Investors and shareholders have endured a tumultuous year on the market as overall sentiment sinks lower into bear territory. As macroeconomic problems persist, from out-of-control inflation to aggressive interest rate hikes imposed by central banks, many have been scrambling to park their cash in low-volatile investments against the backdrop of a looming recession. As the year steadily comes to a close, markets continue to gyrate in all sorts of directions, leaving an air of uncertainty as we slowly start to approach the new year.