Sunday, August 16, 2015

Utilities, Consumer Staples and Treasuries Paint a Bearish Picture


Back at the start of the third quarter in this year, our valuation model selected the utilities sector as the sector with the most value. There was a smaller position in the SPDR Utilities ETF (XLU) in the portfolio that was added at the start of the fourth quarter 2014 that had performed nicely versus the S&P 500. The addition to the position brought the total portfolio weighting for XLU up to 25%. The latest movement in the sector has us pleased thus far.

We initiated and added to the position based entirely on our fundamental modeling but the recent technical action provides us with additional confidence that we have made the proper adjustments.

XLU has been one of the strongest sectors over the past few months rising almost 10% in that time span. Looking at the chart below we see that both the RSI (5) and stochastics are signaling over-sold readings so a near-term pullback should be expected. Depending on the magnitude of the pullback, we are cautiously optimistic that this sector can continue to outperform the broader index for some time. The longer-term trend seems to be materializing and it is pointing to higher stock prices. The RSI (14) rose above the 50 level and the weekly MACD line made a bullish pass through the signal line. The EMA (20) approached the EMA (50) but never penetrated it to the downside and is now rising again.

Almost two-thirds of the companies in the XLU ETF are in a bullish point & figure formation, up significantly from 40% a few months ago. We’d like to see a bit more of a broad based rally within the sector as the equal-weight ETF is still lagging the market cap weighted ETF but we could see that strength improve if the coming pullback proves to be shallow.





While we are happy that one of our recent allocations are panning out, the sector outperformance tells us a bit more about overall market conditions. For one, it portrays a reduced level of confidence in the overall economy as utilities are generally considered to be an economically defensive sector. Along with the utilities sector, one would expect the consumer staples sector to confirm this, which it has. The consumer staples sector, also an economically defensive play is one of the few sectors that is exhibiting increasing momentum of late as the rest of the market is stalling.





In addition to a lack of economic confidence it may also signal that the fears of tighter monetary policy are overdone. Looking at the price action of longer term U.S. treasuries, one will also see a positive shift in momentum. Similar to the utilities and consumer staples sectors, TLT (iShares +20 year gov’t bond ETF) has its RSI (14) over 50 and he weekly MACD has signaled positive momentum. As is the case with the utilities and consumer staples sectors, we are expecting a near-term pullback of TLT but should the pullback be minor and the positive momentum continues to pick-up, we would expect the broader markets to weaken. The trading pattern of these three ETF’s is not indicative of a thriving economic outlook nor a strong rally in the broader stock market. Time will tell and we believe the coming action off of near-term weakness will be a telling signal of things to come.
Michael A. Gayed, CFA writing for Seeking Alpha stated, “Meanwhile, the bond market is sending powerful messages here. Friday's payroll report on the surface suggests that the Federal Reserve will likely raise rates in September as hiring continues along its mediocre pace. Stocks fell and long-duration Treasuries (NYSEARCA:TENZ) rallied on that to cap off the week with meaningful yield curve flattening. This is important to pay attention to. The bond market seems to be anticipating that disinflationary and contractionary pressures are rising. This is problematic for the Federal Reserve because if they do raise short-term rates in September, the long-end of the curve suggests it could be a significantly negative force, in turn increasing volatility (NYSEARCA:VXX) in risk assets to the point that it may force monetary policy makers to rethink the robustness of economic activity. This in turn should also make the stock market doubt its own discounting of a future which simply never comes. As proven in our award winning paper which can be downloaded by clicking here, stock market volatility tends to rise after such price action in Treasuries takes place.”





Credit Spreads

A recent article in Bloomberg Business pointed out, “Credit traders have an uncanny knack for sounding alarm bells well before stocks realize there’s a problem. This time may be no different. Investors yanked $1.1 billion from U.S. investment-grade bond funds last week, the biggest withdrawal since 2013, according to data compiled by Wells Fargo & Co. Dollar-denominated company bonds of all ratings have lost 2.3 percent since the end of January, even as the Standard & Poor’s 500 index gained 5.7 percent. “Credit is the warning signal that everyone’s been looking for,” said Jim Bianco, founder of Bianco Research LLC in Chicago. “That is something that’s been a very good leading indicator for the past 15 years.” Bond buyers are less interested in piling into notes that yield a historically low 3.4 percent at a time when companies are increasingly using the proceeds for acquisitions, share buybacks and dividend payments. Also, the Federal Reserve is moving to raise interest rates for the first time since 2006, possibly as soon as next month, ending an era of unprecedented easy-money policies that have suppressed borrowing costs.”





