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Pay attention, ask the tough questions and plan for the future

Published 14-AUG-2020 12:40 P.M.


3 minute read

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This year the world has been thrust into turmoil with growing fears around the full effects of the COVID-19 pandemic.

Concerns are not just about our health, although understandably this is our immediate focus, but also the growing concerns among ordinary Australians around the global economic climate and how we can secure our future, not just personally but as a nation.

Right now, our security and safety are being challenged and these basic physiological needs have to be met in order for everyone to move forward.

There is an old saying that every cloud has a silver lining, but is the current situation right now really a silver lining?

In my opinion, nothing gets people more motivated to change than fear and uncertainty, and you must admit, COVID-19 has certainly created a lot of that. Australians are experiencing a fear of the unknown because of the unpredictable nature of the current global situation. While we can all guess, no one knows exactly where we will be in 12 months’ time and what our personal lives will look like.

In the current situation, more Australians are starting to pay attention, but, more importantly, they have become motivated to ask some tough questions. I am not just talking about health-related questions but questions about where their money is invested, what they should be investing in and how safe is that investment. Over the past few months, I have been inundated with Australians asking those exact questions in addition to wanting to know how they can profit more from the stock market, so they can secure an income stream if the climate does not improve.

So what questions are you asking and what answers are you getting in relation to your investments, so that you can secure your future? Because, right now, it’s important to understand your level of exposure to Australian equities, particularly if the stock market crashes again, as some experts are predicting.

It is far better to take positive action and be armed with a plan before something occurs rather than acting on fear, as this reduces much of the uncertainty we have been experiencing in 2020.

The one thing that is certain is that the dark clouds will continue to roll in from time to time, but the opportunity for you is in how you handle them.

Making a choice to pay attention and become educated, and informed with a solid plan is not only wise, it will also ensure you will be confident about what to do when this occurs. In other words, it is far better to be educated and informed before the clouds appear rather than after.

Dale Gillham is Chief Analyst at Wealth Within and international bestselling author of How to Beat the Managed Funds by 20%. He is also the author of Accelerate Your Wealth—It’s Your Money, Your Choice, which is available in bookstores and online at

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