Client Communication Briefings

November 12, 2001

    In the two months since the devastating terrorists attacks we have watched our country rally in a manner that demonstrates the pride, patriotism, and undeniable spirit of the American people. Similarly, our markets have staged their own comeback despite ongoing threats staged by cowardly enemies.

    Since the attacks of September 11, we have witnessed the remarkable strength of our economic system and the history-repeating evidence that our markets work, even in the most trying times. As of this past week, both the NASDAQ and the Dow recovered to their pre-attack levels closing at 1828 and 9608 respectively. In fact, the NASDAQ has delivered an outstanding 22% post-attack recovery and a 7% gain from the September 10 close. While the Dow’s improvement has not been as dramatic, the fact remains that the index is now trading at slightly above its pre-attack levels and showing signs of positive momentum.

    Other positive news comes from The Federal Reserve’s tenth interest rate reduction of the year, the third since the initial attack. These reductions continue to position the economy for positive activity, the full weight of which is experienced nine to 12 months following a reduction. The pending economic stimulus package represents $75 to $100 billion of government spending, and a tax cut program designed to further stimulate the economy is slated for congressional vote before the month’s end.

    Even the ongoing news of anthrax has not proven to be enough to slow the markets from staging their rally. The war news, the threat of chemical and bio-terrorism, and special safety alerts continue to plague a nation that is on constant high alert. Amid the chaos, however, our markets are responding favorably as they have done during other similar events in history, which are characterized by panic selling in the immediate aftermath followed by a strong recovery of the markets in anticipation of the economic growth spurred by government spending.

    It’s important for us to remain vigilant during these trying times and to be realistic in terms of our expectations. I will keep you posted as conditions change – communication is a must during these turbulent times. Any change in your financial needs or objectives need to be communicated to us as soon as possible. We will review your financial and personal goals to ensure your objectives continue to be realistic in light of current market and economic conditions. If you have any questions or concerns, please call our office. We’re a financial partner you can count on.

Sincerely,

 

Michael P. Haubrich, CFP