The BIG question and debate of the moment ammong economists and analysts is whether the market is going to make a V shaped recovery or re-visit new lows and make a longer term recovery. We have curated some of the articles -see below - that we believe shed some thoughtful light on these topics.

We have witnessed unprecedented government and federal reserve intervention in the economy and as a result the markets have rallied with an optimism that would have absolutely not been present had this not been the case. The swift financial interventions provide a backstop and floor in the market. The question is: "Where is that floor". That depends on a lot of unknowns and we question whether the analysts and economists who believe the March market bottom is "in" and now behind us have fully accounted for all the unknowns.

Unknowns include:

The race is on to save patients lives and the global economy. The stakes are high, very high. As the world shelters in place, economies have cratered, businesses have had their plans turned upside down and millions are filing for unemployment. The human toll of fatalities from the coronavirus are being felt throughout the world.

The last time in history when almost everyone on the planet was talking about the same thing was when man first stepped on the moon. Science is in the race of their lives to find effective treatments and a vaccine for the coronavirus. Peoples lives are depending on it and the world economy is too! Collaboration ammong scientists all over the world is at an all-time high!

This is an excellent educational video explaining how your social security benefits are calculated and when the best time to retire is, for maximising your benefits.

https://www.cnbc.com/…/how-your-social-security-benefits-ch…

The Queston of "When"?

Most older adults will rely on their Social Security payments to make ends meet in retirement, but with growing numbers delaying retirement, when is the right time to start drawing benefits? The answer varies based on many factors, including your marital status and additional retirement savings. Before you cash your first check, consider these factors:

Living With Uncertainty - Practicing Patience

If you’re investing in the stock market or another money market, you need to be comfortable with uncertainty, but even more important, you have to be willing to wait. While some day traders maketheir money on small fluctuations within the market, the majority of individuals will spend months or even years holding the same stocks. This approach sets you up for the greatest gains and allows you to apply your long-term understanding of financial trends. In the long game, you’re in control.