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Holistic Wealth Blog

Writer's pictureRobert Dunn, CFP®

Presidential Policies, Congress, Federal Reserve, and Corporate Planning: How They Shape, But Don’t Dictate, the Stock Market

ew financial year 2024. Calculator on the screen against the background of US $100 banknotes. Inflation, economic crisis, elections, war, stock markets, bankruptcy, cost of living, bills, poverty

The stock market is often a focal point during election cycles, with investors worrying about how it will respond depending on which party wins the White House. However, historical data shows that presidential elections alone do not reliably predict stock market performance. A range of factors—presidential policies, Congress, the Federal Reserve, and corporate planning—shape economic outcomes. Yet, none of these variables, or the party in power, guarantee a particular market trajectory. 


Presidential Policies: Limited Direct Market Impact 

While presidents can influence fiscal policy, regulatory frameworks, and trade agreements, their direct control over the stock market is limited. Presidential policies often take years to fully implement and are subject to approval and modification by Congress. For example, tax cuts or increases can affect corporate profits and consumer spending, but the market response depends on a wide array of factors, including investor sentiment, economic conditions, and global events. 


During the Trump administration, tax cuts in 2017 spurred a stock market rally, but many economists argue that the Federal Reserve's policies of low interest rates were more critical to the market’s upward momentum. Similarly, during President Obama’s term, the market rose steadily after the Great Recession, yet it was largely driven by the Fed's quantitative easing policies rather than any single presidential initiative. 



Congress: The Legislative Balancer 

Congress plays a critical role in shaping the economy through its control over spending, taxation, and the legislative process. Even if a president has ambitious plans, they require Congressional support to become law. This often means that sweeping changes to economic policy are tempered or delayed by the legislative process. Gridlock in Congress can stall significant policy changes, creating a buffer that can reduce the impact of extreme policies, regardless of which party controls the White House. 


Republican and Democrat party political symbols elephant and donkey on American flag.

For instance, after the 2018 midterm elections, a divided government emerged, limiting the ability of the Trump administration to pass additional economic reforms, a divided government typically leads to slower policy reform. Yet, the stock market continued to perform strongly as companies adapted to the economic conditions already in place. Similarly, during Obama’s presidency, the stock market performed well despite a Republican-controlled Congress for six of his eight years in office. 


The Federal Reserve: The Key Player in Economic Stability 

The Federal Reserve (Fed) wields far more influence over the stock market than the president and the president does not have a say on what actions or rates they may choose. Through its control over interest rates, monetary policy, and inflation targeting, the Fed plays a central role in maintaining economic stability. The stock market is highly sensitive to interest rate changes, as lower rates make borrowing cheaper, spurring investment and consumer spending. 


Concept idea of FED, federal reserve system is the central banking system of the united states of america and change interest rates

During both Democratic and Republican administrations, the Fed's policies have been critical in shaping market performance. For example, during the 2008 financial crisis under President George W. Bush and continuing into Obama’s presidency, the Fed’s aggressive monetary policies (lowering interest rates and quantitative easing) were key to stabilizing the financial system and eventually fueling the stock market recovery. 


Conversely, during Trump’s administration, the Fed’s actions to cut interest rates in 2019 amid concerns about a slowing economy contributed significantly to the stock market’s rise, despite ongoing trade tensions and political uncertainty. In both cases, the market's performance was driven more by Fed policy than by the specific actions of the president. 


Corporate Planning: Adapting to Policy and Market Conditions 

Corporations are adept at adjusting their strategies to navigate changing political landscapes. Whether under Republican or Democratic leadership, companies adapt to new tax laws, regulations, and trade policies. Corporate planning often extends far beyond the short-term impact of any single presidential term. Executives anticipate economic cycles, adjust for potential policy changes, and hedge against risks through diversification and capital allocation strategies. 


For instance, while the energy sector may benefit more from Republican policies (such as deregulation or expanded drilling), technology companies have thrived under Democratic administrations through increased innovation and government incentives for research and development. Companies prioritize long-term profitability and shareholder value, often finding ways to prosper regardless of which party is in power. 


Historical Market Performance Under Democrats and Republicans 

Money vs politics

While many assume that the stock market performs better under one party or another, historical data shows no clear partisan advantage. According to a study by the Schwab Center for Financial Research, from 1929 to 2020, the stock market’s average annual return was 10.3% under Democratic presidents and 6.7% under Republican presidents. However, the sample sizes are skewed by specific outlier events, such as the Great Depression and World War II. 


Additionally, the broader economic context often overshadows who occupies the White House. For example, Bill Clinton, a Democrat, presided over the longest peacetime economic expansion in U.S. history, but this coincided with the rise of the internet and technology boom. Conversely, George W. Bush, a Republican, dealt with the 9/11 attacks and the financial crisis of 2008, which were significant outliers that impacted the market regardless of policy. 


Driving uphill arrow

Conclusion: Broader Forces Drive Market Performance 

The stock market is influenced by a complex web of factors, many of which extend beyond the control of any president. Congress, the Federal Reserve, and corporate strategies play pivotal roles in shaping economic outcomes. Historical performance shows that market returns do not follow a clear partisan line, and both Democratic and Republican administrations have overseen periods of market growth and decline. 


For investors, focusing on long-term trends, diversification, and market fundamentals often outweighs the short-term political uncertainty of any election cycle. 

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