KeyCorp (KEY) Stock Concentration Calculator
Calculator · free · no signup · KEYQuantify KeyCorp 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 KeyCorp
KeyCorp (KEY) is a public Fintech company, incorporated in Ohio and headquartered in Cleveland, OH.
Last close: $22.79 per share (as of 2026-08-19).
Equity grants at KeyCorp typically include restricted stock units (RSUs).
KeyBank is an American regional bank, headquartered in Cleveland, Ohio. Formed by the 1994 merger of the Society Corporation and KeyCorp, KeyBank is the 27th largest bank in the United States. The company today operates nearly 1,000 branches and over 1,200 ATMs across the Midwest, the Pacific Northwest and Northeast United States as well as in Alaska, Colorado, Texas and Utah.
Source: Wikipedia (CC BY-SA 4.0)
The bank traces to a 1994 merger of Society Corporation and KeyCorp and operates a branch network concentrated in the Midwest and Northeast, paired with a commercial investment bank focused on mid-sized companies. That advisory business distinguishes it from regional peers, adding fee income tied to deal activity. Laddered securities portfolios and deposit costs determine spread income. A minority investment from Scotiabank in 2024 strengthened capital. Headquarters are in Cleveland.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by KeyCorp.
If a meaningful share of your net worth sits in KEY, 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 KEY's option-implied volatility.
Example: 5,000 KEY shares at $22.79 is a $113,950 position. A 30% drawdown costs $34,185; a 50% drawdown costs $56,975; a 70% drawdown costs $79,765. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using KEY's option-implied volatility and your cost basis.
All KeyCorp tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
KeyCorp equity questions
- How much KEY 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 KEY position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does KeyCorp grant ISOs, NSOs, or RSUs?
- Equity compensation at KeyCorp 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 KeyCorp equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.