Monthly Archives: August 2011

Consumer Confidence Plummets

The Consumer Confidence Index plummeted 14.7 points in August, the most since October 2008.  Since 1968, there have only been eight other times where the index has had a drop of this magnitude.  Seven of those occurrences were associated with recessions.

According to the Conference Board, the non-profit group that produces the survey, the debt ceiling debate may have been a contributing factor to the decline in confidence.  Both business and job expectations slumped to their lowest levels since March 2009.  Income expectations also worsened.  Consumer confidence deteriorated across all income and age groups.

consumer confidence

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In the face of an impending hurricane and an earthquake that shook the East Coast, stocks saw their first weekly gains of the month.   All major domestic stock indexes gained north of 4% for the week ending August 26th.   On the contrary, after nearing $1,900 an ounce, gold plummeted $150 before stabilizing on Friday.  

Economic data was mixed for the week.  Second quarter 2011 GDP growth was revised down to 1.0% from 1.3% by the Bureau of Economic Analysis.   Home sales fell 0.7% in July; however, the Commerce Department did report that they are up 7% from last July.  New orders for durable goods jumped 4.0% in July, up 9.4% from this time last year. Continue reading

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Have Home Prices Bottomed?

The gradual improvement in home prices continued in June.  Prices rose 1.1% in June from May but are still down –4.5% over the past year, according to the S&P/Case-Shiller 20-city home price index.  Nineteen of 20 cities in the index saw price increases, yet home prices are still 32% below peak levels.  and regional prices continued to vary widely.

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While we still feel stocks are nowhere near a secular low reading, we are more encouraged with the valuation indicators on homes.  Our position on housing is that homes are now much better values, but the supply overhang probably means a long period before home prices rise sharply. – Stacey Wall

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Reasons Why We’re Cautious

stacey's pic 3 When we presented our market forecast in January of this year, we made a strong case for a good first half of the year in stocks, but focused on “increasing headwinds” as we predicted an “end to the current cyclical bull market in stocks late this summer.”  The waterfall decline that culminated on August 8 hasn’t yet technically qualified as a bear market, but we came very close.  And we’re still well off of the highs set by the bull market run on April 29 of this year.

 

cycle composite 2011 2012

The recent performance of stocks supports our belief that the market is now following its usual order of business following a waterfall decline as it goes through a bottoming process.  This will require tests of the August 8 waterfall lows, just as we saw at the end of last week.  While the NASDAQ closed last week at new lows, the S&P 500 and the DJIA did not.  And Friday’s retest occurred on reduced downside volume, fewer new lows and less extreme volatility – all positives.

We’re likely to see stocks settle into some sort of trading range for the next few weeks as investors attempt to sort things out.  But as we’ve said since the April highs, one of our concerns with the cyclical bull is its duration and percentage gains, both among the highest we’ve historically seen during secular bear markets.  As the chart below indicates, the 2009-2011 bull market ranks 4th out of 19 cyclical bull markets witnessed during secular bears.  (In both of the below charts, the dates on the horizontal axis represent the beginning of each cyclical bull market.)

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The same goes for the percentage gain, again coming in at #4 out of 19, as shown below.  With both, we’re assuming that the cyclical bull market that began on March 9, 2009, ended with the current highs of April 29 of this year.  If the market should rally to new highs before confirming a new bear market, the current bull would likely become the second longest lasting in history.

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For now, we’re content to exert some patience and remain in an underweight position while we look for signs of some direction for stocks. –Stacey Wall

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Filed under Financial Planning, Market Update, Stacey Wall Commentary, Stocks, Wealth Building

Stocks Look Ahead to Bernanke Speech

Fears of another recession vanquished early week gains, leading domestic equities to their fourth straight week of declines.  The DJIA closed the week ending August 19th down 4.01%, the S&P 500 fell 4.69%, and the tech heavy NASDAQ tumbled 6.62%.  The S&P 500 is now down 10.66% for the year. Continue reading

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Equity Markets Stabilize

Equity markets bottomed out for the week on Wednesday and reversed course.  The DJIA rallied nearly 600 points to finish the week down only 1.5%.  The S&P 500 fell 1.7%, while the NASDAQ declined by 1.0%.

