Nu Holdings (NU) Stock Concentration Calculator
Calculator · free · no signup · NUQuantify Nu Holdings 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 Nu Holdings
Nu Holdings (NU) is a public Fintech company, incorporated in E9 and headquartered in Sao Paulo, Sp, D5.
Equity grants at Nu Holdings typically include restricted stock units (RSUs).
David Velez, Cristina Junqueira, and Edward Wible founded Nubank in Sao Paulo in 2013, targeting a Brazilian banking market where five incumbents charged high fees and branch access was poor. The purple no-fee credit card spread by word of mouth, and the company added deposits, lending, investments, and insurance, expanding into Mexico and Colombia. It is among the largest digital banks anywhere by customer count, with roughly a hundred million customers, and listed on the New York Stock Exchange in 2021. Berkshire Hathaway was an early investor.
Sources: international.nubank.com.br · en.wikipedia.org
Equity comp at Nu Holdings
- 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 Nu Holdings.
If a meaningful share of your net worth sits in NU, 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 NU's option-implied volatility.
All Nu Holdings tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Nu Holdings equity questions
- How much NU 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 NU position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Nu Holdings grant ISOs, NSOs, or RSUs?
- Equity compensation at Nu Holdings typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Nu Holdings RSUs use double-trigger vesting?
- No. Nu Holdings 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 Nu Holdings equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.