Investing in 2012

Although the December rally seems to have stalled just above S&P 1250 (not far from where we started 2011,) there’s been a nice rally  in some big cap recession resistant stocks like food (e.g. Kraft, General Mills,) and drug stocks (e.g. Abbott Labs and Pfizer.)

Some big retailer rallied into the end of the year while others flattened out after the early December lift from the November lows. Tech also flattened out while oil and gas stocks, although not as strong as food and drugs, did pretty well by Santa.

The big market issues facing us in the New Year continue to be:

  • Will Europe’s continued incremental support of its banks and sovereign debt prevent the Eurozone from unwinding.
  • Will some important economies, like the U.S. and China, continue to grow, however slowly, even if Europe goes into recession.

My view is that Europe doesn’t get enough credit in the U.S. financial press for what they have done already to stabilize thier financial system. I believe they will continue to work on it in their slow, incremental way, and the Euro will still be one of the world’s top currencies at the end of 2012.

In the U.S. the job picture doesn’t look much better going into the New Year than it has been in most of 2011, but there are consistent signs of growth in several of the recently announced economic stats, especially manufacturing.

The U.S. consumer came alive in the 4th quarter, although it’s not clear that will continue into 2012. People are still paying down debt and not optimistic about their home values. Most analysts expect the Fed to maintain an easy monetary policy through 2012, as do I.

Europe is China’s largest end market, so if Europe slows down so will China. Too, the property boom in China shows signs of slowing. However, few analysts expect China’s growth rate to slow to the point where it’s a problem, as long as the U.S., China’s second largest export market, avoids recession.

So, global recession concerns and Euro problems balanced by an easy Fed and some U.S. growth seems to be already reflected in stock (and bond) prices, and I don’t see much changing in 2012.

What to do? Dividend yield on stocks bought on market or sector pullbacks have the best chance of providing positive returns in this coming year’s probable environment. The stock groups mentioned above, food, drugs, energy,  would be the first place to look. 

Bonds, having  priced in Fed Policy and a slow economy, offer little return potential in 2012, although they are still an important asset class for diversification.

Some selected short and intermediate term high grade corporate bonds in the banking and deep cyclical sectors, as well as selected muni’s, may offer good entries during the year for both decent yield and some appreciation.

Gold? Hold it if you own it. Buy it on dips if you don’t own enough (5-10% of your investments.)

As always, stops are important, cash is not trash, and stay diversified.

Happy New Year

Mortgage Help

David Armstrong (Principal at First Cal Mortage) sends us this link, and timely mortgage market update:

Home Affordable Refinance Program (HARP)

http://www.fhfa.gov/webfiles/22721/HARP_release_102411_Final.pdf

“This is potentially big news to help homeowners. The program is not mandatory and may be implemented by November 15th. What may make this more attractive to Lenders is the elimination of Seller Buyback Risks that is normally associated with any loan a lender sells. Lenders do not want to take on buyback risks associated with high loan-to-value or underwater loans that may require them to re-purchase the loan if the homeowner defaults.”

He goes on to say, “Estimates by Core Logic indicate there are approximately 20 million properties underwater in the United States. FHFA predicts that approximately one million homeowners would benefit from this program within one year.”

Best Regards, David

(I feel managing our mortgage is, more than ever, a critical part of family investment management. I have little expertise in this area and rely on David to help me keep my clients and subscribers informed of important changes in the mortgage market. Bob)

Looser Local Mortgage Market?

According to my friend David Armstrong, Principal at First Cal Mortgage, one of the smartest guys I know, things seem to be loosening up in the mortgage market:

  • A little bit of easing for credit challenged and low down payment clients.  (Easier for a first time homebuyer than someone self-employed.) 
  • Asset Depletion for Income Qualification loans are available when the borrower does not show much income on their tax returns.  (Assets do not have to be pledged as collateral.) 
  • New home equity lines of credit are available that help accelerate principal payments with rates starting at 3.60%.

Maybe a good time to check in with your mortgage broker/banker if you’ve been looking to refi or establish a HELOC.

 

Costly Retirement Savings/Investing Mistakes

Most likely, no one is going to hand over a big check that will cover all of your living expenses when you stop working. Here are some of the common mistakes 401k investors make, and a few tips on how to improve your chances of reaching your retirement income goals:

1. You’re not saving enough. Use a retirement calculator to help determine how much money you’ll have at retirement. Most people plan to be active and travel in their retirement years. People are living longer, and could face higher medical expenses. Retirement plan contributions should be the first and most important item on our monthly budget.

2. You don’t make any changes in your 401(k). Many workers sign up for a 401(k) plan when they start a job, and then pay little or no attention to their investment selections afterward. Your retirement plan is not a “buy and forget” investment. Be proactive with your 401(k) by checking your investments every quarter, and making sure the funds you own are still meeting your expectations and are still the best of those available.

3. You make too many changes in your plan. Making too many changes based on emotions can cause you to take short-term actions that end up causing you to sell low and buy high, the exact opposite of the best strategy for opportunities to get higher returns. Try to sit still and don’t let your emotions rule — otherwise your plan will get off track.

