Note: This article was first published in The Business Times on 13 May 2020.

Our lives have been upended.

Where once we could walk freely and gather in groups, we’re now huddled at home and have adapted to social distancing.

Where once parents would send their kids to school in the morning before heading to work, they now have to assume the tough twin-roles of educator and working-professional at home.

Where once malls and businesses were open, we now see shuttered stores all over town.

COVID-19 has brought tremendous changes to our lives.

And there’s a massive ongoing debate about how investors should be investing because of these changes.

Interest rates are at generational lows, and even negative in some instances. Central banks are racing to keep their financial systems – particularly the credit markets – humming.

Governments are handing out cash to save their economies and many are