Vertex Pharmaceuticals (VRTX) Stock Concentration Calculator

Calculator · free · no signup · VRTX

Quantify Vertex Pharmaceuticals 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

Default. Adjust to test.
35%
Default. Adjust to test.
20%
10%

Tax

67%
Highly concentratedLong-term
If 30% drop
−$150,000
If 50% drop
−$250,000
If 70% drop
−$350,000

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).

Tax
Wealth (3y)$956,485
+$33,417 vs.

Tax
Wealth (3y)$994,174
+$71,106 vs.

Tax
Wealth (3y)$1.04M
+$112,490 vs.

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.

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Toggle below — chart updates live. Sell buttons show the slice.
Sell over 1 yearSell over 2 yearsSell over 3 yearsCustom
$712,500$815,995$919,489$1,022,984$1,126,478Yr 0Yr 1Yr 2Yr 3
Year 1
Year 2
Year 3
Tax$200,753
Hedge cost$37,676
Wealth at Y3$1,046,371
Vs. best fixed plan+$10,813

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.

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Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator

About Vertex Pharmaceuticals

Vertex Pharmaceuticals (VRTX) is a public Other company, incorporated in Massachusetts and headquartered in Boston, MA.

Equity grants at Vertex Pharmaceuticals typically include restricted stock units (RSUs).

Vertex Pharmaceuticals Incorporated is an American biopharmaceutical company based in Boston, Massachusetts. It was one of the first biotech firms to use an explicit strategy of rational drug design rather than combinatorial chemistry. It maintains headquarters in Boston, Massachusetts, and three research facilities, in San Diego, California, and Milton Park, Oxfordshire, England.

Source: Wikipedia (CC BY-SA 4.0)

Joshua Boger founded the company in 1989 to design drugs from protein structure rather than screening. Cystic fibrosis became the franchise: Kalydeco, Orkambi, Symdeko, and Trikafta together treat the large majority of patients with the disease, a rare-disease monopoly with durable pricing. Casgevy, developed with CRISPR Therapeutics and approved in 2023 for sickle cell disease and beta thalassemia, was among the first CRISPR gene-editing therapies authorized anywhere. Pain and kidney disease programs aim to diversify. Headquarters are in Boston.

Sources: vrtx.com · en.wikipedia.org

Equity comp at Vertex Pharmaceuticals

  • 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 Vertex Pharmaceuticals.

If a meaningful share of your net worth sits in VRTX, 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 VRTX's option-implied volatility.

All Vertex Pharmaceuticals tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →

Vertex Pharmaceuticals equity questions

How much VRTX 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 VRTX position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
Does Vertex Pharmaceuticals grant ISOs, NSOs, or RSUs?
Equity compensation at Vertex Pharmaceuticals typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
Do Vertex Pharmaceuticals RSUs use double-trigger vesting?
No. Vertex Pharmaceuticals 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.
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OptionsAhoy plans your Vertex Pharmaceuticals equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.

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