Archive for June, 2007

Danger, Will Robinson!

While I try not to be perpetually bullish or bearish, my partner keep urging me to read websites like http://www.prudentbear.com. I laugh and say “They’re always bearish.” But, as the saying goes, just because you’re paranoid doesn’t mean they’re not watching you.

I’m also never one to try and time the markets, and I have blind faith in the American way and capitalist system. But the odds of stocks, bonds and financial markets continueing on their merry way grow smaller with each month. Stocks and bonds are way long in the tooth, experiencing what must be their longest and most impressive bull markets in history.

Of course, as Jim Grant says, everyone “talks their book”. My book is money markets and “cash”, so I’m clearly biased towards safety and money market mutual funds. (Not that there’s anything wrong with that;-) While one shouldn’t time markets, one also should always be aware of the odds. Though you can beat them in the short-run, over time the house always wins.

The odds keep getting better for cash, and worse for long-term investments, particularly bonds. The Wall Street Journal writes today, “Long-Term Rate Rise Prompts Strategy Shift”  http://online.wsj.com/article/SB118230552514241477.html?mod=home_personal_journal_left and breaks out the tired old playbook that says extend maturities when rates pop up.  Nobody tells you what to do when rates keep going and going and going though….

While of course noone can predict the future (or if they could, they wouldn’t tell us), I’m feeling very good about being in the cash business. I have a feeling it’s about to get real popular here….

“Shoppers for Mortgages Say ‘Ouch!’” Writes Wall Street Journal

Saturday Wall Street Journal article, ”Shoppers for Mortgages Say Ouch!” (http://online.wsj.com/article/SB118134454675329632.html?mod=home_whats_news_us) discusses rising long-term rates and features a chart of money market mutual fund and CD rates. The piece says, “While these short-term funds won’t get a rate boost from higher long-term rates, investors won’t lose money if bond and stock prices keep falling.”

We’d like to hear whether visitors think rising long-term rates will eventually pull cash away from money market funds, which have been red-hot as of late, or whether losses in the bond market will make money funds even more attractive. 

I’m of course biased towards money funds, but I would expect money fund flows to get even stronger. Money fund yields remain extremely attractive, and bond yields will have to rise considerably higher to stauch the flood into cash. Any thoughts?

Money Funds Invade New York Cash Exchange

Last week’s New York Cash Exchange conference attracted hundreds of money market mutual fund professionals and many more corporate treasurers, CFOs and cash managers. Twenty seven money fund managers exhibited and seven more online money fund trading portals, brokers and services also had booths, making this the second largest gathering of money market people (following the national AFP conference).

I participated in a panel entitled “Cash Supermarket Shopping: Comparing Online Money Market Trading Portals”, which was extremely well-attended. (E-mail me if you’d like to see slides: pete@cranedata.us.) There was also a Mellon portal session, and I hosted a money market investing workshop on Friday morning. New York Cash Exchange is increasingly looking like New York Cash Investing Exchange.