Should I count unvested RSUs?

This tool looks at what you actually own now — vested shares from RSUs, ESPP purchases and exercised options. Unvested RSUs are future compensation, not current assets, so most people exclude them here and consider them separately.

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How much of your wealth rides on one company’s stock?

Q: How much company stock is too much?

There is no single correct number — it depends on your goals, income and risk tolerance. Many financial advisers flag a single holding above roughly 10 to 20 percent of investable assets as concentrated, because your salary already depends on the same company. This tool is educational and does not give personalised investment advice.

RSUs, ESPP shares and exercised options from the same employer pile up fast — and your salary already depends on that company. If one stock is a big share of your investable wealth, a single bad quarter hits your portfolio and your paycheck. See your concentration in ten seconds, with a plain-English read.

Written & maintained by the PrivateTechShares team · Published October 2026 · Reviewed October 2026

Value of your employer stock ($) — vested RSUs, ESPP shares & exercised options you own

Your other investable assets ($) — other investments, funds & cash (not your home)

A concentration level you’d be comfortable with (%) — many use 10–20%

Share of your investable wealth in one stock

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Employer stock$—

Other investable assets$—

Total investable wealth$—

To reach your target, sell about$—

What this means. —

Education only — not investment advice. There is no universally “right” level of concentration; it depends on your goals, your income, your other safety nets and your own tolerance for risk. This tool simply shows the maths and a general frame so you can have a better conversation with a qualified financial adviser. Selling also has tax consequences — factor those in.

Why it matters more than it looks: with employer stock, your human capital and your financial capital point at the same company. That’s fine on the way up — and painful if the stock falls at the same time as layoffs. Diversifying isn’t pessimism; it’s taking some of the win off a single bet.

What to do next

Decide your own ceiling

Pick a share of wealth you’re comfortable having in one stock, and treat vesting RSUs and ESPP buys as a reason to rebalance back toward it.

Mind the tax on selling

Selling to diversify can trigger capital gains. The order you sell lots in, and how long you’ve held, both matter — worth a word with a tax adviser.

See the whole picture

RSUs, ESPP and options together — one plain-English place to understand what you hold.

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Questions people ask

How much company stock is too much?

There’s no single right answer. Many advisers treat a single position above roughly 10–20% of investable assets as concentrated, partly because your salary already rides on the same company. What’s right for you depends on your goals and risk tolerance — this tool is educational, not personalised advice.

Should I include unvested RSUs?

Usually no. This looks at what you actually own now — vested shares, ESPP purchases and exercised options. Unvested RSUs are future pay, not current assets, and are better considered separately.

Should I include my home?

Most people exclude their primary home here and focus on investable assets — investments, funds and cash — since that’s the pool you’d rebalance.

General information only — not financial, tax or legal advice. PrivateTechShares is an education and tools service: it is not a broker or marketplace, does not introduce buyers and sellers, does not hold funds, and does not execute or advise on transactions.