Everyone is talking about the recession. Some believe we're already in it, while others think it's still on the way. The real question is: when will it end? And the answer might be never.

Low interest rates and a lack of demand for loans are often associated with recessions, and we seem to be heading in that direction.

Throughout recorded history, the economy has been driven by the idea that demand would keep increasing. But given current demographic trends, the global population is nearing its peak. In most parts of the world except for Africa and a few Muslim majority countries population growth has already peaked.

The demand for many goods and services is already in decline. Oil demand may have already peaked. The smartphone market isn't growing as fast as it used to. The real estate boom in smaller towns has slowed. Even the rise in demand for grains has tapered off.

This makes traditional investment tools like the stock market and real estate feel stagnant. Gold has been an exception so far, but as supply continues to increase and demand drops, even gold prices are likely to fall. The same goes for cryptocurrencies. Bitcoin might hold value due to its limited supply and lack of true alternatives, but most other cryptocurrencies will likely stagnate as they compete with hundreds of similar coins.

The big question for most people now is: where to invest for the future?

One obvious answer is the hospitality and care sector. With aging populations, the demand for services like nursing homes, hospitals, food and item delivery, ready-made meals, welfare checks, funeral planners, and more will rise. There are already services that let people pay for the funerals of parents they can't visit, or allow elderly individuals to prepay for their own funerals, knowing no one else might be around to arrange them.

Be prepared for it. As many economist are suggesting, keep a good portion of your money in cash. You never know how the economy would be.