Willis Towers Watson (WTW) Stock Concentration Calculator
Calculator · free · no signup · WTWQuantify Willis Towers Watson 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 Willis Towers Watson
Willis Towers Watson (WTW) is a public Fintech company, incorporated in Ireland and headquartered in London England, United Kingdom.
Last close: $327.9 per share (as of 2026-08-18).
Equity grants at Willis Towers Watson typically include restricted stock units (RSUs).
Willis Towers Watson plc is a British-American multinational advisory, broking and solutions company. Its operations span commercial insurance brokerage and risk advisory, employee benefits and rewards consulting, retirement and actuarial services, and investment advice for pension funds and institutional investors.
Source: Wikipedia (CC BY-SA 4.0)
The 2016 merger of Willis Group and Towers Watson joined insurance broking with human-capital and actuarial consulting, and a later attempt to merge with Aon was abandoned under antitrust objection in 2021. Broking places commercial risk for fees; the consulting half advises on pensions, benefits design, and insurance-company actuarial work. Health and benefits consulting has grown with employer medical cost pressure. The company is incorporated in Ireland after the merger. Headquarters are in London.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Willis Towers Watson.
If a meaningful share of your net worth sits in WTW, 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 WTW's option-implied volatility.
Example: 5,000 WTW shares at $327.9 is a $1,639,500 position. A 30% drawdown costs $491,850; a 50% drawdown costs $819,750; a 70% drawdown costs $1,147,650. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using WTW's option-implied volatility and your cost basis.
All Willis Towers Watson tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Willis Towers Watson equity questions
- How much WTW 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 WTW position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Willis Towers Watson grant ISOs, NSOs, or RSUs?
- Equity compensation at Willis Towers Watson 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 Willis Towers Watson equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.