“All of this has corporate-bond investors concerned enough that they’re demanding 1.64 percentage points above benchmark government rates to own investment-grade notes, the highest since July 2013, Bank of America Merrill Lynch index data show. That’s also the biggest premium relative to a measure of equity volatility since March 6, 2008, 10 days before Bear Stearns Cos. was forced to sell itself to JPMorgan Chase & Co., according to Bank of America Corp. analysts led by Hans Mikkelsen in an Aug. 13 report. “Unlike the credit market, the equity market well into 2008 was very complacent about the subprime crisis that led to a full blown financial crisis,” the analysts wrote. “While we are not predicting another financial crisis, we believe it is important to keep highlighting to investors across asset classes that conditions in the high grade credit market are currently very unusual.” So if you’re very excited about buying stocks right now, just beware of the credit traders out there who are sending some pretty big warning signs.”

S&P 500 - Fundamental and Technical Problems

We have written in the past that we believe the stock market is fundamentally overvalued currently. While we are still unclear what will be the ultimate catalyst to “break the bull”, we have also pointed out in previous postings here, here and here that market internals appear to be breaking down somewhat. We believe we are at a critical stage in the bull market that will set the stage for a rapid movement in the U.S. stock market.  

This wait and see mode is apparent to many fellow market watchers.

S&P 500 Decision Time? – The Short Side of Long: “Just a quick update regarding the S&P 500. For now, the US large cap index continues to trade above the 200 day moving average. By October of this year, it will be exactly 4 years since the index has suffered a 10% on the closing basis. That is one of the longest stretches in years. Furthermore, if we close above the 200 MA by this Friday, it will be 184 out of 188 weeks of trading above this moving average. Obviously, the longer this rally goes on for, the more risk builds into it. But for now, speculators just need to concern themselves with the tight range in S&P 500, as seen in the chart below. A break in either direction should be close…”









Planning for the Worst

In our analysis last week we stated that we were initiating portfolio protection should there be a weakening stock market. We wrote, “Market fundamentals are signaling over-valuation and market sentiment/momentum appears to be weakening. This along with less accommodative monetary policy on the horizon increases the risk of a market correction, in our view. We will maintain our existing portfolio but will start introducing “portfolio insurance” in the coming weeks and months as the market dictates. It is impossible to predict market tops and bottoms but it is prudent to alter the risk profile of the portfolio with changes in market data. We’d rather risk a portion of future upside if we are wrong in our analysis than risk previous gains if we’re right.”

Indeed having an action plan in place is an important part in the task of asset management. We are certainly not trying to “time the market” or pick tops and bottoms. In our view that is a futile process and impossible to do with any type of consistent accuracy. We have our positions in place based on our analysis but are willing to adjust the risk parameters within the portfolio to provide added hedging protection should we be correct in our assumptions of a softer outlook. If we are wrong, then our expectations are that the positions in the portfolio will continue higher and we would have sacrificed a small portion of capital appreciation in return for portfolio insurance and investor peace of mind. Perhaps if enough investors take this portfolio approach, the coming correction may never materialize. A recent posting from Ivanhoff Capital states the possibility. “One could argue that if enough people believe there’s a deep correction coming, everyone will sell and actually cause this correction to happen faster and be even bigger. The truth is that funds that actually move markets don’t go to 100% cash. They just reallocate capital between less liquid, but more lucrative asset classes and hedge. Since everyone will start buying protection, volatility will spike. Equity prices might not drop more than a few percent because most funds would be already protected and they won’t sell their positions. Put options will expire worthless. Correction predictors will be made fun of. Everything will go back to normal. By definition, deep market correction always comes by surprise for most. If enough people expect a correction and act on their perceptions, it will either not happen at all or it will be much shallower than most expect. I’d be a lot more concerned when the market is down 5% and everyone is blindly buying the dip than when the market is down 5% and implied volatility is through the roof because everyone is afraid and buying protection.”

Whatever the market has planned for us, we just want to avoid a situation where a client goes through a panic selling mode. Panic selling without a plan in place is a sure way to destroy assets.

Panic Selling

Speaking of panic selling, I read an interesting article in Business Insider that addresses panic selling. They write, “Investing in the stock market isn't for everyone, especially the faint-hearted who can't handle the downs as well as the ups of the market. Even in big bull markets, you'll see dips in stock prices. Successful investors outperform by being patient and riding out the volatility. Losers panic and sell at what might appear to be the beginning of downturns. Losers make the mistake of thinking they can predict what'll happen next and unsuccessfully time the market. Bank of America Merrill Lynch's Savita Subramanian examined what happened to stock market investors who sold at the first signs of volatility. "We compare a buy-and-hold strategy vs. a panic selling strategy from 1960-present," she said in a recent note to clients. "We assume an investor sells after a 2% down-day and buys back 20 trading days later, provided the market is flat or up at the end of that period." Can you guess what happened? "This strategy underperforms the market on a cumulative basis since 1960 both overall and during every decade, given the best days typically follow the worst days."




“The table below shows how sitting in the S&P 500 compared to panic-selling during the past ten decades. Even during the bad periods, panic-selling was a failing strategy.”




Joseph S. Kalinowski, CFA

 

Additional Reading



 

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