The Hartford (HIG) Stock Concentration Calculator
Calculator · free · no signup · HIGQuantify The Hartford 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 The Hartford
The Hartford (HIG) is a public Fintech company, incorporated in Delaware and headquartered in Hartford, CT.
Last close: $138.96 per share (as of 2026-08-19).
Equity grants at The Hartford typically include restricted stock units (RSUs).
The Hartford Insurance Group, Inc., known as The Hartford, is a U.S.-based insurance company. The Hartford is a Fortune 500 company headquartered in its namesake city of Hartford, Connecticut. It was ranked 162nd in Fortune 500 in 2024. The Hartford is a leader in property and casualty insurance, employee benefits and mutual funds. It sells products primarily through a network of agents and brokers, and has also been the auto and home insurance writer for AARP members for more than 40 years.
Source: Wikipedia (CC BY-SA 4.0)
Chartered in 1810, the company writes property and casualty insurance with an unusually heavy weighting toward small and mid-sized commercial accounts, alongside group benefits and employee disability coverage. Underwriting discipline rather than premium growth is the stated priority, and the combined ratio is the number management is measured on. Workers compensation exposure ties results to wage inflation and medical cost trends. Investment income on reserves contributes materially when rates are higher. Headquarters are in Hartford, Connecticut.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by The Hartford.
If a meaningful share of your net worth sits in HIG, 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 HIG's option-implied volatility.
Example: 5,000 HIG shares at $138.96 is a $694,800 position. A 30% drawdown costs $208,440; a 50% drawdown costs $347,400; a 70% drawdown costs $486,360. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using HIG's option-implied volatility and your cost basis.
All The Hartford tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
The Hartford equity questions
- How much HIG 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 HIG position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does The Hartford grant ISOs, NSOs, or RSUs?
- Equity compensation at The Hartford 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 The Hartford equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.