Union Pacific (UNP) Stock Concentration Calculator
Calculator · free · no signup · UNPQuantify Union Pacific 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 Union Pacific
Union Pacific (UNP) is a public Logistics company, incorporated in Utah and headquartered in Omaha, NE.
Equity grants at Union Pacific typically include restricted stock units (RSUs).
The Union Pacific Railroad Company is a Class I freight-hauling railroad that operates 8,300 locomotives over 32,200 miles (51,800 km) routes in 23 U.S. states west of Chicago and New Orleans. Union Pacific is the second-largest railroad in the United States after BNSF.
Source: Wikipedia (CC BY-SA 4.0)
Chartered by Congress in 1862 to build the eastern half of the first transcontinental railroad, the company now operates the largest rail network in the western United States, roughly 32,000 route miles across 23 states. Freight mixes intermodal containers, coal, grain, chemicals, and automobiles. Precision scheduled railroading reshaped operations toward longer trains and fewer crews, improving margins while drawing regulatory and labor criticism over service reliability. Headquarters are in Omaha, Nebraska.
Sources: up.com · en.wikipedia.org
Equity comp at Union Pacific
- 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 Union Pacific.
If a meaningful share of your net worth sits in UNP, 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 UNP's option-implied volatility.
All Union Pacific tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Union Pacific equity questions
- How much UNP 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 UNP position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Union Pacific grant ISOs, NSOs, or RSUs?
- Equity compensation at Union Pacific typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Union Pacific RSUs use double-trigger vesting?
- No. Union Pacific 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 Union Pacific equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.