I recently had a conversation with a friend and client living in a retirement village. As the pandemic continues to wreak havoc, she is terrified of Covid-19 — not only for her own health but also not to inadvertently infect the people around her. As a result, she spends almost all her time confined to her small apartment.

She was struggling with retirement before lockdown started because she felt disconnected from society and that she lacked a purpose. The pandemic has exacerbated these feelings and given her too much free time to worry about the virus, the markets and other factors outside her control...

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