4. You don’t have the right asset allocation. You won’t have to make too many changes to your 401(k) if you start with the right mix of different kinds of stocks, bonds, and cash. Some people get stuck when they have to choose mutual funds for their plan. First, figure out your asset allocation and risk tolerance by reviewing allocation models on credible sites. Then examine the funds offered in your 401(k) plan and pick the ones that fit. Depending on market conditions, you might have to re-balance your portfolio a few times a year to make sure your asset allocation stays intact, or adjust your asset allocation if your needs change. If you choose, a professional advisor can help you with fund selection and monitoring your investments quarterly.

5. You’re chasing performance. Try to avoid chasing the best performers of the moment. What you really want to know is which funds demonstrate the ability to anticipate market trends. This is possible by reviewing performance in different time frames. In addition to year to date, 1 year/3 year/5 year performance one should look at performance during major up and down moves in the market. Outperformance in down periods is an especially good indicator of nimble fund management.

How to Interpret Performance when Choosing Mutual Funds

You need to know how to interpret mutual fund performance charts. The most common breakdown is 1, 3, 5 and 10 years. You’ll want to compare each of these time periods relative to major market trends. For instance; markets peaked in the fall of 2007, just a little over three years ago, experienced a nasty decline that bottomed in March of 2009, and is now, 24 months later, trading at this year’s highs.

  • When looking at one year performance what you’re really looking at is whether or not the manager is in sync with the current market dynamic. Markets rotate through industry sectors relatively frequently, and managers who anticipate these rotations will outperform markets in the current environment. (Be careful you’re not looking at a sector fund that happens to be enjoying its moment in the sun.)
  • Performance in the three year time period is a measurement of nimbleness and consistency, probably over a couple of market cycles. Right now it would be an indication of how well a manager managed through the decline and subsequent rally we’ve experienced since the fall of 2007. I would also review the annual performance for 2007-2010 to see how they managed through the downturn and how they managed during the recovery.
  • Five and Ten year relative performances are of course, strong measures of management consistency. Five year outperformance is a very good sign of a solid management team, although checking each year’s performance is solid proof of consistency. After 10 years the management team may have experienced a substantial turnover, and consistent outperformance in this time frame probably indicates a very robust organizational screening and training policy for new managers.

Choosing Mutual Funds from a Limited List

Most of us have to choose mutual funds from the limited list provided by our employer sponsored retirement plans. Here are some tips on choosing your funds:

  • Domestically, most growth comes from small and mid cap companies. Big growth funds with multi billions in assets under management have to buy big companies. When choosing a growth fund try to choose smaller growth funds and review their portfolios for small and mid cap companies.
  • Value should mean dividends, dividends, dividends. If you’re going to buy large company value fund make sure it is made up exclusively of dividend paying stocks. Aside from generally lower volatility, dividends also provide some evidence that management is working for shareholders.
  • Bond funds should be diversified too. Most plans offer an inflation protected bond fund as part of their menu. Combine inflation protected bonds with short, intermediate, and to a much lesser degree, long term bonds.

The Big Three

For most families the big three financial challenges are:

  • Saving and Investing for Retirement.
  • Saving and Investing for Education.
  • Managing a Mortgage

I will post simple but solid tips on each of these big challenges under the Planning Tips tab. I will also tag them each by its name above.

Route 529

I guess we all know what it means that primary and middle schools are getting over crowded all across the country. It means that colleges and universities will get more competitive or more expensive, or both, by the time these kids are ready for higher education. Parents now have the most challenging set of circumstances ahead of them. Higher education costs are sure to continue rapidly higher while these parents are faced with the need to save for, possibly, 100% of their retirement needs.  At the same time, long term employment and benefits are less sure than they have been in two generations. Starting a 529 College Savings Plan early in children’s lives can reduce a big chunk of  anxiety. I’ve seen the relief in young parents’ eyes when they’ve established 529 plans for their children. Then, more good news usually follows when grandparents start contributing. It’s surprising how rapidly 529 College Savings Plans can grow with consistent contributions even with a minimal amount of money. The important thing is to get started as soon as you can.

529 Plans-Just Do It!

  • Taxes – Earnings grow tax-free and withdrawals for qualified higher education expenses are free from federal tax.
  • Tuition, room and board, and required books and supplies are all qualified higher education expenses.
  • Can be used for any accredited college, not just schools in the state that sponsors your plan. Includes undergraduate, graduate, post-graduate and technical training.
  • Anyone can contribute to your child’s 529 Plan -parents, grandparents, uncles and aunts, other family members and friends.
  • Up to $13,000 per person a year in contributions allowed ($26,000 for married couples) without gift-tax consequences. Under a special election, up to $60,000 ($120,000 for married couples) can be contributed at one time .
  • No income limits. You can contribute to 529 college saving plans no matter how much you earn.
  • Ability to save for anyone, your child or grandchild, a niece or nephew, a friend or yourself. You can even change beneficiaries within the same family.
  • Control of assets. You decide when to make withdrawals. You can move your assets once a year or when you change beneficiaries.
Follow

Get every new post delivered to your Inbox.

Join 73 other followers

%d bloggers like this: