This amount is already too much for me. I respect the choice you made but I'm quite confused with your choice of shift and XEL. I see that you are focused with smaller coins that can potentially grow when the bull triggers. You are good in diversification but have you ever invested elsewhere like real estate?
Not real estate but I have $500k in stocks too.
SHIFT and XEL are very promising projects. I don't buy shitcoins. Very careful about that.
What is your total amount of holdings, stocks, bonds, crypto and cash?
If you have half of all of your money in crypto, that's pretty risky. If you have a couple of million, then it makes more sense.
If it was me, I'd probably say put it into btc. That is if for some odd reason you absolutely had to invest it into crypto.
But honestly... I'd say put it into a bond or money market fund if 100K is like 10% of your total holdings. I'd also reallocate the 500K in stocks if/when stocks take another bull run and cash out profit there.