T. Rowe Price (TROW) Stock Concentration Calculator
Calculator · free · no signup · TROWQuantify T. Rowe Price 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 T. Rowe Price
T. Rowe Price (TROW) is a public Fintech company, incorporated in Maryland and headquartered in Baltimore, MD.
Last close: $110.32 per share (as of 2026-08-18).
Equity grants at T. Rowe Price typically include restricted stock units (RSUs).
T. Rowe Price Group, Inc. is an American publicly owned global investment management firm that offers funds, subadvisory services, separate account management, and retirement plans and services for individuals, institutions, and financial intermediaries. The firm has assets under management of more than $1.51 trillion and annual revenues of $6.48 billion as of 2023, placing it 537 on the Fortune 1000 list of the largest U.S. companies. Headquartered at 1307 Point Street in Baltimore, Maryland, it has 7,868 employees across 17 international offices with clients in 55 countries.
Source: Wikipedia (CC BY-SA 4.0)
Thomas Rowe Price founded the firm in 1937 around growth-stock investing, and it became one of the largest active mutual fund managers, with target-date retirement funds now a central franchise. The structural pressure is unambiguous: money has moved from active funds to index products for over a decade, and fee rates decline with it. Target-date funds inside employer retirement plans are the stickiest asset because contributions arrive automatically. The firm has carried no debt for most of its history. Headquarters are in Baltimore.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by T. Rowe Price.
If a meaningful share of your net worth sits in TROW, 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 TROW's option-implied volatility.
Example: 5,000 TROW shares at $110.32 is a $551,600 position. A 30% drawdown costs $165,480; a 50% drawdown costs $275,800; a 70% drawdown costs $386,120. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using TROW's option-implied volatility and your cost basis.
All T. Rowe Price tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
T. Rowe Price equity questions
- How much TROW 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 TROW position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does T. Rowe Price grant ISOs, NSOs, or RSUs?
- Equity compensation at T. Rowe Price typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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OptionsAhoy plans your T. Rowe Price equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.