Monday, November 10, 2014

Will this Market continue to Advance?? What about a discussion of RISK??? "THE GREAT WAIT CONTINUES!"

Why This Bull Market Will Keep Running
Jim Stack says this is no time to sell stocks.  Even though we’re more than 5½ years into a bull market, he believes low oil prices and low interest rates, along with rising consumer and business confidence, will power this bull market ahead for many months to come. In fact, he currently recommends that investors keep 83% of their assets in stocks.
DYI Comments:  As with all markets they can over or under shoot that can surprise even the most ardent value player.  No doubt with oil prices receding there is precedent for higher equity prices.

DYI's

The Oil Indicator

 11/1/14

Oil Prices:  11/1/13..... $100.13
                    10/24/14.......$82.71   DOWN 18%
 OIL INDICATOR POSITIVE

Oil prices are well known for their volatility in the short term, longer term due to dwindling reserves energy prices are in a secular bull market.  Technologies such as fracking will extend the life of oil fields but major new discoveries arrive at a snails pace far slower than the world's growth.  

As long as prices rise in a slow and orderly pace our economy can adjust to those changes, however if prices spike (international tensions, war etc.) high energy costs behave as a massive deflationary tax. This will send our economy tumbling down and very possibly the U.S. stock market.

If oil prices rise greater than 75% from one year-earlier level, investors at that time should shift their portfolio geared towards deflationary times.  This would be oil indicator as negative.

If oil prices rise from one year-earlier less than 10% or drop then the inflationary play is in effect; a positive for economic growth along with possible higher stock prices.

Where to find one year-earlier oil prices?  Alaska Department of Revenue    

                        Oil indicator positive                              Oil indicator negative
REIT's                          15%                                                           5%
Energy                          25%                                                         10%
P.M.'s                           20%                                                          10%
Small Caps                  40%                                                          10%
Lt. Gov't Bonds             0%                                                          65%


Are stocks nothing more than commodity driven speculations or are they companies expected to deliver cash flows into the hands of investors?  Here is what John Hussman has to say regarding valuations;  Do the Lessons of History No Longer Apply?
For example, every long-term security is fundamentally a claim on a very long-duration stream of cash flows that can be expected to be delivered into the hands of investors over time. 
For a given stream of expected cash flows and a given current price, we can quickly estimate the long-term rate of return that the security can be expected to achieve (assuming the cash flows are delivered as expected).  
Likewise, for a given stream of expected cash flows and a “required” long-term rate of return, we can calculate the current price that would be consistent with that long-term rate of return.  
The failure to understand the inverse relationship between current prices and future returns is why investors frequently argue that rich equity valuations are “justified” by low interest rates, without understanding that they are really saying that dismal future equity returns are perfectly acceptable.
DYI Continues:  My dividend model using historical averages and simple algebra has a 90% plus correlation for your future return.  For your risk, you are expecting an average annual return of 1.3% for stocks bought or held today for the next 10 years. Go to sleep like Rip Van Winkle and awake 10 years from now and your return (before fee's, trading costs, taxes and inflation) will be very close to 1.3%.  Of course you will be awake during those 10 years and you can expect one heck of a roller coaster ride.

Estimated 10yr return on Stocks

Using 5.4% as the historical growth rate of dividends and 4.0% as the ending yield.

Starting Yield*---------return**
1.0%-----------------------(-5.7%)
1.5%-----------------------(-1.7%) 

2.0%------------------------1.3%  YOU ARE HERE!

2.5%------------------------3.8%

3.0%------------------------5.9%
3.5%------------------------7.8%
4.0%------------------------9.4%
4.5%-----------------------10.9%

5.0%-----------------------12.3%
5.5%-----------------------13.6%
6.0%-----------------------14.8%
6.5%-----------------------15.9%

7.0%-----------------------17.0%
7.5%-----------------------18.0%
8.0%-----------------------19.0%

*Starting dividend yield of the S&P500-**10yr estimated average annual rate of return.

If Jim Stack is correct and this market powers up to even higher levels pushing down future returns negative DYI will move back up our sentiment indicator from Denial of Problem to MAX-OPTIMISM.  My market sentiment indicator is based upon long term returns (10 years of more) which is to say it is secular as opposed to cyclical time frame.  If this happens, this will mark a double secular top!

Market Sentiment

Smart Money buys aggressively!
Capitulation
Despondency--Short Term Bonds
Max-Pessimism *Market Bottoms*MMF
Depression
Hope
Relief *Market returns to Mean* 

Smart Money buys the Dips!
Optimism--Gold
Media Attention
Enthusiasm

Smart Money - Sells the Rallies!
Thrill
Greed
Delusional---Long Term Bonds
Max-Optimism *Market Tops*--REITs
Denial of Problem--U.S. Stocks
Anxiety
Fear
Desperation

Smart Money Buys Aggressively!
Capitulation

To Jim Stack's credit he concluded by saying:

Stack, however, is nothing if not flexible. He remains a nervous bull. “Bull markets do not last forever,” he says. He thinks we’re in the latter third of the bull market, and that sometime in the next two or three years the economy will fall into recession. Typically, bear markets begin three to six months before recessions start. 
What’s more, Stack expects the coming bear market to be a doozy. That’s because every bear market save one since 1950 has taken back at least half of the gains of the preceding bull market. He thinks the next bear market will subtract 35% or more from the major stock indexes. But that’s tomorrow’s worry. For now, the bull market looks strong and healthy.

DYI Concludes:  This blog's main purpose is to educate and hopefully be a bit entertaining. It's your money and what you do with it is your decision as for DYI I'm standing pat with our model portfolio.

AGGRESSIVE PORTFOLIO - ACTIVE ALLOCATION - 11/1/14

Active Allocation Bands (excluding cash) 0% to 60%
81% - Cash -Short Term Bond Index - VBIRX
17% -Gold- Precious Metals & Mining - VGPMX
 2% -Lt. Bonds- Long Term Bond Index - VBLTX
 0% -Stocks- Total Stock Market Index - VTSAX
 0%-REIT's- REIT Index Fund - VGSLX
[See Disclaimer]

J. Paul Getty Quote!

Stock Market - "For as long as I can remember, veteran businessmen and investors - I among them - have been warning about the dangers of irrational stock speculation and hammering away at the theme that stock certificates are deeds of ownership and not betting slips.

The professional investor has no choice but to sit by quietly while the mob has its day, until enthusiasm or panic of the speculators and non-professionals has been spent. He is not impatient, nor is he even in a very great hurry, for he is an investor, not a gambler or a speculator.  There are no safeguards that can protect the emotional investor from himself."

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This site strives for the highest standards of accuracy; however ERRORS AND OMISSIONS ARE ACCEPTED!
The Dividend Yield Investor is a blog site for entertainment and educational purposes ONLY.
The Dividend Yield Investor shall not be held liable for any loss and/or damages from the information herein.
Use this site at your own risk.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS.

"THE GREAT WAIT CONTINUES!"

DYI 

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