Thursday, December 26, 2013

2013 Predictions: A Look Back at the Economy

Economy:

1. There will be 3% GDP growth by the end of the year as companies have more of an idea of what their taxes and hiring costs will be. Obamacare is not the debacle as many fear and its pull on the economy is not felt by many Americans. The $800 Obamacare Tax Penalty will quietly be repealed with changes to the bill tacked onto a different piece of legislation.

Well missed this one because GDP growth was 4% and Obamacare is a big fat debacle by any measure. The Obamacare tax is still in place but with diktats from the White House it might be delayed past the midterms at least.

2. Banks will have record profits during 2013. Having large cash hordes and an incentive to start loaning money out will bring billions of dollars in profit into the banks. Many banks will be enriched by the same things that made them money before the bailout. Private banking will flourish in 2013.

Hit this one right on the nose. Banks are doing very well and might be doing even better in 2014 as interest rates rise so they make more money on loans with the FED still keeping rates low. Private Banking seemed to be about the same as it has ever been.

3. Hedge Funds lose quite a bit of their luster as their outsized gains disappear. There are record redemptions as rich people pull their money out and chase after tax free yield. Municipal bonds and Master Limited Partnerships become very popular since they avoid higher capital gains tax rates that come out of Washington deal-making. Dividends become less popular and stock buybacks soar.

Hedge funds seem to be trailing the stock market by a large margin as the market soars. Other high flying funds though have been hurt badly by being in the wrong thing (gold) or messing up timing the market. Municipal Bond prices have dropped though due to uncertainty in Washington. Stock buybacks did soar in 2013 with a few from huge firms like Apple and IBM.

4. The Apple TV becomes the most talked about new tech product of 2013 as it challenges the idea of Internet connected TV. Saving TV shows to ICloud and viewing movies from the Apple Store challenges Netflix and Amazon. People cancelling their cable becomes even more widespread than before. Windows 8 is a dismal failure and hastens the demise of the desktop as we know it. A big screen attached to a tablet or a smartphone becomes the new PC form factor of 2013.

No Apple TV as they just pretty much just put out upgrades of their existing lines. A new iPhone and a new iPad is pretty much it for 2013. They also benefited from a deal with China Mobile but Samsung is pretty much the big winner for 2013. Cutting the cord is a real issue to the cable companies and they seem to be running scared. Windows 8 was a dismal failure by most measures and the desktop is slowly bleeding out.

5. There will be a Facebook and Twitter backlash as many people tire of having to update their lives and document it for people they barely know. Saying "I don't have Facebook" becomes a new way of being hip instead of being luddite. The social revolution hits a definite snag in 2013 as people cease to see the point.

This was unfortunately not true as Facebook and Twitter grows like weeds. The Twitter IPO is huge and Facebook stock is at an all-time high. Plus they seem to be making money as advertisers pour money into their mobile platforms. Younger people are kind of moving away from Facebook into other social networks though.

6. Here are the end of 2013 numbers (These numbers as of today:)

Dow: 13400 (16479, way off)
NASDAQ: 3210 (4167, really way off)
S&P 500: 1410 (1842 off again by 400 points)
Eur/Dollar: 0.84 (1.37 the exact opposite)
10 Year Bond: 2.58% (2.99% not too bad)
Gold: $1640 an ounce ($1210 this was a big miss)
Oil: $85 a barrel ($99.64)

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