HOW TO GROW YOUR WEALTH BY INVESTING IN 2021 D I G I T A L A S S E T M O N E T A R Y N E T W O R K The year gave us natural calamities, environmental destruction, socio- political unrest, continued gender/race inequalities and a pandemic that has impacted nearly every aspect of our lives. The coronavirus pandemic heavily affected the economy. Catching everyone off guard, the recent health crisis changed the way customers behave, entrepreneurs do business and investors choose the businesses they invest in. But despite these past challenges, investors and founders are choosing to embrace 2021 with optimism, a recent Crowe Pulse Survey of business leaders revealed. Overall market sentiment, at least in the United States, has been fairly bullish; particularly as news of global vaccine rollouts provide hope and a sign of relief to the larger population. Sans the inevitable hiccups of a vaccine rollout, mutations, and new strains of the coronavirus, it is believed that a return to normalcy is at hand. 2020 was certainly one for the books. 0 1 What 2021 has in store 0 2 Investors aiming to find opportunities will need to pay attention to current trends during these early stages of economic recovery. In addition to the resilience, ingenuity and adaptability that got most of us through in the past year, knowledge and information will be key to generating wealth this year. In this guide, we present relevant industry trends we feel may shape the market in the year ahead. Embracing Volatility It’s going to be a bumpy ride. Markets are expected to remain unpredictable in the succeeding months, or longer according to industry insiders. And the sooner investors realize and prepare for such continued volatility in their investment portfolios, the better they can adapt. Experts are suggesting to keep calm and carry on investing as this has been proven to be the right strategy for many who endured the volatile market last year. The main challenge is avoiding knee-jerk reactions to news reports while also preparing for the unexpected. 0 3 | E M B R A C I N G V O L A T I L I T Y Back in late November, Bank of America equity strategists urged investors to avoid panic selling during expected volatility in the new year: "The best days usually follow the worst days for the market. Since the 1930s, if an investor sat out the 10 best return days per decade, his or her returns would be just 19% compared to the 16,485% returns since then." 0 4 | E M B R A C I N G V O L A T I L I T Y Navigating an unpredictable market thus calls for a diversified portfolio that not only matches one’s risk tolerance but also focuses more on long-term goals than the short term. This is why investors are urged to include more fixed-income investments in their portfolio this year. Investors who embrace volatility are often able to capitalize on the situation by buying more stocks, as prices fall, in their bid to rebalance their portfolio. 0 5 | E M B R A C I N G V O L A T I L I T Y 0 6 | F I N D I N G Y I E L D Finding Yield It’s going to be tough finding long-term returns. Like market volatility, last year’s low yield environment is expected to follow investors in 2021 and possibly even years to come. Inflation was up only 1.5% in November compared to the year before. 0 7 | F I N D I N G Y I E L D For starters, the United States Federal Reserve has already indicated it won’t raise short-term rates from their current 0-0.25% range before 2023, pledging to maintain that range until the economy has achieved maximum employment with inflation averaging 2% and inflation expectations “well anchored at 2%.” While middling returns are to be expected, experts say there are still opportunities out there, investors just have to know where to look. Being selective about individual issues helps. Investors must be absolutely sure about what they are buying and should be very critical of the amount of cash they hold while looking for other alternatives to generate yield. 0 8 | F I N D I N G Y I E L D 0 9 | I N D U S T R I E S T O W A T C H Industries to Watch 2020 is giving us hints. Industries that are deemed to perform better than others in the next few years have already picked up in the last several months. Companies in digital transformation, healthcare innovation and sustainability industries reportedly have the potential to increase in value and drive markets for the years to come, according to J.P. Morgan’s Outlook for 2021 3 JP Morgan’s research team posits that not only have these markets recently proven successful, but also given the impact of the pandemic, as well as the change in the Administration, they appear to have more room for growth. As a good sign for businesses in the sustainable markets, the Biden administration is already poised to pursue policies that support the development of clean technologies and infrastructure. Meanwhile, the pandemic is not only forcing everyone to operate in the digital economy, it is also sparking innovation in the diagnosis and treatment of diseases. 1 0 | I N D U S T R I E S T O W A T C H 1 1 | E M E R G I N G M A R K E T S Emerging Markets Where is the grass greener? If the proverbial healing of our economy continues to happen relatively slower than others, investors should consider shifting some focus into emerging markets outside the U.S. Observers say the U.S. dollar will continue to weaken in 2021 during our transition to normalcy. This is why in diversifying portfolios, investors are encouraged to expose themselves to assets denominated in other currencies. Asia, in particular, is seen to do well this year after staying resilient amid the pandemic. 4 “Asian currencies backed by stronger fundamentals have been more resilient,” according to BlackRock’s 2021 Outlook. “A stable to weaker U.S. dollar – the result of declining real yields and renewed global risk appetite, should underpin emerging markets in 2021.” 1 2 | E M E R G I N G M A R K E T S BlackRock chief investment officer of global fixed income Rick Rieder further writes: It’s worth noting that even before the pandemic broke out, many of the world’s fastest- growing economies prior were already located in Asia. It is reasonable to expect that many of those same economies will also be among the fastest to recover in 2021. 1 3 | E M E R G I N G M A R K E T S “Emerging markets, especially Asia, have proven surprisingly resilient during the COVID crisis and could do especially well in a world of ample U.S. dollar liquidity, rebounding global growth, a weaker U.S. dollar and compressing yield/risk premiums.” 1 4 | E Q U I T Y C R O W D F U N D I N G Equity Crowdfunding When many of the more traditional capital options failed companies at the height of the pandemic, the power of crowd-funded approaches rushed to fill the void and helped many businesses get through it. 2020 could certainly be considered a pivotal year in defining the value of equity crowdfunding. Many startups and development stage companies have turned to equity crowdfunding as a fast and viable funding option for capital, as well as for a means of customer acquisition and marketing. 5 The SEC has recently made raising capital from the crowd even more enticing by introducing amendments that will simplify the securities offering exemptions. These amendments, which will take effect in March of 2021, are set to increase the offering limits for companies raising capital and will ultimately improve investor opportunities. VCs and institutional investors are anticipated to tighten their investments, causing more companies to flock to equity crowdfunding for Experts believe 2021 can be even bigger for equity crowdfunding, which could greatly contribute to our sense of community, further expediting us onto the road to normalcy. 1 5 | E Q U I T Y C R O W D F U N D I N G capital. During a time where everyday people are coming into their collective power, this shift is especially good for retail investors, since the chances of finding the next ‘unicorn’ on a FINRA regulated crowdfunding platform and having an opportunity to invest even before the elites do, continues to increase. Observers are hinting that the full power of equity crowdfunding, in which the 99% become the main investors in high-growth companies, may finally be realized this year. Establishing and building wealth is NOT reserved for the elite, it is an opportunity for everyone! Equity crowdfunding happens to be one of the few ways that first time, non-accredited, and smaller investors have a real opportunity to create wealth. Equity crowdfunding offers the average investor an ability to invest affordably into high-growth startups and development stage businesses. Pandemic-related restrictions have given everyday people more time to learn investment principals, research the companies they want to invest in and discuss their strategies in online social forums. Experts are pointing to smaller companies as they usually lead in growth coming out of recessions such as what we had last year. As Morgan Stanley’s Investor Outlook points out, additional fiscal stimulus measures are expected to be more supportive for smaller firms. Since small-cap companies are more sensitive to the economy, they are set to benefit first after a strong economic recovery. Where to Start? Go Big or Small? 1 6 As we highlighted in this guide, the few industries that defied a struggling economy in 2020 are still poised to get stronger this year. Which means we’d recommend starting with companies that offer services and products focused on sustainability, transformative online technologies, as well as disease testing and diagnostics. Beyond studying the trends we discussed, we advise new investors to prepare for the risks that come with putting your money in other people’s businesses. This involves continuous learning of the industries you want to partake in, getting up to date information, and practicing due diligence with every investment. Which Industries? Beware of Risks 1 7 Despite the perceived uncertainty of 2021, starting the new year provides new opportunities for the investment community to look back, retrace steps and prepare anew for the months ahead. Andrew Sheets, Chief Cross-Asset Strategist for Morgan Stanley Research, would like us to trust in the recovery: “Though challenges remain, we think this global recovery is sustainable, synchronous and supported by policy, following much of the 'normal' post-recession playbook.” Finding Opportunity In Uncertainty 1 8 While we share such optimism as fellow investors, we’d also like to point out that having a positive outlook is best paired with sound judgement and a solid investment strategy. Always consider your personal and family goals when investing your money as you build your portfolio. Hopefully, all these align well in the way we overcome the upcoming challenges and reap the fruits of our hard work in 2021. This information does not constitute an offer to sell or a solicitation of an offer to buy securities of Digital Asset Monetary Network, Inc. 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