Monday, 6 October 2014

The euro is a broken currency and possibly beyond repair



The euro’s survival hangs in the balance as worries about weakening fundamentals that have dogged private sector investors since the onset of the global financial crisis are now spreading to reserve managers at official sovereign institutions.

The European Central Bank is hardly helping matters. Repeated policy failure has seen the bets stack up that the euro will fall to re-test parity with the US dollar in the near future.

The risk is that the combination of weak euro fundamentals and the dollar’s correction from its massively oversold position could take the rate a lot lower.

Dollar bulls are on a stampede and the euro/dollar exchange rate could easily get trampled down to 2000’s US$0.8228 low. Historical precedents do not end there.

Back in the 1980s, when the dollar was at the peak of its super-strong cycle, the ‘synthetic’ euro was low as US$0.5698. That implies a halving in value for the euro in a worst case scenario.

Right now, the fundamentals are clearly stacking up against the euro – relative growth, inflation, interest rate and bond yield differentials all undermine confidence in the currency.

The euro zone is being sucked into a downward spiral of recession, deflation and deeper debt. A third recession in less than five years seems on the cards. Headline inflation has sunk to 0.3 per cent - a whisker away from negative territory. Employment prospects remain grim. The euro zone jobless rate is stuck near to its 12 per cent record high.

By comparison, the US is notching up 4 per cent-plus growth, inflation is almost back to the Federal Reserve’s 2 per cent target and new hiring is surging. The juxtaposition of US unemployment sinking to a six year low of 5.9 per cent in the October employment report is not lost on the markets. The dollar surged 1-1/4 per cent against the euro in the wake of Friday’s US payrolls report.

Diverging interest rate and bond yield differences could pile a lot more misery on the euro in the coming months.

While the euro zone could be stuck with negative interest rates for years, the Fed is preparing the markets for rate hikes. The job of ‘normalising’ Fed monetary policy could easily take US official rates back to 3-4 per cent in the next two years.

With 10-year US Treasuries now yielding 150 basis points over euro zone government bonds, it lessens the euro’s appeal even further.

Euro zone policymakers are in disarray. They are hitting the panic button on fiscal and monetary stimulus in a last ditch attempt to bolster growth and jobs – and rescue monetary union in the process. But by doing so, they founding policy icons of currency union are being systematically pulled down. Markets are not impressed by what they see.

Fiscal consolidation has been put on the back burner. France has abandoned any attempt to reel in its budget deficit. Other countries look set to follow. Deficits and government debt across the euro zone look set to mushroom.

The weakest link is the ECB. Markets now see it as a lame-duck policymaker. The delay in launching full-blown QE was largely because of opposition from Germany’s Bundesbank.  The rift does not impress the markets. 

Data shows that speculative positions are starting to build against the euro. Investors are switching from US dollars to the euro as the best funding currency to finance carry trades in emerging markets – especially with ECB rates set at zero for quite some time.

But the bigger risk is that central banks are losing faith in the euro as a reserve asset. International Monetary Fund data shows that since the financial crisis the euro’s share of global central bank reserves has slipped to 24 per cent from a peak of 28 per cent. 


If reserve managers abandon the euro, the outflow could quickly turn into a tidal wave. In that scenario, the target of parity for the euro against the dollar would get very quickly submerged.

Reprinted courtesy of South China Morning Post

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