For Pharma & Biotech Executives
RSU Concentration Risk Analyzer
Your W-2 and your RSU stack are exposed to the same industry cycle. See your concentration number and what it would cost if your employer had a drawdown like its peers.
Your Position
Diversification Plan
Critical concentration
56.7%
of your liquid net worth sits in a single stock. Plus, your W-2 depends on the same sector performing well.
Downside Scenario
If PFE repeats its 5-year peak-to-trough drawdown of -58%:
RSU Value Loss
-$493,000
Simultaneously, sector-wide drawdowns often coincide with hiring freezes, bonus cuts, or layoffs — a double hit to both wealth streams.
Peer Group 5-Year Drawdowns
Diversification Glidepath
To bring concentration to a 20% target using vests alone:
10 quarters
Sell $56,250 at each vest. Reinvest into low-correlation assets — direct real estate and multifamily syndications are largely uncorrelated to pharma/biotech equity beta.
Get a diversification playbook
Tax-smart vest-sale sequencing + how to redeploy into uncorrelated assets.
Drawdown figures are illustrative peak-to-trough from public market data over rolling 5-year windows and are not predictions. Informational only — not investment advice. Consult a qualified advisor before selling RSUs or reallocating.