---
title: "Serious Investing for Ages 100"
description: "Advanced investing guides for Ages 100 and Up. Investment policy statements, concentration management, tax optimization."
canonical: https://www.getswoopr.com/investing-by-age/serious/100-plus/
source: "Swoopr Investment: https://www.getswoopr.com"
---

## Direct Answer



Advanced investing guides for Ages 100 and Up. These pages cover investment policy statements, concentration management, tax location, and scenario testing for serious investors at this life stage.





    


# Serious Investing for Ages 100 and Up






- [Investment policy statement](https://www.getswoopr.com/investing-by-age/serious/100-plus/policy-statement/): At 100 and over the policy statement is nearly all administration. **Common mistake:** Selling appreciated holdings in a taxable account to simplify the portfolio without weighing that the step-up in basis at death could remove the embedded gain for heirs.
- [Research sleeve](https://www.getswoopr.com/investing-by-age/serious/100-plus/research-sleeve/): At 100 and over, the realistic question is not how large a research sleeve should be but whether one belongs in the plan at all. **Common mistake:** Holding illiquid or hard-to-value sleeve positions that an agent or executor cannot easily sell, price or divide, which delays settlement and leaves heirs with decisions the owner never explained.
- [Concentration management](https://www.getswoopr.com/investing-by-age/serious/100-plus/concentration/): For people at 100 and over, concentration is almost entirely a question of who will act. **Common mistake:** Leaving the executor to sort out one large concentrated position with no instructions, while beneficiary designations on the accounts are decades out of date.
- [Tax location](https://www.getswoopr.com/investing-by-age/serious/100-plus/tax-location/): At 100 and over, the annual RMD still applies to traditional accounts, and the 25% penalty does not soften with age, so someone with authority must make sure it is taken. **Common mistake:** Assuming a required distribution no longer applies because of the owner's age, or because the beneficiary will inherit anyway, and letting the annual withdrawal lapse.
- [Rebalancing](https://www.getswoopr.com/investing-by-age/serious/100-plus/rebalancing/): For anyone at 100 or over, rebalancing is largely a question of whether to trade at all. **Common mistake:** Selling appreciated taxable holdings to restore a target mix without comparing the tax bill with the small risk reduction, when the gain could disappear at death through the basis step-up.
- [Scenario testing](https://www.getswoopr.com/investing-by-age/serious/100-plus/scenario-testing/): At 100 and over, scenario testing is closer to contingency planning than projection. **Common mistake:** Treating a market stress test as sufficient while keeping account lists and instructions in one person's head, so a sudden event leaves agents unable to act.
- [Security research](https://www.getswoopr.com/investing-by-age/serious/100-plus/security-research/): At 100 and over, security research is mostly stewardship. **Common mistake:** Selling long-held, low-basis shares for the sake of simplicity without recognizing that heirs would generally receive a stepped-up basis, creating a tax cost that did not need to arise.
- [Exit rules](https://www.getswoopr.com/investing-by-age/serious/100-plus/exit-rules/): For ages 100 and over, an exit rule is a continuity document. **Common mistake:** Keeping a sell rule written decades ago, with a stale trigger or a named agent who has died, so no one with current authority can act on it.



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