Apple (AAPL) Stock Concentration Calculator
Calculator · free · no signup · AAPLQuantify Apple 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.
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 →About Apple
Apple (AAPL) is a public Hardware company, incorporated in California and headquartered in Cupertino, CA. IPO'd Dec 12, 1980.
Last close: $299.24 per share (as of 2026-06-17).
Equity grants at Apple typically include restricted stock units (RSUs).
Apple Inc. is an American multinational technology company headquartered in Cupertino, California, in Silicon Valley, and known for consumer electronics, software and online services. Founded in 1976 as Apple Computer Company by Steve Jobs, Steve Wozniak and Ronald Wayne, the company was incorporated by Jobs and Wozniak as Apple Computer, Inc. the following year. Its current name was adopted in 2007 as the company expanded its focus from computers to consumer electronics. Apple is one of the Big Tech companies.
Source: Wikipedia (CC BY-SA 4.0)
Founded in 1976 by Steve Jobs, Steve Wozniak, and Ron Wayne in Cupertino, California, Apple grew from a garage operation into the world's most valuable hardware company. The 1980 NASDAQ IPO seeded decades of expansion across iPhone, Mac, iPad, Apple Watch, Vision Pro, AirPods, and Services like the App Store, iCloud, and Apple TV+. Tim Cook took the CEO seat in 2011 and steered Apple past the $1 trillion mark in 2018 and $3 trillion thereafter, with fiscal 2024 revenue near $390 billion. Apple Silicon M-series chips and the Apple Intelligence push define the current chapter.
Sources: apple.com · en.wikipedia.org
Equity comp at Apple
- Apple does not grant ISOs to employees; equity comp is RSUs only. The AMT-ISO calculator does not apply.
- 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.
- Vesting schedule: 4 years, 1-year cliff (industry standard).
Sources: apple.com · investor.apple.com
Researched 2026-05-06.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Apple.
If a meaningful share of your net worth sits in AAPL, 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 AAPL's option-implied volatility.
Example: 5,000 AAPL shares at $299.24 is a $1,496,200 position. A 30% drawdown costs $448,860; a 50% drawdown costs $748,100; a 70% drawdown costs $1,047,340. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using AAPL's option-implied volatility and your cost basis.
All Apple tools → · Use the generic Stock Concentration Calculator for any company.
Apple equity questions
- How much AAPL 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 AAPL position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Apple grant ISOs, NSOs, or RSUs?
- Equity compensation at Apple typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Apple RSUs use double-trigger vesting?
- No. Apple 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.
One piece of the puzzle.
OptionsAhoy plans your Apple equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.