Economic & Stock Market Outlook 2012 Financial Planning Symposium October 27, 2011 Please refer to Appendix – Important Disclosures Bruce Bittles Chief Investment Strategist (941) 906-2830 bbittles@rwbaird.com The End of the Debt Super Cycle Quarterly Data 3/31/1947 - 9/30/2010 (Log Scale) Total Credit Market Debt's (All Sectors, as a % of GDP) Potential Impact On Growth 368 Nominal GDP Gain/Annum When: 353 339 325 312 Debt/GDP * Above Between Below Gain/ Annum is: 270% 160% Real GDP Gain/Annum When: and 270% 160% % of Time Debt/GDP 4. 0 15. 0 6. 5 33. 1 * Above Between 7. 6 52. 0 Below Gain/ Annum is: 270% 160% 368 Nonf arm Payrolls Gain/Annum When: and 270% 160% % of Time Debt/GDP 1. 7 15. 0 3. 2 33. 1 * Above Between 3. 7 52. 0 Below Gain/ Annum is: 270% 160% and 270% 160% 353 % of Time -0. 2 15. 0 1. 8 33. 1 2. 3 52. 0 339 325 312 300 300 288 288 276 276 Debt High 265 265 254 254 244 244 Total Debt/GDP 234 225 234 225 216 216 207 207 199 199 191 191 183 183 176 176 169 169 162 162 Debt Low 155 155 149 149 143 143 Source: 137 1985 132 (HOT2011 01201B_C) 1950 1955 1960 1965 1970 1975 1980 1985 1990 Department of Commerce Department of Labor Federal Reserve Board 1995 2000 137 132 2005 2010 Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 2 . Admitting the Problem The Next Step? Quarterly Data 3/31/1946 - 12/31/2010 Taxes and Government Spending Government Spending as a % of GDP (60.0-Year Average = 19.5% of GDP) 12/31/2010 = 25.4% ( ) 25 24 25 Spending/GDP 24 23 23 22 22 21 21 20 20 19 19 18 18 17 17 16 16 Taxes as a % of GDP (60.0-Year Average = 18.0% of GDP) 12/31/2010 = 15.9% ( 15 ) Taxes 15 14 14 Data Subject To Revisions By The Federal Reserve Board 13 12/31/2010 = -9.6% 5 4 3 2 1 0 -1 -2 -3 -4 -5 -6 -7 -8 -9 (E300) 13 5 4 3 2 1 0 -1 -2 -3 -4 -5 -6 -7 -8 -9 Surplus Surplus as a % of GDP Deficit as a % of GDP Deficit (60.0-Year Average = -1.5% of GDP) 1950 1955 1960 1965 1970 1975 1980 1985 1990 1995 2000 2005 2010 Copyright 2011 Ned Davis Research, Inc. 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Baird Market & Investment Strategy │ Page 3 Debt Restricts Growth Ne w Q Nom inal G DP ( Ten- Year % Change) 17 5 17 0 16 5 16 0 15 5 15 0 14 5 14 0 13 5 13 0 12 5 42 60 . 5 - Ye a r 1 11 5 11 0 10 5 10 0 95 90 85 80 75 70 65 60 55 u a r t e r ly Ch a r t 3 / 31 / 1 96 3 - 6 / 30 / 2 00 9 6/ 30 / 20 09 = 52 . 9 % GDP Growth M ea n = 1986 1 03 . 7 % 2010 1955 $1.35 of Debt Produced $1.00 GDP 2005 $5.75 of Debt Produced $1.00 GDP 1 9 6 5 1 9 7 0 1 9 7 5 1 9 8 0 1 9 8 5 1 9 9 0 36 0 1 9 9 5 2 0 0 0 17 5 17 0 16 5 16 0 15 5 15 0 14 5 14 0 13 5 13 0 12 5 12 0 11 5 11 0 10 5 10 0 95 90 85 80 75 70 65 60 55 2 0 0 5 36 0 34 0 3/ 31 / 20 09 De bt 3/ 31 / 20 09 G DP 32 0 = $5 2. 9 Tr ilo n = $1 4. 2 Tr lio n = 37 3. 1 % 34 0 32 0 30 0 30 0 28 0 28 0 26 0 24 0 46 . 2 5- Yea r M e an = 21 1. 6% Debt Expansion 26 0 24 0 22 0 22 0 20 0 20 0 18 0 18 0 16 0 1 5 8 . 1 4 4 . ( Dat a D A V I 2 7 16 0 D a t a S u b je c t To Re v s i io n s B y T h e F e d e r a l Re s e r v e B o a r d Tot al Cr edit M ar ket Debt ( All Sect or s) as a % of G DP S 1 3 1 ) Source: Federal Reserve and Ned Davis Research Baird Market & Investment Strategy │ Page 4 Personal Savings Rate and Growth Chart has been reanalyzed due to data revision Yearly Data 12/31/1939 - 12/31/2010 Personal Saving Rate's (%) Potential Impact On Growth 26 % 26 Real GDP Gain/Annum When: 25 24 WWII 23 Personal Saving Above 8.6% * Between 22 Below Rate is: 4.5% and 8.6% 4.5% Nominal GDP Gain/Annum When: Gain/ Annum % of Time Personal Saving 3. 