Archive for March, 2008

Sellout or Buy In

Is It Time to…Sellout or Buy?

While I do usually try to look at the bright side of things, my enthusiasm for the long-term prospects of undervalued stocks has a lot to do with historical precedents. We frequently mention that according to data calculated by Morningstar, equities have returned 10.4% (large-cap) to 12.7% (small-cap) per annum dating back to 1926, with stocks trading for inexpensive fundamental valuation metrics performing even better.

Adding to our arsenal of historical data, we have also been busy this year crunching equity performance figures on a going-forward 1-, 2-, 3- and 5-year basis, based on the release of various economic statistics. The fact is that stocks actually do better over the long-term when economic data points are signaling economic contraction, rising unemployment and/or recession. This is primarily because the markets have already sold off by the time the statistics turn negative, with subsequent rallies beginning before evidence of recovery emerges.

Recently, there were three main economic numbers that caused quite a bit of consternation for investors, including the Philadelphia Fed General Activity Index, which came in much worse than expected at a reading of -24.0 in February. Interestingly, history shows that when the Philly Fed index was positive, large-company stocks posted an average gain of 11.1% one year out, while small-company stocks had an average gain of 12.6%. On the other hand, when the Philly Fed number was negative, which indicates contraction in the manufacturing sector, large-company stocks had a 14.1% average gain and small-company stocks had a 23.4% average gain over the next 12 months.

Next, the Conference Board’s Index of Leading Economic Indicators (LEI) declined for the fourth straight month in January. The Conference Board said, “The leading index has continued to decline since its most recent highest value reached in July 2007, and the weakness among the leading indicators has become more widespread…The current behavior of the composite indexes suggests increasing risks for further economic weakness, and that sluggish economic growth will likely continue in the near term.”

Sounds pretty ominous until one looks at these long-term (non-annualized) equity performance numbers when the monthly change in this gauge is negative, as it is today, versus when it is positive:

Negative or Zero LEI vs. Positive LEI

1-Year Large-Cap: 11.4% vs. 11.7%
1-Year Small-Cap: 18.9% vs. 15.9%

2- Year Large-Cap: 26.7% vs. 23.9%
2- Year Small-Cap: 44.0% vs. 32.5%

3- Year Large-Cap: 40.6% vs. 38.4%
3- Year Small-Cap: 66.0% vs. 55.0%

5- Year Large-Cap: 77.1% vs. 73.2%
5- Year Small-Cap: 129.4% vs. 110.4%

Inflation was also spooking investors recently as the Labor Department reported that the Consumer Price Index for All Urban Consumers (CPI-U) increased 0.5% percent in January before seasonal adjustment, with the year-over year figure climbing 4.3%. While the so-called ‘core’ rate, which includes the volatile food and energy components, rose ‘only’ 2.5% on an annual basis, inflation is certainly higher than the Federal Reserve would like, although Ben Bernanke & Co. are still widely expected to continue to lower interest rates when they get together next month.

Interestingly, once again, long-term-oriented investors are likely to see better returns when the CPI-U is high than when it is low. Using the current 4.3% reading as the inflection point, take a look at the following (non-annualized) performance figures:

CPI-U 4.3% or Higher vs. CPI-U Less than 4.3%

1-Year Large-Cap: 11.5% vs. 13.1%
1-Year Small-Cap: 19.2% vs. 17.5%

2-Year Large-Cap: 28.4% vs. 25.6%
2-Year Small-Cap: 49.0% vs. 33.2%

3-Year Large-Cap: 47.1% vs. 38.3%
3-Year Small-Cap: 70.8% vs. 48.3%

5-Year Large-Cap: 88.2% vs. 67.9%
5-Year Small-Cap: 156.7% vs. 100.2%

Obviously, there remain numerous issues about which we might fret, including the impact of the slowdown in the U.S. economy on corporate profits, and we certainly know we have endured turbulent market conditions on many previous occasions, including whopping 40%+ peak to trough declines in 1998 and 2002. Nevertheless, our experience has shown that equities remain the place to be for long-term-oriented investors. Staying the course in difficult times has historically been the right strategy with our value-oriented approach as recoveries have often been sharp and quick. It is very difficult for the folks who have bailed out of stocks to have the courage to step back in at just the right time.

Market Outlook:

We understand that earnings estimates will continue to come down, but valuations of equities in general remain very inexpensive, especially relative to interest rates. We’ve commented in the past on the so-called ‘Fed Model’, which compares the earnings yield (the inverse of the P/E ratio) on stocks to the yield on the 10-year U.S. Treasury. Equities are cheaper today than they were at previous market bottoms in October 2002 and March 2003.

