Fourth Quarter 2002 Market Review

U.S. stocks rebounded smartly in the fourth quarter.  It was a very broad rally, as almost all sectors of the market gained.  Foreign markets generally rebounded as well, but not as strongly.  The bull market in bonds cooled off significantly in the fourth quarter.  This reflected perhaps more optimism regarding the equity market and also a concern that yields may have simply fallen too far.  The macro economic backdrop remained uncertain in the fourth quarter.  It is difficult to assess whether the stock rebounds were an adjustment after panic selling in the 2nd and 3rd quarters or a vote of confidence for a brighter future, or both.  The table on the other side of this page summarizes data for the quarter (reviewed below) and past 12 months.

Equities Review

U.S. stock prices were extremely volatile and mostly negative throughout 2002 but found strength in the fourth quarter of 2002.  U.S. stocks rallied in the first two months of the fourth quarter, before giving a little back in December.  Both value and growth indexes performed well.  Other than the airline industry, many companies were quietly reporting better numbers, albeit off of already lower expectations.  The communications and technology sector in particular experienced double-digit percentage increases over the previous period.  Nevertheless, technology stocks remain the hardest hit and most volatile, and their bounce in the 4th quarter restored only a small part of their 2002 losses.

International equities followed a similar pattern, with aggregate losses during the first three quarters lessened by a rally in the closing quarter.  The U.S. dollar declined against other developed country currencies, ending the quarter down 3.0% versus 19 currencies tracked by the J.P. Morgan Dollar Index.  The MSCI EAFE Index gained 2.2% in local currencies and 6.5% for U.S. dollar-based investors due to currency gains in the fourth quarter.  European and emerging equity markets led the way, and Japan continued to struggle. 

Fixed Income Review

The flight to safety ended, or at least took a hiatus, during the fourth quarter.  Thus, Treasury interest rates were mostly unchanged during the quarter, and government bond returns were modest (plus 1.0%).  However, the sense of improved corporate fundamentals was good for credit bonds, and spreads declined on perceived lower risk.  Quality corporate bonds had a good quarter (plus 2.6%, including yield), and high-yield credits offered almost 600 basis points of excess return over Treasuries, one of their best quarters of the past decade, as their interest rates declined significantly (quarter return of 6.7% per Lehman Brothers index).

Foreign bond yields were mixed during the fourth quarter.  The strength of overseas currencies versus the dollar, however, resulted in attractive positive returns for most foreign bond markets.  The Salomon Brothers Non-U.S. World Government Bond Index increased over the period by 6.1%. 

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