Three signs that stocks are about to start sliding again

By Associate Editor David Stevenson Dec 11, 2009

David Stevenson

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It's amazing.

There's no shortage of bad news around. From Dubai to Greece, it's becoming clearer that a whole cocktail of new nasties is brewing up for the future.

Yet share prices haven't freaked out. Far from it. Yesterday, the FTSE 100 racked up another 40 points, and on Wall Street the Dow topped 10,400 again.

So when will stock investors finally twig what's on the cards? Well, several key indicators suggest that we're getting close to a big market downswing…

"All of a sudden, the world doesn't seem that much of a safer place", says David Rosenberg of Glusken Sheff. "No amount of global liquidity can disguise unsound leveraged financial positions indefinitely".

In other words, loads of new money has been printed worldwide, which has helped keep all the balls in the air. But too much has been lent to too many of the wrong people. And the risks are growing that they won't be able to pay it back, particularly as there's very little sustained good news on the economic front.

Yet investors keep shrugging off any concerns. The FTSE 100 index is up 50% from its early-March 2009 lows. America's Dow Jones Industrial Average has risen by 60% over the same period.

A guide to where the market's headed

And investors are becoming ever more optimistic, regardless of any bad news. Since 1962, a weekly poll has been carried out in the US by Investor's Intelligence (II). This currently asks 140 investment newsletter writers for their views on the stock market. Last week the II survey showed that the percentage of pessimistic investment writers had fallen to 16.7%. This was the third-lowest bearish reading in 22 years.

Here's the first interesting bit. This survey has proved to be a very handy historic guide as to where share prices are heading next. The lower the bear count, the more likely the market is to fall. In other words, the market tends to do the opposite of what investors are expecting. After all, as we've pointed out before, if everyone has turned bullish, it means there are no buyers left. So the market has only one way to go – down.

Of course, the converse is true, too – mega-bearishness suggests the sellers have all run out. Both are generally good times to make money. That's because 'contrarian' betting against the herd tends to pay off, as we discussed here a month ago: Everyone wants to be a contrarian – but how do you do it? So you do the inverse to the consensus, and wait for the market to go your way.

So how much money might you make from this information? Jason Goepfert of Sundial Capital Research has researched the ten lowest II readings in the last decade and has studied the stock market's performance after each extreme. He found the market lost an average 0.3% one week later and had dropped by 1.6% one month later.


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Another cause for concern

By itself, that looks like small beer. But the II poll isn't the only survey giving cause for concern. There's a second, a retail money market measure that also looks dangerous.

The Investment Company Institute monitors US private investors' money market holdings - the cash they hold in their brokerage accounts. When small investors are optimistic, they spend their cash on stocks. When they go bearish, they dump their stocks and build up large deposits of cash.

Goepfert has built a sentiment gauge from this data by comparing private investors' money market deposits with the overall market cap of the US S&P 500 index. Whenever money market assets climb above 10% of the S&P's market value, he says you have a great buying opportunity. This ratio hit 15% in November 2008, which we now know wasn't such a bad time to buy shares. But when money market assets drop below 5% of the S&P's market cap, it's a good time to sell.

Private investors now hold just over $1 trillion in money market funds - around 8% of the S&P's market cap. In itself, that's not an extreme percentage. But the speed at which cash levels have plummeted from where they reached in November 2008 is extreme.

There's only been one other time in the last 30 years when retail cash balances dropped as fast. From mid-1982 to mid-1983, cash levels plunged from 15% to 8% in one year. Over the next 12 months, the stock market fell around 15%.

So unsurprisingly, the fact that retail investors are now piling into stocks at the fastest rate seen in decades is making Goepfert very wary.

So that's two reasons to be bearish. And they don't stop there. Another set of economic measures tells a similar tale.

The next market fall may be closer than people think

'Leading indicators', which include the likes of building permits, money supply and changes in a company's stock levels, measure the health of the cyclical part of the economy, which depends on economic growth to prosper.

And the rate of change in two key leading indicators, the Economic Cycle Research Institute and US Conference Board gauges which have soared through most of 2009, is turning down, says Albert Edwards of Société Générale. That would be bad news for cyclical stocks. And that suggests the next market fall "is closer than people might realise".

