RSU Sell-vs-Hold Calculator
Open →Should you sell IBM RSUs at vest or hold? Compare after-tax payout across the 12-month LTCG cliff.
Deep dive: Sell RSUs at vest or hold? And why 22% withholding isn't enough →Public. Plan AMT, exercise tax, and sell-vs-hold decisions around current trading price. Calculator inputs are yours.
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Should you sell IBM RSUs at vest or hold? Compare after-tax payout across the 12-month LTCG cliff.
Deep dive: Sell RSUs at vest or hold? And why 22% withholding isn't enough →Quantify IBM concentration risk: drawdown impact at 30 / 50 / 70%, sell-down vs. hedge trade-off, tax-aware.
Deep dive: How much of your net worth should be in one stock? →Hedge a IBM position: protective put, zero-cost collar, or put spread pricing off the current option chain. Annual cost, max loss, upside cap, tax notes.
Deep dive: How a zero-cost collar works on concentrated stock →Sell IBM stock to fund a goal (house, tuition, sabbatical): the minimum-tax schedule to net a target cash amount by a date, across tax years.
Deep dive: Cashing out stock for a goal? Convert your risk tolerance into cash. →Don't work at IBM? Find another company.
IBM trades publicly (IBM), so every calculator below prices off the live IBM price — no 409A estimate required. If you hold IBM equity (restricted stock units (RSUs)), your after-tax outcome turns on a few linked decisions.
The tools below model each of these: whether to sell RSUs at vest or hold for long-term capital-gains treatment and how much IBM concentration to carry versus diversify or hedge.
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OptionsAhoy plans your IBM equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.