MercadoLibre (MELI) Stock Concentration Calculator
Calculator · free · no signup · MELIQuantify MercadoLibre 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 MercadoLibre
MercadoLibre (MELI) is a public Marketplace company, headquartered in Montevideo, X3.
Equity grants at MercadoLibre typically include restricted stock units (RSUs).
MercadoLibre, Inc., known as Mercado Livre in Brazil, literally meaning "free market" in both languages, is a company of Argentine origin headquartered in Montevideo, Uruguay and incorporated in Delaware in the United States that operates online marketplaces dedicated to e-commerce and online auctions. As of 2016, Mercado Libre had 174.2 million users in Latin America, making it the region's most popular e-commerce site by number of visitors.
Source: Wikipedia (CC BY-SA 4.0)
Marcos Galperin founded the company in 1999 while at Stanford, building an auction marketplace for Latin America when card penetration and postal reliability made ecommerce difficult. Solving those constraints produced the business: Mercado Pago for payments and credit, and Mercado Envios for logistics, both now large enough to matter independently of the marketplace. Brazil, Argentina, and Mexico supply most volume. The company is incorporated in Delaware, operationally headquartered in Montevideo and Buenos Aires, and remains the dominant ecommerce platform in the region.
Sources: investor.mercadolibre.com · en.wikipedia.org
Equity comp at MercadoLibre
- 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 MercadoLibre.
If a meaningful share of your net worth sits in MELI, 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 MELI's option-implied volatility.
All MercadoLibre tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
MercadoLibre equity questions
- How much MELI 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 MELI position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does MercadoLibre grant ISOs, NSOs, or RSUs?
- Equity compensation at MercadoLibre typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do MercadoLibre RSUs use double-trigger vesting?
- No. MercadoLibre 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 MercadoLibre equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.