Mental Models & PsychologyBeginner📖 8 min read

Market vs. Economy

Markets discount the future; macro data reports the past.

Market
Forward-looking discounting
Economy
Backward-looking measurement
Lead time
Markets often move months ahead
Common trap
Trading on headlines

It is normal to see the market rise during scary headlines or fall during "good" data. Markets are pricing future cash flows and the discount rate. Economic data is backward-looking and often revised. Treat the market as a forward-looking pricing engine, not a live economy gauge.

Table of Contents

The Simple Model

Discounting
The market values future cash flows today by applying a discount rate. Higher rates usually mean lower present values.

Why market and economy diverge

  • Markets focus on the next 6–18 months, not today.
  • Economic releases are backward-looking and revised.
  • Indexes are concentrated in large, global companies.
  • Valuation and rates can move faster than GDP.

A Common Misconception

Misread: "Bad news means sell"
Misconception
If the economy looks worse, stocks must fall.
Better Frame
Stocks fall when reality is worse than expectations. If expectations are already very low, "bad" news can be less bad than feared and markets can rise.

Practice: Expectations vs. Reality

Checkpoint
Which statement best explains a market rally during weak economic headlines?

Key Takeaways

1

Markets discount the future; macro data reports the past.

2

Focus on expectations, rates, and profits — not headlines.

3

Divergence is normal; it is not a paradox once you understand discounting.

Related Terms

Apply This Knowledge

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