[Tristan]

“Risky” is relative. Is google going anywhere? Prolly not. Is it ever a good idea to end up overconcentrated in a single stock?

Prolly not. Is it in your best tax interest to sell immediately on vesting?

Prolly not.

We have clients come in with millions to unwind in concentrated stock and there are some strategies to diversify in a tax efficient way.

Some companies allow while working there outside of blackout dates, others you have to separate from employment first, but it’s possible to get out without just cashing it all out and taxing the tax hit

[Andrew]

Hmm the guys at Nokia probably felt the same – probably would sell some to diversify the portfolio retaining a larger share in Google as you have and advantage here – the rest I would suggest low cost ETF’s – wealth creation is a risk managed affair

[John]

Depends on what the vesting period is and how that aligns with short and long term capital gains tax rules.

Concentrated portfolio is a risk no matter what industry or company.

[Daniel]

Accumulating $100k in Google stock poses concentration risk, Gradual selling over time can help avoid market timing and minimize tax impacts.

Long-term capital gains taxes are lower if you hold stock for more than a year before selling.

[Author]

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