Frontwave Briefing | Third Quarter 2021


Third Quarter 2021

This year, markets have experienced an odd phenomenon. Provided by Kathy L Chesney, CLU ChFC and Leslie Myers CWS, CRC Investor Sentiment Is Shifting

A recent survey shows that 63% of investors are anything else. 1 There are many reasons for this change, but here are a few of the most impactful to keep in mind . Pandemic worries. One reason for this shift is directly related to life prior to COVID-19. Nearly two-thirds of those surveyed believe protecting their financial assets and preparing for uncertainty are more important to them now than before the pandemic. Additionally, roughly 45% of those surveyed believe the shift in priorities will last beyond the pandemic. 2 Market Rally. This year, markets have experienced an odd phenomenon, to say the least. Historically, if one sector lags, other sectors often come along that can buoy a portfolio. But recently, the broader market has been trending higher, which appears to benefit a variety of investing styles. This may create further uncertainty moving forward, causing investors to be more cautious than usual. 3 more interested in protecting their financial assets and planning for uncertainty in the future than

Kathy and Leslie may be reached at 760-439-6960 or and As always, if you have any questions about recent market behavior or just want to chat about your portfolio we’re here for you . What will the Fed do? As the economy continues to improve, some believe it’s only a matter of time before the Fed changes its monetary stance. Investors of course want strong growth but at the same time, they don’t want the Fed to raise interest rates if inflation increases for a sustained period of time. As always, it’s impossible to predict exactly what will happen, but many believe it will be difficult for the Fed to maintain its current strategy. 4 Stay the course. Your portfolio was built to reflect your goals, time horizon, and risk tolerance. Periods of market uncertainty are expected from time to time, but that uncertainty should not drive a “knee-jerk” reaction with your investments.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. Citations: 1., April 22, 2021; 2., April 22, 2021; 3., April 19, 2021; 4., April 19, 2021. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. 05042021-LA-36999

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