I do think that stock prices will be higher by the end of the year and, more importantly, I believe that they will be significantly higher three-to-five years out, which is always the time frame that we work with. In addition to factors outlined above, some reasons for my continued optimism include:

1) The likelihood of additional Federal Reserve interest rate cuts
2) The tremendous amount of pessimism gripping investors
3) The $3 trillion that is sitting in money market mutual funds
4) The lack of significant insider selling (and the increase in actual buying) by corporate executives
5) The relative health (outside the financial and housing sectors) of corporate balance sheets

Happy Days are NOT Here Again

What do investors expect the dividend tax rate to be in 2011? This will be the year after the Bush tax cuts expire.

Recent surveys show that tax rates will rise dramatically. Here is why: Democrats are likely to maintain their majority in both Houses of Congress. In addition, the Dems will probably pick up seats in the Senate. Even if the GOP wins the White House, a Republican President will probably be dealing with a Democratic Congress. On the other hand the more likely scenario is an all-Democratic government (look out for what you pray for … here it comes).

Under current law the dividend and cap gains tax rate would return from the present 15% tax rate to the old 39.6%. All the Democratic candidates have said they would repeal the Bush tax cuts immediately. In addition, Rep. Charles Rangel (D-N.Y.) chairman of the tax-writing Ways and Means Committee is vowing to repeal the AMT. He is proposing a surtax on high income individuals plus moving the top rate (including dividends and cap gains) from the present 35% to 44.2%.

[Side Bar: I have written countless times in this blog that taxes will be going up in the future. You should have restructured your contributions to the time-bombs, (i.e. 401K and IRA) and even been pulling money out of your qualified plans at the present low rates.]

Even if the GOP and Dems settle on a dividend and cap gains rate of “only” 28% that is a doubling of the present tax rate.

Conversely, a Republican President will probably be faced with a majority Democratic Congress and be forced to make major concessions to get tax legislation passed. Yup – higher taxes!

What does this mean for you?

  • Investors in the stock market are always looking ahead – Have the markets been dropping lately as investors, prepare for more taxes?
  • Future stock market returns will be moderate at best.
  • Investment into start up businesses will halt curbing job creation due to higher cap gain taxes.
  • Businesses will have to lay off people as corporate tax rates also go up in order to maintain their basic profits.
  • Jobs will move overseas to a more friendly tax environment.
  • Investors will place monies overseas further weakening the U.S. economy and the U.S. dollar.
  • Less take home money for you with increased taxes and rising inflation.

Presently Congress is working on a stimulus package to “give back” to us some of our own money (And also give some of our tax money back to people that have NOT paid taxes – Hmmm!)

Don’t they get it? The Dems want to raise taxes, but, they are full throttle to give back money via stimulus package. Isn’t the return of our tax money the same as a tax cut? Let the people keep more of their money. Most people know how to spend their own money better than Congress does!!!

And you said you wanted change? WATCH OUT … for Happy Days are NOT here again (Where are Richie, Ralph and Fonzi ? )

DRIPs

No, I am not calling you a “DRIP”. Rather, DRIPs, also known as Dividend Reinvestment Plans, have been around for a long time. It is a great way to build your wealth in a slow, methodical, systematic basis.

Anyone can open a brokerage account to buy stocks. Unfortunately, for some people the requirement to buy a round lot (100 shares) of a stock does not allow them to properly diversify. Another issue is that many people feel they should only buy “growth” stocks which pay little or no dividends. If you study the stock market over time you will see that more than 40% of a stock’s total return comes from dividends.

Prudent investors have taken their dividends and reinvested into more shares. Over periods of times those small investments begin to blossom into many shares. Keep in mind dividends are taxable whether you receive the dividends or reinvest them. (This is known as constructive receipt in the tax code. Picture your savings account in which your interest is reinvested, but, you still must pay tax on the interest earned.)

With dividend tax rates at the lowest in history (15% presently), then, why not take advantage of these low tax rates.
You can participate in a DRIP with many companies. You simply must purchase a minimum of 1 share of that company’s stock. You elect to have dividends reinvested and, voila, it is done automatically. It does not require further investment, unless you desire, and is a fantastic wealth building tool.

May I suggest, as you teach your young children about investing, to have them start in a DRIP program. They, and you also, by only having to buy 1 share of a company’s stock could invest in 15-20 different companies with a small amount of money. Remember the kids are watching you and will mimic your money tactics.

Others may think you are a “drip” for doing this, but, it will “drip” a fortune into your lap in later years.

Here are some great websites to learn, investigate and test out the process.

www.dripcentral.com
www.drip.fool.com
www.moneypaper.com
www.sharebuilder.com
www.equiserve.com
www.buyandhold.com

Of course, you can go straight to the source. Companies that offer DRIPs post information about their program on their websites.

I hope you get wet with all the money “dripping” on you in the future.