 After the scheduled Federal Open Market Committee meeting, Federal Reserve Chairman Ben Bernanke pledged to keep its lending rate near zero percent until mid-2013.  He did not make mention of a third round of quantitative easing (QE).  That being said, many experts expect that the weakness in the economy will force a third round of QE.  Below is a chart that illustrates how the stock market has reacted to the first two rounds of QE. Continue reading

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S&P Downgrades the United States

 

Global equity markets continued to sell off during the week ending August 5th, with the MSCI World Index declining 8.6%.  In the U.S., the DJIA, S&P 500, and NASDAQ lost 5.8%, 7.2%, and 8.1% respectively.   On Thursday, the DJIA plunged 513 points, marking its largest decline since December 1, 2008. 

 

Adding fuel to the fire, S&P downgraded the United States’ credit rating to AA+ from AAA on Friday.    Treasury Secretary Timothy Geither ripped Standard & Poor’s, saying that the downgrade was based on a “lack of knowledge.”  He went so far as to say, “S&P has shown really terrible judgment and they’ve handled themselves very poorly.” 

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Consequences of the S&P Downgrade of U.S. Debt

Safe-haven flows saw U.S. Treasury yields erase early losses this morning after Standard & Poor’s made good on its threat to downgrade U.S. government debt to AA+ from AAA on Friday evening.  Although the timing is unfortunate considering the recent volatility in the financial markets, we don’t think it is the end of the world.  S&P has been warning of this for months, so we don’t think the credit markets were surprised.  Moody’s and Fitch reaffirmed their top ratings for U.S. debt last week, although both agencies made it clear that downgrades could come later.

The Fed said late Friday evening that the downgrade won’t affect capital requirements at banks.  Reflecting the risk of a downgrade, spreads had already widened relative to other AAA-rated countries like Germany, U.K., and Canada.

The downgrade increases the spotlight on the deficit committee created by Congress to deal with long-term fiscal challenges, particularly entitlement programs.  Until significant progress is made, we will continue to run the risk of additional downgrades by the other agencies.  But for now we think the immediate impact is not significant.  – Stacey Wall

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Jobs Growth Improves (a little)

The U.S. added more jobs than expected in July, causing the unemployment rate to fall slightly to 9.1%, providing at least a temporary calming to a stock market wreaked with panic.  Monthly employment reports often prove inaccurate and are commonly followed by one or two revisions in the months after, with further benchmark adjustments years later.  Moreover, there are two separate surveys that are often in conflict.  Special influences abound -  weather, a birth/death model and growth of the labor force – making things even more confusing.

That said, the prior two reports, even with today’s upward revisions, have not been good, and while today’s positive report has provided some reprieve for stocks, we still believe it will take an extended period of time before we see substantial improvements in employment.Stacey Wall

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Wealthy Americans have mixed emotions about leaving an inheritance.

Much has been written of late regarding the “window of opportunity” for the the ultra wealthy to take advantage of soon-to-expire allowances for passing large amounts to heirs. In a recent article by Gail Butler for Fox Business entitled, “To Give or Not to Give? The 2-Year Estate Planning ‘Opportunity”, Attorney Harold Zaritsky a nationally-recognized expert on estate planning reflects the attitude of many advisors, stating that the current two-year window is “a rare opportunity for making large gifts to future generations by gifting assets to a trust for the benefit of children and grandchildren.”

The problem with all this discussion is it seems to run counter to the attitudes held by the very people these “windows of opportunity” are supposed to benefit.  According to the most recent survey of the wealthy* by U.S. Trust, slightly less than half (49 percent) of those surveyed feel that leaving a financial inheritance is personally important.  We want to know how you feel about it. Take our brief survey below and you’ll be able to see how you and our readers feel about leaving an inheritance.

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