9 33. 8 Above 3. 6 50. 7 * Between 3. 0 15. 5 Below Gain/ Annum Rate is: 8.6% 4.5% 25 10. 1 33. 8 6. 1 50. 7 5. 8 15. 5 and 8.6% 4.5% 24 % of Time 23 22 21 21 Nonfarm Payrolls Gain/Annum When: 20 19 Personal 18 Saving Above Below Gain/ Annum Rate is: 8.6% * Between 17 4.5% 20 and 8.6% 4.5% % of Time 19 2. 6 33. 8 18 1. 9 50. 7 1. 1 15. 5 17 16 16 15 15 14 14 High Saving Rate 13 13 1985 12 11 12 11 10 10 8.50% 9 9 8 8 7 7 6 6 5.4% 5 4 4 Low Saving Rate 3 2010 2005 2000 1995 2 1990 1985 1975 1970 1965 1960 1955 1950 1945 1940 2 Department of Commerce Department of Labor Bureau of Economic Analysis 1980 Source: 3 (DAVIS146) 5 Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 5 . Serial Bubble Creators Monthly Data 1977-01-31 to 2011-07-31 Student Loan Debt Outstanding ($ Billions) 380 370 360 350 340 330 320 310 300 290 280 270 260 250 240 230 220 210 200 190 180 170 160 150 140 130 120 110 100 90 80 70 60 50 40 30 20 10 0 380 370 360 350 340 330 320 310 300 290 280 270 260 250 240 230 220 210 200 190 180 170 160 150 140 130 120 110 100 90 80 70 60 50 40 30 20 10 0 2011-07-31 = 385.7 Nonrevolving Student Loan Debt extended directly by the federal government and by SLM Holding Corp, the parent company of Sallie Mae. Student Loan Debts Outstanding 2004 1990 1978 HOT201110061_C 1980 1982 1984 1986 1988 1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 © Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at www.ndr.com/copyright.html For data vendor disclaimers refer to www.ndr.com/vendorinfo/ QE2 Limited Value to Economy Chart title has been changed. Monthly Data 1/31/1976 - 12/31/2010 (Log Scale) CoreLogic National House Price Index 189 167 148 131 116 102 90 80 71 63 55 49 43 38 34 30 27 24 -32.1% National Home Price Index 2010 2009 2008 2007 2006 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 2005 12/31/2010 = 137.3 Source: CoreLogic National House Price Index, Haver Analytics 20 18 16 14 12 10 8 6 4 2 0 -2 -4 -6 -8 -10 -12 -14 -16 -18 (E0761) 189 167 148 131 116 102 90 80 71 63 55 49 43 38 34 30 27 24 Non-Seasonally Adjusted Excludes short sales and lender owned properties 12/31/2010 = -5.5% Home Prices Rising Home Price Trends Home Prices Falling 20 18 16 14 12 10 8 6 4 2 0 -2 -4 -6 -8 -10 -12 -14 -16 -18 CoreLogic National House Price Index (Year-to-Year % Change) Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 8 . Home Sales in Previous Cycles Monthly Data 12/31/2006 - 9/30/2012 Performance of Total Single-Family Home Sales vs Average of Past Housing Cycles 160 158 156 154 152 150 148 146 144 142 140 138 136 134 132 130 128 126 124 122 120 118 116 114 112 110 108 106 104 102 100 98 96 94 92 90 88 86 84 82 of Past Housing (Excludes 1980) ( ) Current J S Housing ( ) D 2007 M 2008 Cycles Current Cycle Foreclosure Rate Peak (+11) Average Residential Construction Spending Trough (+3) Existing Home Prices Trough (+4) Assumes home sales bottomed in January 2009 Delinquency Rate Peak (+6) Avg. Past Cycles M (E876J) 160 158 156 