Monday, July 23, 2012

Market Commentary for the week of July 23, 2012

Asset relief.
I want to dispel the notion that I am an investment “bear.”  There is nothing wrong with expressing an opinion, bullish or bearish, particularly when the “consensus” says it’s alright.  Proof of one’s courage, though, lies at the margins, during undetectable inflection points, before the consensus has arrived.  My track record versus the benchmarks demonstrates a successful delineation between bearishness and being opportunistic.  However, I am a realist, and against the current global backdrop there is very little to suggest an earnings expansion or a worldwide economic recovery just yet.  As a result, my asset allocation models continue to be underweighted in stocks and favoring cash.

What makes the “risks” even more glaring is the lack of momentum from policymakers to create consensus about style or substance.  I am more neutral about fiscal policy than I am about self-sustaining economic cycles. 

Earnings patterns are decelerating because very few are willing, or able, to make capital expenditures when they are fearful about the economic climate in which they operate.

While monetarists, worldwide, have forced interest rates into a corner, I would posit that no matter how low interest rates go, or how inexpensive it might seem to be when borrowing money, that you can lead a horse to water but you can’t make him spend.  There is no indication in any sector I follow that inflation, or reflation, is a concern.

Besides, adjusting monetary policy has proven to be no match for intractable economic cycles that have boomed, then busted, in long secular durations.  Politicians can certainly adjust spending to match current conditions, but when everyone goes into hiding, as is the case now, traditional political solutions just won’t work.  The key to reigniting the economy lies in a shared sense of sacrifice, and creating a level playing field from where everyone “feels” as if they have an equal footing, an equal shot, and an equal stake.  No guarantees…just a sense of fair play and opportunity, win or lose.

Until, or unless, we find such adjustments, the market will remain tepid, at best.  In that climate, no manipulation, by government or the private sector, can jump-start a psychological sense of well-being which might aggressively increase the prospects for growth and, at the same time, limit the potential for downside deterioration.

Declining confidence.
People are fearful.  Employment statistics are stalling, paychecks are not keeping up with spending, and corporations are hoarding cash.  The message is clear:  you are in this alone, get used to it.  A downshift in expectations becomes a harbinger for negative portfolio results.  The paradigm is a self fulfilling prophecy.

Not one week, one quarter, nor even one year can markedly change the momentum of political inertia.  However, the pulse of secular cycle, quantitative macroeconomics tells us that cycles, themselves, do not necessarily rely upon politics but, rather, a social dynamic that has a life of its own.  Elements such as healthcare, energy, technology are not beholden to a Congress or Parliament, or even a dictator, but to the evolution of social consciousness and need.

Banks need to “let go” of capital to help the entrepreneur.

As investors, we are “in it” either to make a profit, or to inspire social and moral good.  They are not mutually exclusive goals, however, but they have just recently become an either/or dilemma for the current times.  In my opinion, that juxtaposition is the biggest investment hazard we face.

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