Principal Financial Group (PFG) Stock Concentration Calculator
Calculator · free · no signup · PFGQuantify Principal Financial Group concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
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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 Principal Financial Group
Principal Financial Group (PFG) is a public Fintech company, incorporated in Delaware and headquartered in Des Moines, IA.
Last close: $111.96 per share (as of 2026-10-03).
Equity grants at Principal Financial Group typically include restricted stock units (RSUs).
Principal Financial Group, Inc. (PFG) is an American global financial investment management and insurance company headquartered in Des Moines, Iowa.
Source: Wikipedia (CC BY-SA 4.0)
Founded in Des Moines in 1879, the company sells retirement plans, asset management, and insurance, with unusual strength in small and mid-sized employer retirement plans. Recordkeeping those plans creates a channel: participants roll balances into the company's own investment products, linking administration to asset management. International operations in Latin America and Asia add pension businesses in markets with growing formal employment. Fee revenue scales with account balances and therefore with markets. Headquarters are in Des Moines, Iowa.
Sources: sec.gov · en.wikipedia.org
Equity comp at Principal Financial Group
- Principal uses a double trigger for equity: RSUs held by executives only accelerate (vest early) if a change of control is followed by a qualifying job loss, not from the ownership change alone. One exception: balances in supplemental deferred-compensation plans (the Excess Plan and NQDB, executive retirement plans that sit outside the tax-qualified 401(k)) are paid out on the change of control alone, a single trigger, so those don't wait for a job loss.
- 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: Annual equity awards to executives typically vest over a three-year period (cliff or graded), shorter than the four-year schedule common at many large companies. Separately, non-employee director RSUs vest fully at the next annual meeting (about one year), a structure specific to board compensation rather than employee awards..
Sources: sec.gov · sec.gov · sec.gov
Researched 2026-08-25.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Principal Financial Group.
If a meaningful share of your net worth sits in PFG, 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 PFG's option-implied volatility.
Example: 5,000 PFG shares at $111.96 is a $559,800 position. A 30% drawdown costs $167,940; a 50% drawdown costs $279,900; a 70% drawdown costs $391,860. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using PFG's option-implied volatility and your cost basis.
All Principal Financial Group tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Principal Financial Group equity questions
- How much PFG 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 PFG position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Principal Financial Group grant ISOs, NSOs, or RSUs?
- Equity compensation at Principal Financial Group typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Principal Financial Group RSUs use double-trigger vesting?
- Yes. Principal Financial Group 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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