Colgate-Palmolive (CL) Stock Concentration Calculator
Calculator · free · no signup · CLQuantify Colgate-Palmolive 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 Colgate-Palmolive
Colgate-Palmolive (CL) is a public Consumer Staples company, incorporated in Delaware and headquartered in New York, NY.
Equity grants at Colgate-Palmolive typically include restricted stock units (RSUs).
The Colgate-Palmolive Company, commonly known as Colgate-Palmolive, is an American multinational consumer products company headquartered on Park Avenue in Midtown Manhattan, New York City. The company specializes in the production, distribution, and provision of household, health care, personal care, and veterinary products.
Source: Wikipedia (CC BY-SA 4.0)
William Colgate started a soap and candle business in New York in 1806, and the merger with Palmolive-Peet came in 1928. Toothpaste is the franchise: Colgate holds a leading share of the global market, particularly strong in Latin America and India where emerging market volume drives growth. Hill's Pet Nutrition, acquired in 1976, sells prescription and wellness pet food through veterinarians and has become a substantial profit contributor. Headquarters are in New York City.
Sources: colgatepalmolive.com · en.wikipedia.org
Equity comp at Colgate-Palmolive
- 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 Colgate-Palmolive.
If a meaningful share of your net worth sits in CL, 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 CL's option-implied volatility.
All Colgate-Palmolive tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Colgate-Palmolive equity questions
- How much CL 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 CL position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Colgate-Palmolive grant ISOs, NSOs, or RSUs?
- Equity compensation at Colgate-Palmolive typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Colgate-Palmolive RSUs use double-trigger vesting?
- No. Colgate-Palmolive 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 Colgate-Palmolive equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.