United Airlines (UAL) Stock Concentration Calculator
Calculator · free · no signup · UALQuantify United Airlines 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 United Airlines
United Airlines (UAL) is a public Airline and Travel company, incorporated in Delaware and headquartered in Chicago, IL.
Equity grants at United Airlines typically include restricted stock units (RSUs).
United Airlines, Inc. is a major airline in the United States headquartered in Chicago, Illinois. It operates an extensive domestic and international route network across the United States and to destinations on six continents. Regional service is provided by independent carriers operating under the United Express brand, and the Star Alliance, of which United was one of the five founding airlines, extends its network throughout the world.
Source: Wikipedia (CC BY-SA 4.0)
The company traces to 1926 airmail routes and Boeing's early airline holdings, separated by 1934 antitrust legislation. It merged with Continental in 2010, adopting United's name and Continental's management. Its network leans international, with hubs at Newark, Chicago, Houston, Denver, and San Francisco positioned for long-haul connecting traffic, which makes results more sensitive to transatlantic and transpacific demand than domestic-focused rivals. A 2017 passenger removal incident became a case study in crisis response. Headquarters are in Chicago.
Sources: united.com · en.wikipedia.org
Equity comp at United Airlines
- 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 United Airlines.
If a meaningful share of your net worth sits in UAL, 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 UAL's option-implied volatility.
All United Airlines tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
United Airlines equity questions
- How much UAL 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 UAL position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does United Airlines grant ISOs, NSOs, or RSUs?
- Equity compensation at United Airlines typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do United Airlines RSUs use double-trigger vesting?
- No. United Airlines 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 United Airlines equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.