Market Update: September 22, 2021 The Market Moves Up Today, But Cautiously

Tom Vaughan is a Certified Portfolio Manager and CEO of Retirement Capital Strategies. Retirement Capital Strategies is a registered investment advisor located in San Jose, California.

The opinions voiced in these presentations are for general information only and are not intended to provide specific advice or recommendations for any individual(s). The information provided herein is obtained from sources believed to be reliable, but no reservation or warranty is made as to its accuracy or completeness. Statements and opinions are subject to change without notice. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Accordingly, you should not rely solely on the information contained in these materials in making any investment decision as the material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned in this presentation. Before acting on information discussed in this presentation, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment advisor. Prospectuses, investment objectives, risks, charges and expenses of any investment product should be reviewed carefully before investing. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Retirement Capital Strategies and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Tom Vaughan or Retirement Capital Strategies unless a client service agreement is in place. “Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information, comments and questions. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. Investment positions mentioned in these videos may be held in some of our existing portfolios. Tom Vaughan and Retirement Capital Strategies are unaffiliated and separate from those companies whose investment positions are mentioned and is not liable for their products or services.

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Transcript:

Tom Vaughan:

Everybody, welcome to Wednesday, the S&P 500 was up almost 1%, today. All of the indexes were up a lot. The Russell 2000 was actually up 1.6%, today. Really strong day. It started off with the big company in China, called Evergrande, that has $300 billion in debt who had $84 billion that was due next week. They only had $15 billion on hand, essentially resolving that $84 billion, which I suspected would happen. You’re looking at a centralized control country, that’s trying to rearrange the way things are being done there, and $84 billion is not a lot of money to the second largest economy in the world, so that resolved itself.


We had a really big move right away in the mornings. And then this afternoon, we had the Federal Reserve meeting and then Chairman Powell came out, and said a couple of really interesting things, that normally would have been negative, but in today’s market, it basically just created a “sideways motion.” Number one is they stated, reconfirm that they’re going to cut back on the purchase of these bonds. They didn’t give a definitive timeline as far as that goes, but they did talk about the possibility of six to seven rate increases, by the end of 2024, so that’s the first time that they’ve said that. And they even said, there might be a rate increase in 2022, next year.


So again, these are normally negative things that the market would look at, but in this particular case, one of the things that’s kind of interesting about this, is that what the Fed is saying is that they’re seeing that the economy is doing quite well, and they expect it to do well. They have access to a lot of data, they don’t always get it right, but definitely it’s one of the things that I think would excite the market in that regards. And some interest rate increases at some point might take off some of the inflationary fear that’s happening, so if the Fed waits too long to raise interest rates and inflation could peak up.


So, maybe this announcement was an okay thing to the market. Again, we didn’t see a big movement up or down, based on these comments. But, I think the big picture and the thing to keep your mind on, is two big catalysts that we have to watch for. Number one, is the S&P 500 fell through its 50 day moving average. And a lot of people trade off of this, so when the price gets down near the moving average, it’ll jump back up, because people buy off of that bounce. And then when it falls through, oftentimes when it gets back to the 50 day moving average, you start to see some selling.


So we’re below the 50 day moving average, and we got close to it today. So we’ll see what happens tomorrow, that’ll be important. Need to get through that to kind of be able to continue to go forward. And the second thing would just be the fact that the debt ceiling isn’t resolved. So, the house has passed a resolution with a bunch of pieces in it, but essentially one part is to increase the debt ceiling, and they’re pushing that off to the Senate. So, this is a political move, meant to make the senators on the Republican side, especially, vote against it, and basically vote for shutting down the economy and defaulting on debt and all kinds of bad things. And they’re trying to get these republicans in these swing states to come out and vote against it, and they could use that, you know, in the midterm elections and what have you.


My guess is that they’ll allow some of those Republican senators to actually vote yes, especially the most exposed in terms of their swing state, but not enough to get it through. They need 10 Republicans to step across the aisle, to get to a total of 60, assuming every democrat votes for it, also. So, the democrats can get this done through budget reconciliation. Add it to their budget reconciliation bill, push it through, get it into the Senate, and win with a 50% vote. But, they say they’re not ready with that yet. Although, I suspect that if the senate turns it down, all of a sudden, we will see a reconciliation bill because the democrats don’t want to be blamed for shutting it down.


So, this is a political game. Actually, if you look at it, it might be the right thing to do politically, but I tell you what, the stock market doesn’t like these types of games at all. And so I do think that will continue to create some instability in the stock market, and until that is resolved, I can have a really hard time imagining the market just going straight up and doing great things. So, I would hang in there. Nice to see an up day, today. It’s great, as far as that goes. Tomorrow will be important to see what happens: Do we get through the 50 day moving average? Do at least hold up, and not come back down? Is there some more resolution that happens from the debt ceiling? So anyway, as usual, very interesting times and look forward to seeing what’s going to happen tomorrow. Thank you very much.

Tom Vaughan is a Certified Portfolio Manager and CEO of Retirement Capital Strategies. Retirement Capital Strategies is a registered investment advisor located in San Jose, California.

The opinions voiced in these presentations are for general information only and are not intended to provide specific advice or recommendations for any individual(s). The information provided herein is obtained from sources believed to be reliable, but no reservation or warranty is made as to its accuracy or completeness. Statements and opinions are subject to change without notice. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Accordingly, you should not rely solely on the information contained in these materials in making any investment decision as the material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned in this presentation. Before acting on information discussed in this presentation, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment advisor. Prospectuses, investment objectives, risks, charges and expenses of any investment product should be reviewed carefully before investing. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Retirement Capital Strategies and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Tom Vaughan or Retirement Capital Strategies unless a client service agreement is in place. “Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information, comments and questions. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. Investment positions mentioned in these videos may be held in some of our existing portfolios. Tom Vaughan and Retirement Capital Strategies are unaffiliated and separate from those companies whose investment positions are mentioned and is not liable for their products or services.

By participating in any of these live streams, you agree that any questions submitted by you might be used by us in the future on this YouTube channel. We will not share your personal information.

If you have questions, please write to us at: asktom@talkmoneywithtom.com.

  • MoneyGuidePro®
  • Advent Software/Black Diamond Reporting
  • Riskalyze, Inc.
  • thinkpipes®
  • Right Capital
  • YCharts, Inc.