Insulet (PODD) Stock Concentration Calculator

Calculator · free · no signup · PODD

Quantify Insulet concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.

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Your inputs

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Position & portfolio

Default. Adjust to test.
35%
Default. Adjust to test.
20%
10%

Tax

67%
Highly concentratedLong-term
If 30% drop
−$150,000
If 50% drop
−$250,000
If 70% drop
−$350,000

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).

Tax
Wealth (3y)$956,485
+$33,417 vs.

Tax
Wealth (3y)$994,174
+$71,106 vs.

Tax
Wealth (3y)$1.04M
+$112,490 vs.

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.

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Build your own plan

Toggle below — chart updates live. Sell buttons show the slice.
Sell over 1 yearSell over 2 yearsSell over 3 yearsCustom
$712,500$815,995$919,489$1,022,984$1,126,478Yr 0Yr 1Yr 2Yr 3
Year 1
Year 2
Year 3
Tax$200,753
Hedge cost$37,676
Wealth at Y3$1,046,371
Vs. best fixed plan+$10,813

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.

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Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator

About Insulet

Insulet (PODD) is a public Medical Device company, incorporated in Delaware and headquartered in Acton, MA.

Last close: $131.69 per share (as of 2026-10-03).

Equity grants at Insulet typically include restricted stock units (RSUs).

The company makes the Omnipod, an insulin pump worn as a small adhesive pod with no tubing, which is replaced every few days rather than serviced. The disposable design converts a durable-equipment purchase into recurring consumable revenue and lowers the barrier for patients who reject conventional pumps. Expansion into type 2 diabetes widens the addressable population well beyond the original market. Pharmacy rather than durable-medical-equipment distribution has simplified patient access. Headquarters are in Acton, Massachusetts.

Sources: sec.gov

Equity comp at Insulet

  • Insulet's standard RSU grants vest over three years in equal annual chunks rather than the more common four-year schedule with a one-year cliff, so equity holders reach full vesting sooner. Equity acceleration on a change in control is double-trigger: it requires both the change in control and a qualifying termination (involuntary termination without cause, or for the CEO, also a resignation for good reason) within the protected window, not the deal closing alone. Under the company's Executive Severance Plan, the CEO and all EVPs and SVPs receive full acceleration of all outstanding equity awards upon such a qualifying termination tied to a change in control.
  • Early exercise is not allowed: you have to wait for shares to vest before you can buy them.
  • RSUs use double-trigger vesting. Two things must both happen before the shares are yours: (1) the normal time-based vesting completes, and (2) the company has a liquidity event (an IPO or an acquisition). Until both happen, you do not yet own the shares and you do not owe tax on them.
  • Vesting schedule: RSUs vest in three equal annual installments on the first, second, and third anniversaries of grant (no cliff); stock options vest in four equal annual installments over four years..

Sources: sec.gov · contracts.justia.com · sec.gov

Researched 2026-08-23.

OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Insulet.

If a meaningful share of your net worth sits in PODD, 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 PODD's option-implied volatility.

Example: 5,000 PODD shares at $131.69 is a $658,450 position. A 30% drawdown costs $197,535; a 50% drawdown costs $329,225; a 70% drawdown costs $460,915. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using PODD's option-implied volatility and your cost basis.

All Insulet tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →

Insulet equity questions

How much PODD 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 PODD position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
Does Insulet grant ISOs, NSOs, or RSUs?
Equity compensation at Insulet typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
Does Insulet allow early exercise of stock options?
No. Insulet requires options to vest before you can exercise them, so the holding-period clock for long-term capital-gains treatment starts as each tranche vests and you exercise it.
Do Insulet RSUs use double-trigger vesting?
Yes. Insulet restricted stock units (RSUs) vest only when two things both happen: the time-based schedule completes, and the company has a liquidity event such as an initial public offering (IPO) or an acquisition. Until both occur you do not own the shares and owe no tax on them.
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