Robert Clegg

Investment Strategy

Welcome to the Robert Clegg blog. A recession is not the time to experiment or take risks with your investments. The most important aspect of anyone’s recession-time investment strategy should be playing it safe. This involves avoiding investments in companies that are highly leveraged or speculative. Focus on finding companies with good cash flow and low debt for the safest investment options. And as a general guideline, try not to take any major risks at an already uncertain time.

Cyclical goods and services are best avoided during times of uncertainty. During a recession, it’s best to focus on finding non-cyclical industries offering goods and services that are in constant, year-round demand like grocery stores, discount stores, alcohol manufacturers, cosmetics and funeral services.

A good general piece of investing advice from Robert Clegg is not to pile into a single sector, even when it includes the aforementioned consumer staples. Equally important is diversification across asset classes, e.g., equities, in addition to fixed income and commodities.

Though a major recession can bring seriously loses too many industries, real estate — provided wise investments are made — is usually not among them. Recession usually leads to a drop in home values, meaning that you may be able to buy a property at a lower price and sell it for a large profit when prices rise back up after the economy and markets have recovered. In the meantime, you can rent the property out to a tenant, generating reliable passive income during the interim period.

Be well, and invest wisely!

Welcome to the Robert Clegg blog. The work-from-home job force just got a big push from the current global coronavirus pandemic, but even before COVID-19 became a factor, increasing numbers of people have been saying goodbye to their onerous commute to work. Thanks to ever-evolving technologies like Skype, Facetime, Slack, Zoom, Google Hangouts, authenticator apps, and cloud computing—not to mention texting and email—it's no longer necessary to be in an office full-time to be a productive member of the team. In fact, many kinds of work can be done just as effectively, if not more so, from a home office.

Whether you’re working remotely one day per week (or more) or full-time—by choice or because of a health scare or weather event—it’s important to ensure that you are set up to be productive. This includes having a designated workspace with the right technology; ways of dealing with kids, pets, and other potential disruptions; and a schedule that allows for the social contact and stimulation that ordinarily comes from being in a workplace with others.

Know the ground rules

Does your employer require a nine-to-five schedule, or is there flexibility? Are you allowed to work on public Wi-Fi? Which tech tools might you need, such as Zoom for video conferencing, Slack or Microsoft Teams for group chats, or Trello for project management?

Set up a functional workspace

Not everyone has a designated home office, but it's critical to have a private, quiet space for your work. If you can, separate your work area from your personal spaces and use it just for work, not for other activities.

Use phone apps

If your job involves making long-distance and/or international calls, Google Hangouts, WhatsApp and Skype all let you call over the Internet across the globe on the cheap. And if you and the person you're calling are on the same service, the call will be free.

Plan extra social interactions

Some folks love the thought of working in solitude, but even the most introverted among us can start feeling a little claustrophobic after a few weeks at home, alone, staring at the same project for long hours. It can get lonely. Be ready for that, and try to schedule some connect-with-the-outside-world time, like a lunch date (even if you take it at 3 PM), a video chat with a friend, or an exercise class.

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