net worth

Value at Risk & Downside Scenarios

1-Day VaR (95%)

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Max expected loss

1-Day VaR (99%)

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Tail loss estimate

CVaR (Expected Shortfall)

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Avg loss in worst 5%

Crash Scenario Analysis

Sensitivity Analysis (Tornado)

📌 How to read this: Each bar shows how much your 1-year portfolio value changes when that factor moves ±20%. Longer bar = bigger impact on your wealth. Focus on the longest bars first.

Sharpe Ratio (concentrated)—

Sharpe Ratio (diversified)—

Diversification Benefit—

Portfolio Allocation

💡 What If I Sold X Shares Today?

Drag to explore selling scenarios 0 shares

Net Proceeds

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Tax Due

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New Conc.

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Effective Tax Rate

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Capital Gain / Loss

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Risk Level After Sale

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Tax-Aware Sell Planner

Shares to Sell 0

Gross Proceeds—

Capital Gain / (Loss)—

Total Tax Due—

Net Proceeds (after tax)—

Effective Tax Rate—

New Concentration %—

Staged Selling Calendar

Selling all at once maximizes tax drag. Here's a tax-efficient multi-year plan to reach below 10% concentration.

Tax Lot Optimizer

Select lots to sell. LTCG lots save the most on tax — sell highest-basis lots first to minimize gains.

	Lot	Shares	Basis/sh	Gain/sh	Type	Tax Est.

Total Tax on Selected —

Net Proceeds —

Priority Actions

Hedging Strategies

Zero-Cost Collar

Protective Put (floor)—

Covered Call (cap)—

Range Protected—

A collar lets you defer taxes while eliminating most downside. Works best for Rule 144 insiders or blackout-window constraints.

Exchange Fund (if eligible)

Min. Contribution—

Lock-up Period7 years typical

Contribute appreciated shares, receive diversified fund interest. Tax deferred until you exit the fund. Requires accredited investor status.

10b5-1 Selling Plan

A 10b5-1 plan pre-commits to a selling schedule, providing an affirmative defense against insider trading liability. Most plans require a 90–120 day cooling-off period after adoption.

Rule 144 Selling Calendar

📌 Rule 144 governs when company insiders (officers, directors, and 10%+ shareholders) can sell restricted or control securities. This calendar shows your estimated open and blackout windows based on typical quarterly earnings cycles. Always confirm exact dates with your legal team — blackout windows vary by company.

Your Insider Status

Open window

Earnings blackout

Cooling-off period

Rule 144 Requirements

Monte Carlo — 5,000 Simulated Paths

📌 What this shows: We simulate thousands of random market scenarios using your stock's volatility. The green band is the optimistic 90th percentile, the red band is the worst-case 10th percentile. A wider gap = more uncertainty from concentration.

▬ 90th percentile ▬ Median ▬ 10th percentile ▬ S&P 500

Portfolio Outcomes at Horizon

Concentrated (current)

90th pct—

Median—

10th pct—

Prob. beat S&P—

Diversified (after selling)

90th pct—

Median—

10th pct—

Prob. beat S&P—

Concentrated vs Diversified — Distribution of Final Wealth