Lowe's (LOW) Stock Concentration Calculator
Calculator · free · no signup · LOWQuantify Lowe's 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 Lowe's
Lowe's (LOW) is a public Retail company, incorporated in North Carolina and headquartered in Mooresville, NC.
Equity grants at Lowe's typically include restricted stock units (RSUs).
Lowe's Companies, Inc. is an American retail company specializing in home improvement. Headquartered in Mooresville, North Carolina, the company operates a chain of retail stores in the United States. As of October 28, 2022, Lowe's and its related businesses operated 2,181 home improvement and hardware stores in North America.
Source: Wikipedia (CC BY-SA 4.0)
Lucius Smith Lowe opened a hardware store in North Wilkesboro, North Carolina in 1921, and the chain became the second largest home improvement retailer after Home Depot. Its customer mix skews more toward do-it-yourself homeowners than professional contractors, which makes it somewhat more exposed to consumer discretionary spending and housing sentiment. Marvin Ellison, previously at Home Depot and JCPenney, has led a multi-year operational overhaul since 2018. Headquarters are in Mooresville, North Carolina.
Sources: corporate.lowes.com · en.wikipedia.org
Equity comp at Lowe's
- 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 Lowe's.
If a meaningful share of your net worth sits in LOW, 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 LOW's option-implied volatility.
All Lowe's tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Lowe's equity questions
- How much LOW 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 LOW position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Lowe's grant ISOs, NSOs, or RSUs?
- Equity compensation at Lowe's typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Lowe's RSUs use double-trigger vesting?
- No. Lowe's 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.
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OptionsAhoy plans your Lowe's equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.