Hi

Over the past few years, we’ve watched the markets continue to defy gravity.

Seriously.

The major indices (DOW, SP, NASDAQ etc.) have hit all-time high after all-time high, and despite all odds, the economy has managed to hold together AND GROW longer than many expected — including myself.

If you’ve followed me for a while, you may remember that I began calling for a recession two years ago. I was certain it would happen. Especially after three banks in the USA failed and went bust in one year...

But, while it didn’t materialize at that time, I still stand by the reasoning behind that call — because what we’ve seen since then is a potential bubble of growth that, by all measures, cannot be sustained indefinitely.

I believe we’re approaching an inflection point. We have to be.

There are growing signs beneath the surface — in consumer debt, corporate earnings, and global economic data — that a major shift could be coming. Whether it’s a slowdown, a correction, or something more significant, the next phase will likely look very different from the steady climb we’ve seen recently.

That’s why I’ll soon be recommending changes to how we’re positioned in our investments — specifically, moving toward a more conservative set of investment style or fund choices to help protect capital and preserve the gains we’ve built. (If you are a direct client, yes I am talking about changing your investment choices very soon.)

In times like these, precious metals such as gold and silver often play a stabilizing role. Gold prices have quietly strengthened as central banks continue buying, and historically, these assets have served as a hedge during periods of economic uncertainty or market pullbacks. Gold and Silver have both been touching ATH levels. It's been a wild ride for them.

This is not a call to panic — it’s a call to prepare.

Of course, everyone's timelines and requirements, risk tolerance is different. You may want to ride it out, no matter what happens, and that's fine too. (Because you remember when we spoke about the Andex chart and the 15 year timeframe, where there is no loss in history in over any span of 15 years. YT Video attached in case you need a refresher.)

I love locking in gains. And if you/we have gained in the past few years, despite my thinking it would be the opposite, then it could be the right time to lock in those gains and move our money over to more conservative fund choices in the next few months.

I am telling you directly what I believe may be the prudent next move.

👉 In the meantime, if you’d like to review your portfolio or discuss how to position for what’s ahead, you can book a call with me here. Everyone's situation is different so book a call to chat with me at this link.

Now is the time to stay alert, stay disciplined, and stay prepared.

To your financial indestructibility,

Michael Santonato

PS: I have no crystal ball and I know not where things will go exactly. No one does. And, the US FED Chair Powell, just hinted that they may be printing boat loads of money again soon. (QE or Quantitative Easing they call it.) And that may make things go up and get inflated even more.... Can you believe it?