Enter your stock position details to see how Embark generates income while preserving your upside—without triggering a taxable event.
"Embark let me earn income from it without triggering a massive tax bill. It changed my financial plan entirely."
"It allows me to earn income without compromising potential upside. Best part: No Tax Event!"
"They put the stocks I already own to work and explain every step along the way."
Embark does not pay for testimonials. Testimonials are from actual investors and may not be representative of the experiences of others. No guarantee of future performance.
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.