154 152 150 148 146 144 142 140 138 136 134 132 130 128 126 124 122 120 118 116 114 112 110 108 106 104 102 100 98 96 94 92 90 88 86 84 82 Cycle J S D M J S D 2009 M J S D 2010 M 2011 J S D M J S 2012 Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 9 . Fed Policy and Job Creation Monthly Data 12/31/2005 - 12/31/2011 Performance of Nonfarm Payrolls vs Average of Last Six Recessions and Aftermath 105.0 104.7 104.4 104.1 103.8 103.5 103.2 102.9 102.6 102.3 102.0 101.7 101.4 101.1 100.8 100.5 100.2 99.9 99.6 99.3 99.0 98.7 98.4 98.1 97.8 97.5 97.2 96.9 96.6 96.3 96.0 95.7 95.4 95.1 94.8 94.5 94.2 93.9 93.6 (HOT 201109131_C) 105.0 104.7 104.4 104.1 103.8 103.5 103.2 102.9 102.6 102.3 102.0 101.7 101.4 101.1 100.8 100.5 100.2 99.9 99.6 99.3 99.0 98.7 98.4 98.1 97.8 97.5 97.2 96.9 96.6 96.3 96.0 95.7 95.4 95.1 94.8 94.5 94.2 93.9 93.6 *Dates used for determining economic recessions are those designated by the National Bureau of Economic Research. The data has been adjusted for ease of comparison with the current cycle. Recession starting dates used: December 1969, November 1973, January 1980, July 1981, July 1990, and March 2001. Recession Recession started in December 2007 Current ( Cycle ) Current Cycle Job Growth Average of Last Six Post World War II Recessions* ( ) M J S D 2006 M 2007 J S D M 2008 J S D M 2009 J S D M 2010 J S D M J S D 2011 Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 10 . Government Transfer Payments as a % of Disposable Income Monthly Data 1959-01-31 to 2011-07-31 Government Transfer Receipts as a % of Disposable Personal Income 20.5 20.5 20.3% 20.0 20.0 19.5 19.5 19.0 19.0 The Illusion of Economic Strength 18.5 18.5 18.0 18.0 17.5 17.5 17.0 17.0 16.5 16.5 16.0 16.0 15.5 15.5 15.0 15.0 14.5 14.5 14.0 14.0 13.5 13.5 13.0 13.0 12.5 12.5 12% 12.0 11.5 12.0 11.5 11.0 11.0 10.5 10.5 10.0 10.0 9.5 9.5 9.0 9.0 8.5 8.5 8.0 8.0 7.5 7.5 7.0 7.0 1960 1965 1970 HOT201109161_C Source: Ned Davis Research 1975 1980 1985 1990 1995 2000 2005 2010 © Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at www.ndr.com/copyright.html For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 12 Lead A Horse to Water But….. Quarterly Data 3/31/1959 - 6/30/2011 M2 & M1 Money Supply Velocities 2.13 2.10 2.07 2.04 2.01 1.98 1.95 1.92 1.89 1.86 1.83 1.80 1.77 1.74 1.71 1.68 1.65 1.62 M2 Velocity (GDP/M2) 6/30/2011 = 1.66x M1 Velocity (GDP/M1) 6/30/2011 = 7.79x Velocity Of Money M2 2.13 2.10 2.07 2.04 2.01 1.98 1.95 1.92 1.89 1.86 1.83 1.80 1.77 1.74 1.71 1.68 1.65 1.62 10 10 9 9 8 8 7 7 6 6 5 5 4 4 (E0521) 1960 1965 1970 1975 1980 1985 1990 1995 2000 2005 2010 Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 13 . Purchasing Power of U.S. Dollar? Monthly Data 10/31/1914 - 8/31/2010 (Log Scale) Purchasing Power of the U.S. Dollar ($1 in 1914) 97.9 97.9 $1 CPI 79.9 79.9 65.3 65.3 "There is no subtler, no surer means of overturning the existing basis of society than to debauch the currency." - Lord John Maynard Keynes (1883-1946) 53.3 53.3 43.5 43.5 35.5 35.5 29.0 29.0 23.6 23.6 19.3 19.3 15.8 15.8 12.9 12.9 10.5 10.5 8.6 8.6 2000 7.0 1920 5.7 4.7 2010 2005 2000 1995 1990 1985 1980 1975 1970 1965 1960 1955 1950 1945 1940 1935 1930 1925 1920 (HOT2010 10121B_C) 5.7 8/31/2010 = 5 Cents Source: Bureau of Labor Statistics 