Enter your stock position details to see how Embark generates income while preserving your upside—without triggering a taxable event.
Now let's compare how your position grows. With stock assumed to grow at 10% per year, here's how the three scenarios compare after 3 years. Embark shows total value (capital appreciation + income).
This is the biggest concern for most investors. Let's examine what happens in both scenarios: if your stock declines or if it continues to grow.
If your stock drops 20%, here's what happens in each scenario. This is the worst-case scenario and shows why Embark provides protection through diversification and income.
| Hold | Sell & Diversify | Embark | |
|---|---|---|---|
| Capital value after 3 years | –-20% | – | – |
| Total income received | $0 | $0 | – |
| Total position value | – | – | – |
If your stock continues to grow at 10% per year, here's how the three scenarios compare after 3 years. Embark provides both income and capital appreciation.
| Hold | Sell & Diversify | Embark | |
|---|---|---|---|
| Capital value after 3 years | –+33% | – | – |
| Total income received | $0 | $0 | – |
| Total position value | – | – | – |
Over 10 years with a 10% annual return, you'll have received significant income from Embark. At this baseline scenario, – in total income has been paid out—essentially recovering your entire initial investment through income alone.
| Hold | Sell & Diversify | Embark | |
|---|---|---|---|
| Initial value | – | – | – |
| Capital value (after 10 years) | – | – | – |
| Total income received | $0 | $0 | – |
| Total value (capital + income) | – | – | –Highest |
If we assume a higher return rate of 15% annually (more aggressive but achievable for growth stocks), you recover your initial investment even faster. After just 5 years, – in income has been distributed—meaning you've essentially gotten all your cash back while still holding your position.
| Hold | Sell & Diversify | Embark (15% scenario) | |
|---|---|---|---|
| Initial value | – | – | – |
| Capital value (after 5 years) | – | – | – |
| Total income received | $0 | $0 | – |
| Total value (capital + income) | – | – | –Highest |
Embark solves your two biggest concerns: getting paid now and protecting against downside risk—all without selling your stock.
| Key Benefit | Hold | Sell & Diversify | Embark |
|---|---|---|---|
| Immediate income |
No income
|
No income
|
10% annual income
|
| Downside protection |
Full risk
|
Diversified
|
Stock + Diversified Income
|
| Keep your stock position |
Yes
|
Must sell
|
Yes
|
| Tax efficiency |
No tax event
|
35% tax immediately
|
Tax-deferred
|
| 3-year income total | $0 | $0 | – |
| Time to recover investment | – | – | 5-10 years through income |
Embark is unique: You start getting paid immediately—without selling your stock. You get the best of both worlds: income now plus upside potential plus diversification benefits.
Most people want to hold their stock but worry about concentration risk. Embark lets you keep your position while addressing both concerns: you get income starting day one, and your portfolio benefits from the fund's diversified structure.