We see a LOT of talk about investment for retiring, but one thing we don't see on here is investment for estate and inheritance planning, which is something I am trying to help my elderly mother with. I am not looking for specific personal advice, just for general concepts, I have tried asking in other sub reddits, only to be swarmed with replies about how people should not leave money to their children, etc. Here is the situation, my 87 year old mother has ample government pension income to support her lifestyle, plus IRA, cash in money market account, and she owns a sizable amount of land that she inherited 20+ years ago, which will again step up when she passes away. She may soon be getting another $55,000 - $90,000 per year of dividend like income that can't be DRIP reinvested that needs to go somewhere. She wants to reinvest it to let it grow for potential children (well child now) and grand children's inheritance She is in good health, but is 87. The concern here is maximizing income to the family, allowing for basis step up, etc. in a hold until death ETF so as to avoid capital gains tax, etc. The other concern is the chance of dying during a market correction, which would result in a basis step down. This is the part that does not get talked about online, the best investment strategy that takes into account the actuarial side of things, the fact that she is in good health now, and that most older people go through some sort of decline before dying, etc. All of this differs from the common topic of market correction happening at time of retirement, since retirement date can be planned for, and death date has to be estimated using available data, which realistically is a 6 year average time horizon, and 90% chance in under 12 years.
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