Allstate (ALL) Stock Concentration Calculator
Calculator · free · no signup · ALLQuantify Allstate concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator
About Allstate
Allstate (ALL) is a public Fintech company, incorporated in Delaware and headquartered in Northbrook, IL.
Equity grants at Allstate typically include restricted stock units (RSUs).
The Allstate Corporation is an American insurance company, headquartered in Glenview, Illinois since 2022. Founded in 1931 as part of Sears, Roebuck and Co., it was spun off in 1993, but was still partially owned by Sears until it became an independent company completely in June 1995. The company also has personal line insurance operations in Canada.
Source: Wikipedia (CC BY-SA 4.0)
Sears founded the insurer in 1931, selling auto policies by mail from its catalog operation, and spun it off fully in 1995. Auto and home insurance sold through exclusive agents built the business, and the company later added direct channels through Esurance and the 2021 National General acquisition while selling its life insurance arm. Catastrophe exposure from wildfires and severe convective storms drives quarterly volatility, and the company has withdrawn from writing new home policies in some high-risk states. Headquarters are in Northbrook, Illinois.
Sources: allstate.com · en.wikipedia.org
Equity comp at Allstate
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-08-17.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Allstate.
If a meaningful share of your net worth sits in ALL, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with ALL's option-implied volatility.
All Allstate tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Allstate equity questions
- How much ALL stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your ALL position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Allstate grant ISOs, NSOs, or RSUs?
- Equity compensation at Allstate typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Allstate RSUs use double-trigger vesting?
- No. Allstate restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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OptionsAhoy plans your Allstate equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.