1915 4.7 7.0 Copyright 2010 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 14 . Is Gold Money? “No”! Ben Bernanke Baird Market & Investment Strategy │ Page 15 Real Wage Growth Now Negative Source: Ned Davis Research Baird Market & Investment Strategy │ Page 18 Lost Decade for Employment 1998 2010 Baird Market & Investment Strategy │ Page 19 Interest Rate Outlook 2011 - 2012 5.00% 4.00% 1.74% Baird Market & Investment Strategy │ Page 20 The Road to Recovery What Is Needed Tax Reform • Flat Tax • Lower Corporate Rates/Remove Loopholes • National Sales Tax (Not a good idea) Fed Policy • Focused on Stable Dollar Budget Reform • Confront Entitlements • Cap Spending as a Percentage GDP to 20% U.S. Energy Policy • Considering Only Oil and Natural Gas Baird Market & Investment Strategy │ Page 22 Economic Outlook for 2011-2012 Secular Risks Remain • Stock Market Trends Indicate Recession Risks High • GDP Growth for 2011 Expected to Be 1.2 to 1.5% • GDP Growth for 2012 Expected to Be 1.5% To 2.0% • Interest Rates Expected to Stay Low and Stable • Inflation Trends Higher in 2011 Lower in 2012 • Unemployment to Remain Stubbornly High • Consumer as a % of GDP in Secular Decline • Home Prices Remain Under Pressure Baird Market & Investment Strategy │ Page 23 Stocks Market Outlook Weight of the Evidence Fundamental Factors • Federal Reserve Policy Bullish +1 • Economic Fundamentals Bearish -1 • Valuations Neutral 0 • Investor Sentiment Bullish +1 • Seasonal Influences Neutral -1 • Tape Bearish -1 Technical Factors Weight of the Evidence = Neutral Baird Market & Investment Strategy │ Page 24 Federal Reserve Policy - Bullish Don’t Fight the Fed Daily Data 9/02/2008 - 8/10/2011 Fed Policy Moves 1380 1360 1340 1320 1300 1280 1260 1240 1220 1200 1180 1160 1140 1120 1100 1080 1060 1040 1020 1000 980 960 940 920 900 880 860 840 820 800 780 760 740 720 700 680 (HOT2011 08111_C) QE1 Ends QE2 ends QE2 Ends 1380 1360 1340 1320 1300 1280 1260 1240 1220 1200 1180 1160 1140 1120 1100 1080 1060 1040 1020 1000 980 960 940 920 900 880 860 840 820 800 780 760 740 720 700 680 QE1 ends Standard & Poor's 500 Index QE2 launched QE 2 Launched Bernanke hints at QE2 Jackson Hole/Bernanke QE1 QE1 announced S O N QE1 expanded D J F 2009 M A M J J A S O N D J F M A M J J A S 2010 O N D J F M A M J J A 2011 Copyright 2011 Ned Davis Research, Inc. 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Economic Fundamentals - Bearish Monthly Data 1/31/1940 - 1/31/2011 (Log Scale) Standard & Poor's 500 Index 1345 1019 772 585 443 336 254 193 146 110 84 63 48 36 28 21 16 12 9 1/31/2011 = 1286.1 Standard & Poor's 500 Index Gain/Annum When: Nonfarm 1940 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 0 -1 -2 -3 -4 -5 -6 -7 (HOT2011 02111A_C) Above S&P 500 1945 1950 1955 1960 1965 1970 1975 Payrolls 1980 1985 Gain/ Annum 3.9 * Between Below (Y/Y) is: -.1 and 3.9 -.1 1990 1995 % of Time -0. 6 19. 2 6. 2 59. 2 15. 6 21. 