2020 is now behind us and most of us breathed a collective sigh of relief. Thankfully our worst fears about the health impact of COVID-19 on our country have not come to pass and to date the economic impact on most households has been muted. From an investment perspective, 2020 was a very strong year with growth focused investment strategies posting double-digit after-tax returns. This was a far cry from many predictions that were made at the start of the global pandemic. However, this does beg the question, could 2021 be the ‘hangover’ year; the year in which the economic stresses that were anticipated in 2020 finally have an impact? In last month’s column I commented on the many doom merchants whose ‘expert’ predictions in such areas as housing were proved to be completely wrong; so I am certainly not going to be advocating becoming overly pessimistic at this point. However, it is worth asking the question, are there specific actions that I should be taking with my investment