Easy money

How US sectors performed in easy-money conditions

Since Jan 3, 1983, the record reads this regime on 7.4% of trading days, across 61 episodes with a typical run of 9 sessions. Across those sessions since Dec 22, 1998, Consumer Discretionary did best at +15.9% a year and Financials did worst at -2.3%, against +6.3% for the S&P 500.

Figures as of Sep 23, 2026 · recomputed every trading day

The regime in the record

Share of trading days
7.4%
Separate episodes
61
Typical run
9 sessions
Longest run
69 sessions
Last seen
Dec 31, 2021
Today
Not in force

Sector by sector

Annualised mean return on the session after each regime day. Sorted by the regime figure.

AssetIn this regimeAll daysvs S&P 500Up sessionsVolatilitySessions
Communication Services XLCsince 2018+28.6%+12.3%+0.8%54%37.8%127
Real Estate XLREsince 2015+16%+5%-18.8%57%42.9%159
Consumer Discretionary XLY+15.9%+10.4%+9.6%54%29.7%816
Information Technology XLK+14%+12.4%+7.7%52%31.2%816
Health Care XLV+11.7%+8.5%+5.4%53%24.7%816
Energy XLE+6%+10.2%-0.4%51%42%816
Consumer Staples XLP+4.9%+5.3%-1.4%53%20.7%816
Materials XLB+3.3%+8.5%-3%52%32.9%816
Utilities XLU-1.2%+5.4%-7.5%53%28.2%816
Industrials XLI-2%+9.4%-8.3%52%30.2%816
Financials XLF-2.3%+7.8%-8.6%52%41.3%816

Context

AssetIn this regimeAll daysvs S&P 500Up sessionsVolatilitySessions
S&P 500 SPY+6.3%+10.2%—54%28.4%816
Nasdaq 100 QQQsince 1999+19%+13.4%+12.7%54%29.9%816
Russell 2000 IWMsince 2000+3.4%+9.8%-2.9%52%32.7%816
Long Treasuries TLTsince 2002+2.7%+1%-5%52%17.9%802
Gold GLDsince 2004-9.5%+11.7%-16.2%50%22.7%754

How this regime is defined

Fed policy reads very accommodative while real yields read negative or deeply negative.

Method and limits

Descriptive statistics over the published regime record — not a backtest, a forecast or advice. Each regime day is credited with the NEXT session's return, so a regime never earns the move that revealed it. Returns are ETF price returns (dividends excluded), annualised as 252 × the mean session return; volatility likewise. Sector funds start in December 1998 (Real Estate in 2015, Communication Services in 2018); the regime record starts in 1980. Labels are the engine's as currently published and are recomputed when its method improves. A figure with fewer than 60 sessions is not shown.

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Questions

Which sectors did best in easy-money conditions?
Consumer Discretionary +15.9%, Information Technology +14%, Health Care +11.7%. Annualised mean next-session returns since Dec 22, 1998; the S&P 500 returned +6.3%.
How common is this regime, and how long does it last?
It appears on 7.4% of trading days since 1983, in 61 separate episodes. The typical run is 9 sessions; the longest lasted 69 sessions.
Is this regime in force today?
No. It was last seen Nov 26, 2021 – Dec 31, 2021. The daily nine-axis reading is on the Regime Radar.
Is this a backtest?
No. It describes how assets behaved on the session after each day the regime was read, with no portfolio, costs or selection. A backtest would test a rule; this records a history.