"Though many commentators want to complicate the investment business, we try to keep our advice as simple as possible", says Edwards. "With the market so bullish, a cyclical failure will come as a crushing blow to sentiment. It is time for caution. It's time to sell".

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Comments (24)

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  • 1. Gergiev

    (11 December 2009, 11:57AM)  Complain about this comment

    Come on we can all slap on the gloom and doom these days, but MoneyWeek has been banging the bearish drum ever since the stock-market upturn started last spring, and things have continued to hold or go up. Like the boy who cried wolf you are going to be right eventually; the really clever trick is calling the downturn once and getting it right!

  • 2. Spanner77

    (11 December 2009, 12:19PM)  Complain about this comment

    MoneyWeek has been crying "wolf" for months yet the stock market has continued to float higher (fueled on the BoE funny money). MW got it Wrong with a capital 'W'.

    Last week Gold dropped 10% yet MW again didn't call the time of this dip. Despite being a MW reader I sold on the day Gold rolled over listening into a number of traders on CNBC the day before, one of whom had just sold his holdings. MW missed the cliff edge.

    So MW are back again to calling "wolf" and yet again it's a generalised call with no date for the tipping point. This missing detail does not give you the devine right to say how right you were if it will (inevitably) happens.

    Despite MW's aimless (un-targeted) splatter gun technique to predictive power I still love it without reservation for its insight and grasp of what's going on even if it doesn't know when the party is starting or when it's time to leave .

  • 3. Roger

    (11 December 2009, 01:40PM)  Complain about this comment

    The above two readers' comments reflect how difficult it is to act against the large trend (up) in seeking technical advantage (a correction is long over due, China did it with 3400 down to 2600 and back up again). We are hanging on the hope of a correction and rise of Japan.

    Both of these are against trend, but technically "correct" type of arguments.

    None the less, Stevenson has been a stable tipster who produces usually stable type of returns.

  • 4. John Bell

    (11 December 2009, 03:50PM)  Complain about this comment

    The problem I have is that since May/June last year Money Week has been screaming that this is a suckers rally; get out now. Anyone following that has missed out on one of the best rallies in a generation.

  • 5. Oana

    (11 December 2009, 04:46PM)  Complain about this comment

    well, MW got it wrong a lot this year by "predicting" the bears who are still to show up, and so did I! Because there is no more secret that the great economic reports of the last season were due mainly to accounting skills; and also, as we all know, China is a bubble which will eventually burst (like Dubai did); but yes, people are bullish, and as long as governments keep up with their incredible Q E programs, markets have potential to go up...
    But IS IT NOW TIME TO BUY AND HOLD? I do not feel safe doing that!!
    So, yes, MW got it wrong calling the bears, but at least it warns us that the bears are yet to come!

  • 6. Roger

    (11 December 2009, 04:57PM)  Complain about this comment

    Oana,

    Of course, if you start thinking buying now, I agree it is a bit too later.

    Act a bit earlier, you are now anything between 50-300% up weather you are in US, UK, China, Brazil, almost every where.

    Bubble or not, it is a matter of your profit shrinks and expands. It is not going to see the low in March unless a bigger contry defaults.

    As to Dubai, it is not the "main" society and nobody really care. As to the collapse of China, people have being crying for the last 10 years but if you really stick to China for the last 10 years, the return is 300% in a good fund manager's hand or 100% by index, let along the depreciating GBP and appreciating RMB.

  • 7. Pat

    (11 December 2009, 06:59PM)  Complain about this comment

    MW is right on...the problem is the market is being held up so the moneyed elite can distribute the bad nickel to the little guy investor before crashing the market again next year....there are 1.1 T as in trillion - real money--Option and ALT A ARMS resetting from summer 2009 till Aug 2012---more than half of these are expected to default--see the studies out by Credit Suisse, Barclay's and Deustch Bank.

    This is real and set in concrete--the bad mortgages are contracts and do not go away....Asset values go away, but not contracts...

