The year has been a tough one for investors across all asset classes both local and foreign. Investor sentiment is low and the resolve to remain invested after a disappointing 3-year investment period is being put to the test in a serious way. The appeal of cash in the South African context is becoming, if not already, an attractive alternative for many investors who are feeling the pinch every time they look at markets or their own investment statement. Advisors cannot be finding this scenario enjoyable either. Clients feel like negative investment performance is the breaking of the promises originally made or implied when investments were put together. When performance is in the red, relat