Sempra (SRE) RSU sell-vs-hold
Calculator · free · no signup · SRESell at vest or hold? Compare after-tax payout from selling Sempra RSUs at vest vs. holding through the LTCG cliff at 12 months.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your vest
Tax inputs
Hold strategy
Best after-tax payout — at year 1 yr
$47,709
Sell + invest wins by $4,981 over Hold 1 yr.
Estimates only. Not financial advice.
Heads-up: under-withholding. Your employer withholds federal tax at the IRS supplemental rate (22.0% on this vest, ≈ $17,600). Your marginal federal rate on this vest is 32.7%, owing $26,171. Expect to settle the $8,571 gap at tax time.
The hidden purchase
Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,509 in after-tax cash and buying $44,509 of SRE today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in SRE. Holding past one year converts the gain to LTCG.
Sell + invest
Best payout| Vest value (shares × price) | $80,000 |
| Federal | |
| State | |
| Medicare | −$1,160 |
| Additional Medicare | −$720 |
| Market gain over 1 yr at 10.0% | $4,451 |
| Cap-gain tax on diversified gain — LTCG (federal + state + NIIT) | −$1,251 |
| Net at year 1 yr | $47,709 |
Sell every share at vest; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.
Hold 1 yr
| Vest value (shares × price) | $80,000 |
| Vest tax (federal + state + FICA) | |
| Net at year 1 yr | $42,728 |
Sold 444 shares to cover vest tax (net-settled); kept 556 shares 1 yr to qualify for long-term capital gains.
Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're still employed at vest.
Both columns are stated in year-1 yr dollars. The sell side compounds at the market return; the hold side compounds at your single-stock expected return after a 20% volatility drag.
Estimates only. Assumes net-settled (sell-to-cover) vesting; double-trigger and pre-IPO RSUs are out of scope. Excludes multi-state moves, AMT interactions on other equity, and 83(b) elections. Not financial advice.
You evaluated one RSU vest. The beta plans every vest of every grant across years, with concentration and AMT in the loop.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator
About Sempra
Sempra (SRE) is a public Utility company, incorporated in California and headquartered in San Diego, CA.
Last close: $87.18 per share (as of 2026-08-19).
Equity grants at Sempra typically include restricted stock units (RSUs).
Sempra is a North American public utility holding company based in San Diego, California. The company is one of the largest utility holding companies in the United States, with nearly 40 million consumers. Sempra's focus is on electric and natural gas infrastructure. Its operating companies include Southern California Gas Company (SoCalGas) and San Diego Gas & Electric (SDGE) in Southern California; Oncor Electric Equipment Delivery Company in Texas; and Sempra Infrastructure, with offices in California and Texas.
Source: Wikipedia (CC BY-SA 4.0)
The 1998 merger of Pacific Enterprises and Enova created the company, which owns San Diego Gas and Electric, SoCalGas, and a large regulated utility in Texas. Regulated utilities earn an authorized return on capital invested, so rate-base growth rather than sales volume drives earnings. Infrastructure for liquefied natural gas export adds a business with different, contract-driven economics. California wildfire liability is the risk that distinguishes the utility from peers elsewhere. Headquarters are in San Diego.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Sempra.
Sempra (SRE) RSUs vest as ordinary income at the price on vest day. The decision is whether to sell at vest and reinvest, or hold the shares through the 12-month LTCG cliff. This calculator runs both paths through the same after-tax math so you can compare like-for-like.
Example: 500 Sempra (SRE) RSUs vesting at $87.18 per share is $43,590 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$13,949), the post-tax share value is ~$29,641. Holding 12 months for long-term capital-gains treatment then only matters for the price change between vest and sale; the ordinary income at vest is already locked in. The calculator runs both paths through the same after-tax math.
All Sempra tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Sempra equity questions
- Should I sell or hold my Sempra RSUs at vest?
- Sempra restricted stock units (RSUs) are taxed as ordinary income on their value at vest whether or not you sell. The only open decision is what to do with the shares afterward: sell at vest and reinvest, or hold past twelve months for long-term capital-gains treatment on any further gain. The calculator above runs both paths through the same after-tax math so you can compare them directly.
- Does Sempra grant ISOs, NSOs, or RSUs?
- Equity compensation at Sempra typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
One piece of the puzzle.
OptionsAhoy plans your Sempra equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.