  • 8. Jon

    (11 December 2009, 08:45PM)  Complain about this comment

    I read that individuals here in the U.S. have been net sellers of stocks and buyers of bonds.Why anyone would be buying bonds, when the Fed is devaluing Dollars so fast, is beyond me but I would think this would be bullish for gold and real assets like commodities and stocks.

  • 9. Martin

    (11 December 2009, 10:59PM)  Complain about this comment

    MW has been heralding an 'imminent' crash since the summer, therefore, following their very clear conviction, sold up.. Since then I have sullenly watched my now 'ghost portfolio' increase by over 25% whilst awaiting the imminent crash and the opportunity to reinvest. Hmph!

  • 10. Gergiev

    (11 December 2009, 11:53PM)  Complain about this comment

    #5

    "So, yes, MW got it wrong calling the bears, but at least it warns us that the bears are yet to come!" Not only MW is warning about this and anyway bears are always yet to come, as are bulls. We always know the kinds of things that are going to happen, in life generally as well as markets; it is knowing exactly what and exactly when that matters. A bull says things are rocky now but will be smoother later, while a bear says things are smoother now but will be rocky later; they are both right and they are both wrong and they are both saying the same thing.

  • 11. Bruce C.

    (12 December 2009, 05:13PM)  Complain about this comment

    Cash held by retail investors may be falling but it's my understanding that it is NOT going into stocks. Instead it is going into (incredibly) bonds and bond funds, or being used to pay debts and taxes.

  • 12. Bruce C.

    (12 December 2009, 05:38PM)  Complain about this comment

    I still don't understand who is buying equities now, or even back in March '09. Most people I know never sold out of the market, so they own stocks but did not contribute to the rise in prices. They are not buying much more now because they don't have the income. I have decided to hold about 25% in equities as my asset allocation in the form of a Roth IRA and I dollar cost average about $5,000 per year, for better or worse. But that's it. I can't believe it's just people like me who are feeding this market.

  • 13. Bruce C.

    (12 December 2009, 05:45PM)  Complain about this comment

    I also don't understand why so many people think this market/economy is going to do okay or end well. So much gov. debt, interest payments, deficit spending, unfunded liabilities, increased gov. regulations, increasing gov./shrinking private sector, increasing taxes, failing banks, outsourcing of jobs, increasingly under-educated populace, food stamps increasing, retirees increasing (SS and Medicare recipients), static wages/salaries, fewer people employed and able to spend, more people choosing not to spend but pay down debt, diminished expectations by many, etc.

    Is it just a belief that the US is invulnerable, no matter what?

  • 14. Bruce C.

    (12 December 2009, 06:15PM)  Complain about this comment

    Okay, here's my guess:

    Yes, a strong and widespread belief in the invulnerability of the US is fundamental. At worse, the US is just the best in the world so it will always be the best off relative to everywhere else. Maybe all of the pessimism about the Fed, central banks, Bernanke, Geitner, Rommer, et al is wrong. Maybe they do know more than we think, and are wiser. Maybe gov. actions/interference is less impactful than some would have you believe. Maybe the gov. actions will work. Maybe US gov. debt doesn't matter no matter how much it. Not taxes, nor regulations, nor bad policies nor anything else will ever significantly or adversely affect the inexhaustible energy of entrepreneurship and capitalism. Maybe there is much ado about nothing. Maybe this is like Y2K, or global cooling, or "the end days". Maybe there is an imminent new technological revolution in the wings that will fund every liabilty as far as the eye can see.

    Is this any less rational than the opposite?

  • 15. Roger

    (12 December 2009, 08:27PM)  Complain about this comment

    Guys you are aa missing the point, indulging in your own arguments.

    A good investment publication is supposed to guide investors not to miss and significant trend, so failed to spot such a major trend between March/April and now is not successful.

    Another crash is bound to come, tomorrow? 2012? 2020? What happens in between? We only really have a 20 or so year active investment period between we are too young and too close to retirement.

  • 16. nigel timperley

    (12 December 2009, 09:47PM)  Complain about this comment

    I'm reminded of Keynes's famous remark that the market can remain irrational longer than you can remain solvent. MW have been calling a pullback for ages, but that doesn't make their logic wrong; it just shows that the market is nuts.