6 2000 2005 1345 1019 772 585 443 336 254 193 146 110 84 63 48 36 28 21 16 12 9 2010 1/31/2011 = 0.8% Non-Farm Payrolls Strong Employment Growth Weak Employment Outlook Source: Department of Labor 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 0 -1 -2 -3 -4 -5 -6 -7 Nonfarm Payrolls (Year-to-Year % Change) Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 26 . Corporate Earnings and the Stock Market Monthly Data 12/31/1979 - 7/31/2011 (Log Scale) S&P 500 vs Median Expected Earnings Growth 1446 1263 1103 964 842 736 643 561 490 428 374 327 286 250 218 190 166 145 127 111 S&P 500 Gain/Annum When: Expected EPS Growth Is: * Above 14.2% Between 4.2% 4.2% and 14.2% and Below Buy/Hold Gain/ Annum % of Time -0. 5 16. 0 6. 9 65. 2 17. 2 18. 8 8. 2 100. 0 S&P 500 Index S&P 500 Index Calculation is median 12-month percent change in rolling one-year Rolling one-year forecasted EPS is a time-weighted average of current fiscal year's earnings estimates and following fiscal year's earnings estimates. Forecasted EPS based on median estimates from Zacks Investment Research. High Expectations EPS. 7/31/2011 = 16.3% Median Estimated One-Year Earnings Growth Rate for S&P 500 Index Components (%) 21 forecasted 1446 1263 1103 964 842 736 643 561 490 428 374 327 286 250 218 190 166 145 127 111 21 18 18 15 15 12 12 9 9 6 6 3 3 0 0 -3 -3 -6 -6 -9 -9 -12 -12 -15 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 -18 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 (AA380) -15 Earnings Expectations Low -18 Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 27 . Sentiment – Active Money Manager - Bullish Daily Data 7/05/2006 - 10/06/2011 (Log Scale) Standard and Poor's 500 Stock Index 1531 1465 1402 1342 1284 1229 1176 1126 1078 1031 987 945 904 865 828 793 759 726 695 S&P 500 Standard NAAIM N 14% and 73% 14% J M Index Gain/ Annum is 73% Between * Below and Poor's 500 Stock Gain/Annum When: Survey Above S M J (DAVIS134) % of Time -10. 2 22. 6 -1. 7 70. 0 30. 9 7. 3 S 2007 95 90 85 80 75 70 65 60 55 50 45 40 35 30 25 20 15 10 5 0 -5 1531 1465 1402 1342 1284 1229 1176 1126 1078 1031 987 945 904 865 828 793 759 726 695 N J 2008 M M J S N J M M J S 2009 N J 2010 M M J S N J M M High Average Allocation (%) Optimistic Source: National Association of Managers Sentiment (NAAIM) http://www.naaim.org/newsroom.php Low Average Allocation (%) Pessimistic J S 2011 80% NAAIM member firms who are active money managers are asked each week to provide a number which represents their overall equity exposure at the market close on a specific day of the week, currently Wednesdays. (Weekly Data Updated Twice a Month) 95 90 85 80 75 70 65 60 55 50 45 40 35 30 25 20 15 10 5 0 -5 National Association of Active Investment Managers (NAAIM) Survey Average Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 28 . Consumer Confidence Monthly Data 2/28/1967 - 7/31/2011 (Log Scale) Dow Jones Industrial Average 19769 16025 12990 10530 8536 6920 5609 4547 3686 2988 2422 1963 1592 1290 1046 848 687 557 452 Oct 2007 DJIA Gain/Annum When: (2/28/1969 - 7/31/2011) Consumer Confidence Above is: Gain/ Annum % of Time -0. 2 20. 8 6. 4 61. 5 14. 4 17. 