BNY Mellon (BNY) Stock Concentration Calculator
Calculator · free · no signup · BNYQuantify BNY Mellon 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 BNY Mellon
BNY Mellon (BNY) is a public Fintech company, incorporated in Delaware and headquartered in New York, NY.
Last close: $163.93 per share (as of 2026-08-18).
Equity grants at BNY Mellon typically include restricted stock units (RSUs).
The Bank of New York Mellon Corporation, commonly known as BNY or by its prior brand name BNY Mellon, is an American international financial services company headquartered in New York City with major offices also in Pittsburgh, Pennsylvania. It was established in its current form in July 2007 by the merger of the Bank of New York and Mellon Financial Corporation. Through the lineage of Bank of New York, which was founded in 1784 by a group that included Alexander Hamilton, BNY is regarded as one of the three oldest banks in the United States and among the oldest in the world. It was the first company listed on the New York Stock Exchange. In 2024, it was ranked 130th on the Fortune 500 list of the largest U.S. corporations by total revenue, and a 2018 Fortune analysis identified it as the oldest company on the list. As of 2026, it was the 10th-largest bank in the United States by total assets and the 83rd-largest in the world. BNY is considered a systemically important financial institution by the Financial Stability Board.
Source: Wikipedia (CC BY-SA 4.0)
The institution traces to a bank Alexander Hamilton helped found in 1784, and after the 2007 merger with Mellon it became a custodian rather than a lender, holding and servicing assets for institutional investors. Custody is a scale business paid in basis points on assets under custody plus fees for fund accounting and collateral services. Net interest income on client cash makes results unusually sensitive to short-term rates. Technology spending is the recurring cost of remaining the plumbing of securities markets. Headquarters are in New York.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by BNY Mellon.
If a meaningful share of your net worth sits in BNY, 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 BNY's option-implied volatility.
Example: 5,000 BNY shares at $163.93 is a $819,650 position. A 30% drawdown costs $245,895; a 50% drawdown costs $409,825; a 70% drawdown costs $573,755. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using BNY's option-implied volatility and your cost basis.
All BNY Mellon tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
BNY Mellon equity questions
- How much BNY 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 BNY position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does BNY Mellon grant ISOs, NSOs, or RSUs?
- Equity compensation at BNY Mellon typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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OptionsAhoy plans your BNY Mellon equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.