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I was handling the lockdown just fine. Then I got the first-quarter statements for my retirement annuity. Now, suddenly, it’s personal.

You can intellectualise cycles and look back at 100 years of graphs and plot how previous crises merely appear as blips on a line on a screen, but the moment a historical event costs you money and you consider the long-term consequences of that value destruction, it hits home. Just as it did to investors in 1929, 1987, 1999, 2008 and countless others...

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