🥇 First rule of investing? Know when to save! Up to 55% off Investing Pro before BLACK FRIDAYCLAIM SALE

The Fed has cut rates amid stock swoons before. Not this time

Published 08/08/2024, 06:01 AM
Updated 08/08/2024, 01:01 PM
© Reuters. FILE PHOTO: The Federal Reserve Building stands in Washington April 3, 2012. REUTERS/Joshua Roberts/File Photo

By Ann Saphir and Dan Burns

(Reuters) - A sharp slowdown in the U.S. job market that touched off days of global stock-market turmoil also fueled speculation the Federal Reserve may not wait until its next scheduled meeting, in September, to cut interest rates.

Indeed, an interest rate futures contract expiring later this month that tracks Fed policy expectations shot to a two-month high earlier in the week in a bet that rates would be lower by the end of August.

The odds are against it. As Chicago Fed President Austan Goolsbee said earlier this week, "the law doesn't say anything about the stock market. It's about employment and it's about price stability," referring to the Fed's double mandate to foster full employment and price stability.

An increasing number of analysts are now penciling in a half-a-percentage-point rate cut for the Fed's September meeting. But few if any believe the Fed will move sooner.

"Current economic data do not warrant an emergency intermeeting rate cut, and this would only ignite a new round of panic into the markets," wrote Nationwide economist Kathy Bostjancic.

Even former New York Fed President Bill Dudley, who called for the U.S. central bank to cut rates last week even before the latest data showed the unemployment rate jumped to 4.3% in July, wrote this week that an intermeeting cut is "very unlikely."

In the days since the rout began, global stock markets - which had also been pummeled by worries about Bank of Japan tightening and an unwinding of yen-funded trades - have somewhat recovered. A report Thursday showing fewer Americans filing unemployment insurance claims added to a sense of relief in U.S. markets.

Traders of short-term U.S. interest-rate futures have for now not only all but abandoned bets on an intermeeting Fed move but have also pared expectations on the size of the first rate reduction. What had been seen as a nine-to-one chance of a half-point rate cut in September is now down to about even odds as against a quarter-point cut, rate-futures prices show.

In late August Fed Chair Jerome Powell is expected to have a chance to give a fresh steer on what he thinks could be needed when global central bankers gather at the Kansas City Fed's annual economic symposium in Jackson Hole, Wyoming.

For now Powell is widely anticipated to look past the stock-market swoon and stick to what he said last Wednesday, after the Fed's decision to leave the policy rate in the 5.25%-5.50% range.

"If we do get the data that we hope we get, then a reduction in our policy rate could be on the table at the September meeting," he said.

In the weeks ahead, data on jobs, inflation, consumer spending and economic growth could all influence whether that reduction would be a quarter-point cut or something bigger.

On each of the eight occasions over the past 30 years that the U.S. central bank has cut rates between policy-setting meetings, the upheaval in markets went well beyond equities. In particular, bond market indications of rapidly building disruptions to the credit flows that keep businesses humming were in plain view, a factor notably absent so far.

A spin through each of them shows why those times were different.

RUSSIAN FINANCIAL CRISIS/LTCM - 25 basis points

Oct. 15, 1998 - The Fed, which had only just delivered a quarter-point rate cut at its meeting two weeks earlier, cut the policy rate another 25 basis points. The failure of hedge fund Long-Term Capital Management - on the heels of Russia's sovereign debt default two months earlier - was reverberating through U.S. financial markets, blowing out credit spreads that threatened to impact investment and drag down the economy.

TECHNOLOGY STOCK SWOON - 100 basis points

Jan. 3 and April 18, 2001 - The Fed delivered two surprise half-point interest rate cuts early in the year after the sharp upswing in dot-com tech stocks turned into an equity rout that policymakers worried would pinch household and business spending. What had been mostly a stock market event bled into the corporate bond market through late 2000, sending high-yield credit spreads to their widest on record to that point.

The two Fed cuts were in addition to two half-point cuts at its Jan. 31 and March 20 meetings.

SEPT 11 ATTACKS - 50 basis points

Sept. 17, 2001 - The Fed cut the policy rate by half a percentage point following the attacks and the days-long closure of U.S. financial markets, and promised to continue to supply unusually large volumes of liquidity to the financial markets until more normal market functioning was restored. High-yield bond spreads widened more than 200 basis points before the Fed's actions helped restore calm in credit markets.

GLOBAL FINANCIAL CRISIS - 125 basis points

Jan. 22 and Oct. 8, 2008 - The Fed cut its policy rate by 75 basis points at an unscheduled meeting in January as what had begun as a crisis in subprime lending the prior summer gathered steam and spread to global markets. High-yield spreads stood at their widest in five years at the time.

Then, Lehman Brothers' failure on Sept. 15 ushered in a new phase of the crisis, and though the Fed skipped policy action at its meeting a day later, by early October it got together with other global central bankers for a coordinated action that included a half-point cut to the federal funds rate. Credit spreads eventually peaked near year end at what is still a record for both high-yield and investment-grade bonds.

© Reuters. FILE PHOTO: The Federal Reserve Building stands in Washington April 3, 2012. REUTERS/Joshua Roberts/File Photo

COVID-19 PANDEMIC - 150 basis points

March 3 and March 15, 2020 - The Fed cut rates by half a percentage point, and then less than two weeks later by another full point, to ease policy as global travel and commerce suddenly skidded to a near standstill in the face of government shutdowns to prevent the spread of COVID-19. While U.S. stock indexes dropped more than 30%, of even greater concern was a 700-point widening of credit spreads and disruptions to the function of the U.S. Treasury market.

Latest comments

Risk Disclosure: Trading in financial instruments and/or cryptocurrencies involves high risks including the risk of losing some, or all, of your investment amount, and may not be suitable for all investors. Prices of cryptocurrencies are extremely volatile and may be affected by external factors such as financial, regulatory or political events. Trading on margin increases the financial risks.
Before deciding to trade in financial instrument or cryptocurrencies you should be fully informed of the risks and costs associated with trading the financial markets, carefully consider your investment objectives, level of experience, and risk appetite, and seek professional advice where needed.
Fusion Media would like to remind you that the data contained in this website is not necessarily real-time nor accurate. The data and prices on the website are not necessarily provided by any market or exchange, but may be provided by market makers, and so prices may not be accurate and may differ from the actual price at any given market, meaning prices are indicative and not appropriate for trading purposes. Fusion Media and any provider of the data contained in this website will not accept liability for any loss or damage as a result of your trading, or your reliance on the information contained within this website.
It is prohibited to use, store, reproduce, display, modify, transmit or distribute the data contained in this website without the explicit prior written permission of Fusion Media and/or the data provider. All intellectual property rights are reserved by the providers and/or the exchange providing the data contained in this website.
Fusion Media may be compensated by the advertisers that appear on the website, based on your interaction with the advertisements or advertisers.
© 2007-2024 - Fusion Media Limited. All Rights Reserved.