It goes without saying that marketing is getting harder and harder. Not only is competition fierce, but technology and the digital world are ever-changing. For example, the introduction of many investment portfolios creates greater challenges. Last year has given marketers a whole new challenge and nailing down a marketing strategy in 2020 is like trying to hit a moving target. For agencies and marketers, the toughest part of making an investment is talking about cash. Most organizations will be wary of where to apply the bulk of their budget since there are many different channels and strategies in which to invest.