    Ultimately though, MW should be right. The world is still up to its eyes in debt; the consumer-led economy - based on mortgage drawdown and ever rising asset values - and taxes will have to rise to pay for the binge. Even more alarmingly, we're printing money and apparently trying to inflate our way out of debt - which runs the risk of stagflation (as MW continually point out).

    Where MW falls down for me is in not telling me where to invest as a result of all this. Gold is a hedge against loss but not a longterm value creator. So what's to do ? Short the FTSE!?!?

  • 17. nigel timperley

    (12 December 2009, 09:52PM)  Complain about this comment

    Second para above should have read:

    Ultimately though, MW should be right. The world is still up to its eyes in debt; the consumer-led economy - based on mortgage drawdown and ever rising asset values - IS OVER. And taxes will have to rise to pay for the binge. Even more alarmingly, we're printing money and apparently trying to inflate our way out of debt - which runs the risk of stagflation (as MW continually point out).

  • 18. TheFinlandStation

    (13 December 2009, 01:59AM)  Complain about this comment

    P/E ratios at all time highs along with unemployment, home and commercial foreclosures!

    Why not just go to Las Vegas or the nearest casino to throw your money away?

    DEFLATION RULES!!!!

  • 19. Tom

    (13 December 2009, 03:53AM)  Complain about this comment

    You want a call?
    Here:
    Stock market crashes to ZERO
    Dollar strengthens
    Gold falls temp.
    Soon thereafter, dollar collapses, gold goes skyhigh/inflation
    gold falls/deflation

  • 20. Tom

    (13 December 2009, 09:34AM)  Complain about this comment

    You shouldnt just use MW for your investing strategies, you should use a variety of sources. The same as you dont put all your eggs in one basket. Theres enough info on the web to get a clear picture of whats going on and MW is just part of that. Of course they are right all the fundementals are v bearish.
    Next year the fit will hit the shan, bankrupt countries, a further realisation that the dollar is a fraud and the pound will tumble. Get your cash out of the UK buy physical gold - and run (and bury it) to the hills!!!

  • 21. rikrok

    (13 December 2009, 03:36PM)  Complain about this comment

    Moneyweek's timing has beeen bad, but their sentiment may well be correct...pull up a chart fo the 29 crash. look at the rebound in 1930 then plunge to lower depths in 31/32.
    we may follow this pattern, we may not, but I doubt we are out of the woods yet.

    there's a chart here...
    http://www.lowrisk.com/crash/1929crash3.htm

  • 22. Quiro

    (14 December 2009, 06:42AM)  Complain about this comment

    RikRok is Right. We are not out of the woods yet, obviously, and there will be corrections. However, in the past two major stock market crashes we all (come on now) got a sense that something was wrong. Internet stocks were way overpriced and that price for homes were also rediculously overpriced (and creditors were too laxed with their credit policies). Therefore, without a major shock, investors will remain optimistic. Another area of concern is HealthCare Management.

  • 23. bernie

    (14 December 2009, 11:44AM)  Complain about this comment

    The stock marcket is no longer a place to invest money for the long term as a private invester . there are to many fundmanagers and bankers gambling and manipulating the market with there hundreds of millions of stocks and that is besides the manipulation carried out with stock they buy and sell that they dont even own. the private invester now needs to join them and gamble (invest) short term if they wish to play the market. the pest prlace for the private invester to place there money is into solid assets such as land property or comodaties if they are there for the long term.

  • 24. David Kalley

    (09 January 2010, 09:01PM)  Complain about this comment

    The American unemplyment numbers on Friday did not make for good reading, however it does mean they will maintain record low interest rates for an extended period into at least Q3 of 2010.
    Keeping interest rates this low, also leads to a devaluation of the Dollar - which has led to a stellar performance by both the Dow and the S & P 500.
    I think there is more upside to this rally because companies are much leaner, meaner and the banks have been hoarding cash like nobodies business.
    Bob Diamond Chairman of Barclays bank has £26m invested in his companies future. Over the last 12 months Lloyds Banking directors have piled in with £3m worth of stock purchases.
    Directors like investors are greedy people, the only reason you committ to these levels of investment is to make a killing.

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