How to Grow Your Wealth by Investing 2021 -

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DIGITAL ASSET MONETARY NETWORK HOW TO GROW YOUR WEALTH BY INVESTING IN 2021 2020 was certainly one for the books. But despite these past challenges, investors and founders are choosing to embrace 2021 with optimism, a The year gave us natural calamities, recent Crowe Pulse Survey of environmental destruction, socio- business leaders revealed. political unrest, continued gender/race inequalities and a Overall market sentiment, at least in pandemic that has impacted nearly the United States, has been fairly every aspect of our lives. bullish; particularly as news of global vaccine rollouts provide hope and a The coronavirus pandemic heavily sign of relief to the larger population. affected the economy. Catching everyone off guard, the recent health Sans the inevitable hiccups of a crisis changed the way customers vaccine rollout, mutations, and new behave, entrepreneurs do business strains of the coronavirus, it is and investors choose the businesses believed that a return to normalcy is they invest in. at hand. 01 What 2021 has in store 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. 02 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. 03 | EMBRACING VOLATILITY 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." 04 | EMBRACING VOLATILITY 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. 05 | EMBRACING VOLATILITY 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. 06 | FINDING YIELD For starters, the United States Federal Reserve has already indicated it won’t raise short-term rates from Inflation was up their current 0-0.25% range before 2023, pledging to only 1.5% in maintain that range until the economy has achieved November maximum employment with inflation averaging 2% and inflation expectations “well anchored at 2%.” compared to the year before. 07 | FINDING YIELD 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. 08 | FINDING YIELD Industries to Watch 3 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 09 | INDUSTRIES TO WATCH 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. 10 | INDUSTRIES TO WATCH Emerging Markets 4 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. 11 | EMERGING MARKETS “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.” 12 | EMERGING MARKETS BlackRock chief investment officer of global fixed income Rick Rieder further writes: “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.” 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. 13 | EMERGING MARKETS Equity Crowdfunding 5 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. 14 | EQUITY CROWDFUNDING 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. The SEC has recently made raising capital. During a time where everyday capital from the crowd even more people are coming into their collective enticing by introducing amendments power, this shift is especially good for that will simplify the securities offering retail investors, since the chances of exemptions. These amendments, finding the next ‘unicorn’ on a FINRA which will take effect in March of 2021, regulated crowdfunding platform and are set to increase the offering limits having an opportunity to invest even for companies raising capital and will before the elites do, continues to ultimately improve investor increase. opportunities. Observers are hinting that the full VCs and institutional investors are power of equity crowdfunding, in which anticipated to tighten their the 99% become the main investors in investments, causing more companies high-growth companies, may finally be to flock to equity crowdfunding for realized this year. 15 | EQUITY CROWDFUNDING Where to Start? Go Big or Small? Establishing and building wealth is NOT reserved for the Experts are pointing to smaller companies as they elite, it is an opportunity for everyone! Equity usually lead in growth coming out of recessions such as crowdfunding happens to be one of the few ways that what we had last year. first time, non-accredited, and smaller investors have a real opportunity to create wealth. Equity crowdfunding As Morgan Stanley’s Investor Outlook points out, offers the average investor an ability to invest affordably additional fiscal stimulus measures are expected to be into high-growth startups and development stage more supportive for smaller firms. Since small-cap businesses. companies are more sensitive to the economy, they are set to benefit first after a strong economic recovery. 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. 16 Which Industries? Beware of Risks As we highlighted in this guide, the few industries that Beyond studying the trends we discussed, we advise defied a struggling economy in 2020 are still poised to new investors to prepare for the risks that come with get stronger this year. putting your money in other people’s businesses. This involves continuous learning of the industries you want Which means we’d recommend starting with companies to partake in, getting up to date information, and that offer services and products focused on practicing due diligence with every investment. sustainability, transformative online technologies, as well as disease testing and diagnostics. 17 Despite the perceived uncertainty of 2021, starting the new year provides new opportunities for the investment community to look Finding Opportunity back, retrace steps and prepare anew for the months ahead. Andrew Sheets, Chief Cross-Asset Strategist for Morgan Stanley In Uncertainty 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.” While we share such optimism Always consider your personal as fellow investors, we’d also and family goals when like to point out that having a investing your money as you positive outlook is best paired build your portfolio. Hopefully, with sound judgement and a all these align well in the way solid investment strategy. we overcome the upcoming challenges and reap the fruits of our hard work in 2021. 18 Disclosure & Disclaimer This information does not constitute an offer to sell or a solicitation of an offer to buy securities of Digital Asset Monetary Network, Inc. (the “Company”) or the securities of any US or foreign publicly traded company or any of the Company’s present, prospective or future clients, public or private. The Company, nor any of its affiliates, subsidiary companies or representatives, are licensed or registered investment advisors nor does the Company or its affiliates, Subisary companies or representatives act in any such capacity. The information presented herein does not constitute financial or investment advice and you should not construe any statements included herein as financial or investment advice. All information presented herein and estimates and projections involve significant elements of subjective judgment and analysis which may or may not be correct. While the information provided herein is believed to be accurate and reliable, the Company makes no representations or warranties, expressed or implied, as to the accuracy or completeness of such information. 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