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Why a large stock position is risky—and what to do about it

Key Takeaways

  • A single equity position representing 5% or more of your portfolio can be considered a concentrated position—and has inherent risks.
  • The most straightforward strategy to managing such a situation is to sell off some of the position, usually over several years to spread out tax liability.
  • Gifting appreciated securities to charity also has potential benefits, as they are typically fully deductible, up to 30% of your adjusted gross income.
  • Some investors might consider hedging strategies to manage risk and protect against volatility, or exchange funds, which can help you diversify your position without immediately realizing capital gains.

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Investing involves risk, including risk of loss.

This information is intended to be educational and is not tailored to the investment needs of any specific investor.

Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.

Views expressed are as of the date indicated, based on the information available at that time, and may change based on market or other conditions. Unless otherwise noted, the opinions provided are those of the speaker or author and not necessarily those of Fidelity Investments or its affiliates. Fidelity does not assume any duty to update any of the information.

Diversification and asset allocation do not ensure a profit or guarantee against loss.

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