7 110 Between 66 and 110 * 66 and Below Jan 2000 Dow Industrials Jun 1998 Mar 2003 Mar 2009 Sep 1987 Feb 1989 Feb 1992 Jan 1991 Oct 1968 Dec 1972 Oct 1982 May 1980 7/31/2011 = 12143.2 Dec 1974 1970 1975 1980 1985 1990 1995 2000 2005 2010 150 150 140 140 Extreme Optimism = Bearish for Stocks 130 120 110 19769 16025 12990 10530 8536 6920 5609 4547 3686 2988 2422 1963 1592 1290 1046 848 687 557 452 130 Consumer Confidence 120 110 100 100 90 90 80 80 70 70 60 60 50 50 40 40 30 20 (S1060A) 30 Source: The Conference Board Extreme Pessimism = Bullish for Stocks 20 Consumer Confidence (Conference Board) Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 29 . Contrary Opinion and Stock Market Profits Daily Data 2010-12-31 to 2011-08-09 (Log Scale) Dow Jones Industrial Average And Five Key Events Of 2011 13,095 Apple Earnings Bin Laden Death 12,965 Bin Laden Death 12,836 13,095 12,965 Apple Earnings Blowout 12,836 12,708 Debt Ceiling Agreement 12,582 12,708 12,582 12,457 12,457 12,333 12,333 12,210 12,210 12,088 12,088 11,968 11,968 11,849 11,849 11,731 11,731 11,614 11,614 11,499 11,499 Japan Nuclear Crisis Fear 11,384 11,384 Japan Disaster 11,271 11,271 11,159 11,159 11,048 11,048 10,938 10,938 10,829 10,829 10,721 S&P Downgrade 10,615 AAA Downgrade 10,509 03 12 Jan '11 24 02 11 Feb '11 HOT201108101_C Source: Ned Davis Research 23 04 15 Mar '11 24 04 13 Apr '11 25 04 13 May '11 24 03 14 Jun '11 23 05 14 Jul '11 25 10,721 10,615 10,509 03 12 Aug '11 © Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at www.ndr.com/copyright.html For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 30 Valuations - Neutral Median Price / Earnings Ratio Monthly Data 12/31/1968 - 8/31/2010 (Log Scale) Standard & Poor's 500 Stock Index 1426 1206 1020 863 730 618 523 442 374 316 268 226 192 162 137 116 98 83 70 Price Move 41.1% to Overvalued (+1SD) = S&P 500 Level of 1480.95 5.7% to Median Fair Value = S&P 500 Level of 1109.15 S&P 500 Index -29.7% to Undervalued (-1SD) = S&P 500 Level of 737.34 8/31/2010 = 1049.33 1970 1975 1980 1985 1990 32 1995 2000 2005 2010 32 Very Overvalued Median Price/Earnings Ratio +2 SD 30 28 1426 1206 1020 863 730 618 523 442 374 316 268 226 192 162 137 116 98 83 70 of: 26 30 28 26 Overvalued 22 24 +1 SD 24 16 Median 18 22 40 Year Norm 20 Price / Earnings16x -1 SD 10 18 16 14 12 20 41.8-Year Median = 16.7 14 12 10 8 8 Bargains 6 (DAVIS100) 8/31/2010 = 15.8 6 S&P 500 Median Price/Earnings Ratio (NDR Calculation) with Historical Median Copyright 2010 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ Baird Market & Investment Strategy │ Page 31 . Seasonal Patterns - Bullish S&P 500 Cycle Composite For 2011 And 2012 109.8 109.8 109.5 109.2 108.9 109.5 109.2 108.9 108.6 108.3 108.0 107.7 107.4 108.6 108.3 108.0 107.7 107.4 Summer 2011 107.1 106.8 106.5 106.2 105.9 107.1 106.8 106.5 106.2 105.9 105.6 105.3 105.0 104.7 104.4 105.6 105.3 105.0 104.7 104.4 104.1 103.8 104.1 103.8 103.5 103.2 102.9 103.5 103.2 102.9 102.6 102.3 102.6 102.3 2011-2012 Cycle Composite Equally-Weighted: One-Year Seasonal Cycle Four-Year Presidential Cycle 10-Year Decennial Cycle 102.0 101.7 101.4 101.1 100.8 100.5 100.2 (SSF 10_11A_C) Second Qtr 2012 Based On Daily Data 1/3/1928 - 11/18/2010 J F M A 2011 M J J Line represents cumulative percent gain. Trend is more important than level. A S O N D J F M A M J J A S O N 102.0 101.7 101.4 101.1 100.8 100.5 100.2 D 2012 Copyright 2010 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ . Baird Market & Investment Strategy │ Page 32 Stock Market Breadth – Bearish Baird Market & Investment Strategy │ Page 33 Financial Weapons of Mass Destruction Quarterly Data 3/31/1990 - 6/30/2011 Total Notional Derivatives 250 245 240 235 230 225 220 215 210 