November 21, 2024

Concerns Over Europe and Congressional Gridlock Shake Markets

The abruptness of the fall seemed to indicate that despite the fact that polls had been indicating for some time that President Obama was likely to win, that expectation was not shared by many financiers.

While the stock market has done well since it bottomed early in Mr. Obama’s term, he aroused great hostility among Wall Streeters who opposed his call to increase taxes on high-income Americans and were concerned about increased regulation.

At a conference sponsored late last month by Wall Street’s chief lobbying group, the Securities Industry and Financial Markets Association, an adviser to Mitt Romney was not challenged when he said Mr. Obama had only a one-third chance of winning.

During the election campaign, it had appeared to some analysts that the market was rooting for Mr. Obama. Share prices generally rose this fall, but they slipped in early October after Mr. Romney showed gains in the polls after his first debate with the president. But the sell-off on Wednesday indicated that some shareholders were worried about what would happen now.

Some industry sectors, like finance and managed care, were particularly hard hit on Wednesday amid worries they would be hurt by tougher regulations and other adverse policies in Mr. Obama’s second term. Some also pointed to concerns that taxes on dividends and capital gains were likely to increase, making stocks less attractive.

The Standard Poor’s 500-stock index recorded its worst performance since June, falling 33.86, or 2.4 percent, to 1,394.53. The Dow Jones industrial average fell 312.95 to 12,932.73. It was the Dow’s first close below the 13,000 level since August.

If history is any guide, the one-day loss does not necessarily bode poorly.The stock market has often sold off on the day after Democratic victories in presidential elections, particularly when there had been doubt going into the election over who would win. But the market has tended to perform better under Democratic administrations than Republican ones.

Since 1928, there have been four postelection days when the market did worse than it did this year, with the worst showing coming four years ago, when the index dropped 5.3 percent after Mr. Obama won. It fell 4.6 percent after Truman won in 1948, 4.4 percent after Roosevelt was elected in 1932 and 3.3 percent after he won a third term in 1940. But in each case, stocks rose in the following four years.

By contrast, the market climbed 1.5 percent the day after Roosevelt was re-elected in 1936, but lost value during the next four years. It rose 1.1 percent in 2004, after George W. Bush won a second term, but lost 12 percent the next four years.

Many market strategists expect that the market will remain volatile between now and mid-January. If Congress and the president cannot come up with a plan to cut the deficit, hundreds of billions of dollars in Bush-era tax cuts are set to expire in early 2013 and automatic spending cuts will sharply cut the defense budget and other programs.

The tax increases and spending cuts, known as the fiscal cliff, could push the economy into recession in 2013, economists say they fear.

A Barclays analyst, Ajay Rajadhyaksha, said the “the worst outcome for the fiscal cliff negotiations was a status quo election,” because each party could see the result as a mandate for its own policies. “Unless one side softens its stance,” he added, “the chances of going off the cliff, at least temporarily, are higher” than markets were prepared for.

But Sherry Cooper, the chief economist of the BMO Financial Group, said she expected a compromise to be reached. “Obama is in a much stronger negotiating position now,” she said, adding that she expected a deal that included tax increases and spending cuts.

Article source: http://www.nytimes.com/2012/11/08/business/fiscal-impasse-leads-to-caution-after-election.html?partner=rss&emc=rss

Low Rates May Do Little to Entice Nervous Consumers

But many economists say it will take more than low interest rates to persuade consumers, a crucial driver of the nation’s economy, to take on more debt.

There are already signs that the recent stock market upheaval, turbulence in Europe and gridlock in Washington over the federal deficit have spooked consumers. On Friday, preliminary data showed that the Thomson Reuters/University of Michigan consumer sentiment index had fallen this month to lower than it was in November 2008, when the country was deep in recession.

Under normal circumstances, the Fed’s announcement might have attracted new home and car buyers and prompted credit card holders to rack up fresh charges. But with unemployment high and those with jobs worried about keeping them, consumers are more concerned about paying off the loans they already have than adding more debt. And by showing its hand for the next two years, the Fed may have inadvertently invited prospective borrowers to put off large purchases.

Lenders, meanwhile, are still dealing with the effects of the boom-gone-bust and are forcing prospective borrowers to go to extraordinary lengths to prove their creditworthiness.

“I don’t think lenders are going to be interested in extending a lot of debt in this environment,” said Mark Zandi, chief economist of Moody’s Analytics, a macroeconomic consulting firm. “Nor do I think households are going to be interested in taking on a lot of debt.”

In housing, consumers have already shown a lackluster response to low rates. Applications for new mortgages have slowed this year to a 10-year low, according to the Mortgage Bankers Association. Sales of furniture and furnishings remain 22 percent below their prerecession peak, according to MasterCard Advisors SpendingPulse, a research service.

Credit card rates have actually gone up slightly in the last year. The one bright spot in lending is the number of auto loans, which is up from last year. But some economists say that confidence among car buyers is hitting new lows.

For Xavier Walter, a former mortgage banker who with his wife, Danielle, accumulated $70,000 on a home equity line and $20,000 in credit card debt, low rates will not change his spending habits.

As the housing market topped out five years ago, he lost his six-figure income. He and his wife were able to modify the mortgage on their four-bedroom colonial in Medford, N.J., as well as negotiate lower credit card payments.

Two years ago, Mr. Walter, a 34-year-old father of three, started an energy business. He has sworn off credit. “I’m not going to go back in debt ever again,” he said. “If I can’t pay for it in cash, I don’t want it.”

Until now, one of the biggest restraints on consumer spending has been a debt hangover. Since August 2008, when household debt peaked at $12.41 trillion, it has declined by about $1.2 trillion, according to an analysis by Moody’s Analytics of data from the Federal Reserve and Equifax, the credit agency. A large portion of that, though, was simply written off by lenders as borrowers defaulted on loans.

By other measures, households have improved their position. The proportion of after-tax income that households spend to remain current on loan payments has fallen, from close to 14 percent in early 2007 to 11.5 percent now, according to Moody’s Analytics.

Still, household debt remains high. That presents a conundrum: many economists argue that the economy cannot achieve true health until debt levels decline. But credit, made attractive by low rates, is a time-tested way to bolster consumer spending.

With new risks of another downturn, economists worry that it will take years for debt to return to manageable levels. If the economy contracts again, said George Magnus, senior adviser at UBS, then “you could find a lot of households in a debt trap which they probably can never get out of.”

The market most directly affected by the reluctance to borrow is housing. With many owners still owing more than the current value of their homes, they cannot sell and move up to new homes. New mortgage and refinancing loan volumes fell nearly 19 percent, to $265 billion, at the end of the second quarter, down from $325 billion in the first quarter, the lowest since 2008, according to Inside Mortgage Finance, an industry newsletter.

Nick Bunkley contributed reporting.

Article source: http://feeds.nytimes.com/click.phdo?i=d4a77742a58ab212032f2052000a2e15