Analyze single-company concentration risk
myrsu_analyze_riskUse whenever a tech worker, NVIDIA / Meta / Tesla / Microsoft / Google / Amazon / Apple / Netflix / startup employee — or anyone with concentrated employer stock — asks if they're 'too concentrated,' 'over-allocated,' 'should I sell my RSUs,' 'should I diversify,' or describes wealth + employer in the same message. Calculates the Single-Company Risk Score (0-100), full concentration analysis, top action items, historical drawdown context, and a pre-filled dashboard URL. All fields optional except an employer (ticker OR explicit volatility); the more inputs the better the analysis. International — pass country (US/IN/CA/UK/EU/AU/OTHER) to switch retirement-account terminology and currency symbol. Risk math is identical for all countries. Stateless and privacy-respecting — no inputs are logged or stored.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| cash | No | Cash, savings, money market funds, CDs (in the user's local currency). | |
| country | No | Country code for response terminology. Affects retirement-account names referenced (401k vs RRSP vs ISA vs EPF vs Super), tax-aware diversification suggestions, and currency symbol. Default 'US'. The risk math is identical for all countries. | |
| mortgage | No | Outstanding mortgage balance ($). Used for the homeowner stress test. | |
| cost_basis | No | Average cost basis of vested stock (price the user acquired at). | |
| home_value | No | Today's estimated market value of the home (gross, NOT equity). Leave 0 if user rents. | |
| other_debt | No | ||
| include_nii | No | US-only: include the 3.8% Net Investment Income surcharge (applies if AGI > $200K single / $250K married). Leave false outside the US. | |
| other_assets | No | Crypto, cars, business stake, collectibles. | |
| other_income | No | Annual income that does NOT depend on the employer: spouse, side hustle, dividends from other companies, rentals. | |
| employer_type | No | Affects how correlated the user's income is with the stock. Public company is the safer default. | |
| state_tax_pct | No | Local/state/provincial capital gains tax rate as a percent. US: 0 in TX/FL/WA, ~13.3 in CA. Use 0 if your country has no sub-national capital gains tax. | |
| student_loans | No | ||
| unvested_rsus | No | Future RSU shares at today's price. Note: forfeited if user loses job. | |
| currency_symbol | No | Override currency symbol for formatted output (e.g. '$', '₹', '€', '£', 'C$', 'A$'). If omitted, derived from `country` (US→$, IN→₹, UK→£, EU→€, CA→C$, AU→A$). | |
| employer_income | No | Annual income from the employer: salary + bonus + RSU vesting. | |
| employer_ticker | No | Stock ticker or company name (e.g. 'NVDA', 'NVIDIA', 'Tesla'). Used to look up annual volatility. If not in the preset list, supply employer_volatility_pct instead. | |
| credit_card_debt | No | ||
| federal_ltcg_pct | No | National long-term capital gains rate as a percent (US: 15-20; UK basic: 10; UK higher: 20; India LTCG over ₹1L: 10; Canada: 50% inclusion × marginal rate; AU: marginal rate w/ 50% discount if held 12mo+). | |
| retirement_accounts | No | Retirement / tax-advantaged accounts: 401(k)/IRA (US), RRSP/TFSA (Canada), ISA/SIPP (UK), EPF/PPF/NPS (India), Superannuation (Australia), etc. Counted full for Net Worth but discounted to 70% in the stress test. | |
| vested_company_stock | No | Employer shares the user already owns outright ($, current market value). | |
| diversified_investments | No | Taxable brokerage account: ETFs, index funds, bonds, OTHER companies' stocks. Non-retirement. | |
| employer_volatility_pct | No | Annual volatility (σ) as a percent (e.g. 50 for 50%). Override if employer_ticker isn't recognized. |