For the last five years, this is the investment newsletter that I have been dreading to write. But one needs to face facts and reality. The Coronavirus has fast forwarded SA to a point of bankruptcy and has confirmed the Government’s inability to manage the country effectively. More than ever, it is necessary to reassess how your investments are positioned in the current environment of low SA interest rates and declining global economic growth. Please read our 3rd quarter 2020 Market outlook.