Rivian (RIVN) Stock Concentration Calculator

Calculator · free · no signup · RIVN

Quantify Rivian 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

Default. Adjust to test.
35%
Default. Adjust to test.
20%
10%

Tax

67%
Highly concentratedLong-term
If 30% drop
−$150,000
If 50% drop
−$250,000
If 70% drop
−$350,000

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).

Tax
Wealth (3y)$956,485
+$33,417 vs.

Tax
Wealth (3y)$994,174
+$71,106 vs.

Tax
Wealth (3y)$1.04M
+$112,490 vs.

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.

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Toggle below — chart updates live. Sell buttons show the slice.
Sell over 1 yearSell over 2 yearsSell over 3 yearsCustom
$712,500$815,995$919,489$1,022,984$1,126,478Yr 0Yr 1Yr 2Yr 3
Year 1
Year 2
Year 3
Tax$200,753
Hedge cost$37,676
Wealth at Y3$1,046,371
Vs. best fixed plan+$10,813

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.

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Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator

About Rivian

Rivian (RIVN) is a public Other company, incorporated in Delaware and headquartered in Irvine, CA.

Equity grants at Rivian typically include restricted stock units (RSUs).

Rivian Automotive, Inc., is an American electric vehicle manufacturer and automotive technology company founded in 2009. It produces an electric sport utility vehicle (SUV) and a pickup truck, both on a "skateboard" platform that can support future vehicles and be adopted by other companies. They also produce an electric delivery van, the Rivian EDV. The EDV is sold to Amazon for its deliveries. It started deliveries of its R1T pickup truck in late 2021, R1S sport utility vehicle in 2023, and R2 midsize SUV in 2026. The company also operates the Rivian Adventure Network, an open DC fast charging network in the United States.

Source: Wikipedia (CC BY-SA 4.0)

RJ Scaringe founded the company in 2009 and pivoted from sports cars to electric trucks and SUVs, launching the R1T pickup and R1S SUV plus an electric delivery van built for Amazon, which is both customer and large shareholder. The 2021 listing was among the largest American IPOs, and the company then spent years working through manufacturing ramp costs at its Normal, Illinois plant. A Volkswagen joint venture announced in 2024 licenses its software and electrical architecture. Headquarters are in Irvine, California.

Sources: rivian.com · en.wikipedia.org

Equity comp at Rivian

  • 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 Rivian.

If a meaningful share of your net worth sits in RIVN, 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 RIVN's option-implied volatility.

All Rivian tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →

Rivian equity questions

How much RIVN 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 RIVN position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
Does Rivian grant ISOs, NSOs, or RSUs?
Equity compensation at Rivian typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
Do Rivian RSUs use double-trigger vesting?
No. Rivian 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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