I talked with the advisor who handles my traditional IRA. A few years ago we were talking about how crazy things seemed to be due to the pandemic, cops killing blacks and the former president's antics. So he set me up with a hedge fund, which somehow essentially provides 10% gain during a bear market. But during a bull market, you might get only 1% growth, for example. Well it came in handy last year; it limited the IRA's losses.

We think it will come in handy again this year. Some investors have been relying on REITs for growth and income. But the pandemic's Work From Home strategy left vacant office spaces, and some companies are not renewing leases. Plus we have the three recent bank failures. I think we're in for tough times.