To all who think now is the worst time to invest. Crisis and opportunity always coexist. Looking back at all market crises over the past 20 years:

2008: "We are heading toward a Great Depression."
· Truth: If you kept buying, the S&P 500 returned over 400% in the next 13 years.
2011: "The U.S. credit rating was downgraded for the first time in history."
· Truth: Within two years, the market rose over 30%.
2015: "China's economy is collapsing and will drag everything down."
· Truth: The S&P 500 hit a new all-time high within a few months.
2016: "Brexit will destroy global markets."
· Truth: A few months later, markets hit new all-time highs.
2020: "COVID-19 will end the economic model as we know it."
· Truth: Yet the market experienced the fastest recovery in history. If you sold in March 2020, you locked in losses. If you kept buying, 2021 became one of the best-performing years ever.
2022: "Inflation is out of control, and the Fed will kill economic growth."
· Truth: Yet 2023 and 2024 turned out to be two of the strongest years in decades.