Silences take: As long as the Federal Reserve continues to increase interest rates, this will squeeze net margin interest that broker dealers receive (the spread between what they pay depositors and what they receive from the Fed in interest). The conundrum is that if the Fed lowers rates, that means we are just about to enter a recession (probably a depression), which is where many individuals feel at the stage of the game. We live in a world with a bunch of shell games; eventually, the house of cards crumbles. We The People must realize that these companies do not have our best interests in heart. We must put our capital to better use, by leaving public markets and entering private markets such as tangible, hard assets like precious metals, land and high quality, real estate, and exposure to energy (such as oil, gas and water). These assets will fare far better moving forward then the traditional 60/40 portfolio.