205 200 195 190 185 180 175 170 165 160 155 150 145 140 135 130 125 120 115 110 105 100 95 90 85 80 75 70 65 60 55 50 45 40 35 30 25 20 15 10 5 (DAVIS90) 250 245 240 235 230 225 220 215 210 205 200 195 190 185 180 175 170 165 160 155 150 145 140 135 130 125 120 115 110 105 100 95 90 85 80 75 70 65 60 55 50 45 40 35 30 25 20 15 10 5 Total Notional Derivatives $249 Trillion 6/30/2011 = $249.34 Trillion (Total Notional Amount of Derivatives Contracts at all U.S. Commercial Banks) Black Swan Events 1987, Flash Crash Day, Lehman, Enron, Bear Stearns, UBS…. 1990 1995 2000 2005 2010 Copyright 2011 Ned Davis Research, Inc. Further distribution prohibited without prior permission. All Rights Reserved. See NDR Disclaimer at Source: Ned Davis Research www.ndr.com/copyright.html . For data vendor disclaimers refer to www.ndr.com/vendorinfo/ . Baird Market & Investment Strategy │ Page 34 Contact Information Bruce Bittles Chief Investment Strategist Robert W. Baird & Co., Inc. (941) 906-2830 bbittles@rwbaird.com Baird Market & Investment Strategy │ Page 35 Appendix - Important Disclosures This is not a complete analysis of every material fact regarding any company, industry or security. The opinions expressed here reflect our judgment at this date and are subject to change. The information has been obtained from sources we consider to be reliable, but we cannot guarantee the accuracy. ADDITIONAL INFORMATION ON COMPANIES MENTIONED HEREIN IS AVAILABLE UPON REQUEST The indices used in this report to measure and report performance of various sectors of the market are unmanaged and direct investment in indices is not available. Baird is exempt from the requirement to hold an Australian financial services license. Baird is regulated by the United States Securities and Exchange Commission, FINRA, and various other self-regulatory organizations and those laws and regulations may differ from Australian laws. This report has been prepared in accordance with the laws and regulations governing United States broker-dealers and not Australian laws. Copyright 2011 Robert W. Baird & Co. Incorporated Other Disclosures UK disclosure requirements for the purpose of distributing this research into the UK and other countries for which Robert W Baird Limited holds an ISD passport. This report is for distribution into the United Kingdom only to persons who fall within Article 19 or Article 49(2) of the Financial Services and Markets Act 2000 (financial promotion) order 2001 being persons who are investment professionals and may not be distributed to private clients. Issued in the United Kingdom by Robert W Baird Limited, which has offices at Mint House 77 Mansell Street, London, E1 8AF, and is a company authorized and regulated by the Financial Services Authority. For the purposes of the Financial Services Authority requirements, this investment research report is classified as objective. Robert W Baird Limited ("RWBL") is exempt from the requirement to hold an Australian financial services license. RWBL is regulated by the Financial Services Authority ("FSA") under UK laws and those laws may differ from Australian laws. This document has been prepared in accordance with FSA requirements and not Australian laws. Baird Market & Investment Strategy │ Page 36