Tempus AI (TEM) Stock Concentration Calculator
Calculator · free · no signup · TEMQuantify Tempus AI 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.
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 →About Tempus AI
Tempus AI (TEM) is a public Data company, incorporated in Nevada and headquartered in Chicago, IL. IPO'd Jun 14, 2024.
Last close: $50.56 per share (as of 2026-06-16).
AI healthcare data.
Equity grants at Tempus AI typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Tempus AI, Inc. is an American health technology company founded in 2015 by Eric Lefkofsky in Chicago, Illinois. It was established by Lefkofsky soon after his wife was diagnosed with breast cancer. Tempus uses data and artificial intelligence (AI) to create precision medicine services, including diagnostics, for oncology, cardiology, radiology, and depression. The company went public on the Nasdaq on June 14, 2024, under the ticker symbol "TEM."
Source: Wikipedia (CC BY-SA 4.0)
Eric Lefkofsky founded Tempus in Chicago in 2015 after his wife's breast cancer diagnosis exposed how little structured data oncologists could pull on demand. The platform now links clinical records with molecular sequencing across oncology, cardiology, and neuropsychiatry, and sells AI-enabled diagnostics back to physicians and pharma. Tempus listed on NASDAQ as TEM in June 2024 at $37. Revenue hit $1.27B in 2025 (up 83%), and a three-year AstraZeneca and Pathos collaboration adds $200M in data and model-development fees toward a multimodal oncology foundation model.
Sources: en.wikipedia.org · investors.tempus.com
Equity comp at Tempus AI
- 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 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Tempus AI.
If a meaningful share of your net worth sits in TEM, 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 TEM's option-implied volatility.
Example: 5,000 TEM shares at $50.56 is a $252,800 position. A 30% drawdown costs $75,840; a 50% drawdown costs $126,400; a 70% drawdown costs $176,960. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using TEM's option-implied volatility and your cost basis.
All Tempus AI tools → · Use the generic Stock Concentration Calculator for any company.
Tempus AI equity questions
- How much TEM 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 TEM position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Tempus AI grant ISOs, NSOs, or RSUs?
- Equity compensation at Tempus AI typically takes the form of incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs). Incentive stock options can trigger the alternative minimum tax (AMT) when you exercise. Restricted stock units are taxed as ordinary income when they vest.
- Do Tempus AI RSUs use double-trigger vesting?
- No. Tempus AI 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 Tempus AI equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.