[USER]

I’ve been getting company stock as part of total compensation for the last 2 years an have accumilated $100k worth of stock.

But I havent been selling it upon vesting.

Question: I’m currently holding $100k in Google stock and considering whether to keep it for the next 2 years. With the market’s volatility and potential economic changes, I’m wondering if this investment is too risky.

Should I hold onto the stock or consider selling it now?

What factors should I consider before making a decision?

I’m looking for insights on the potential risks and rewards of holding onto Google stock in the current financial climate.

I’d appreciate any guidance y’all can provide.

[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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