During this unprecedented time of the Corona virus pandemic, financial concerns have become paramount amongst people, second only to health & life.

In the financial markets, investors hate uncertainty. It is during the uncertain periods that pricing of assets becomes difficult, which negatively impacts the market prices of securities (investment products). History and the fundamental theory suggest that when things return to normal, the fear goes away, and markets bring the prices to the normal levels. How long that would take, however, involves Crystal Ball gazing

• Investors have been viewing their portfolios with anxiety as the stock market swings violently back and forth;
• they are uncertain about how much money to keep as liquid cash and whether their emergency funds will be adequate to see them through this period.
• Queries on health and life insurance as well as loans and debt are also rampant.
• Lastly, there are fears that jobs may be lost or pay cuts may ensue and these outcomes will set them back financially.