SA CEOs told nationalisation a possibility

by 4. August 2011 06:51

Risk analyst says mining companies dismiss the prospect of nationalisation at their peril.

(Bloomberg) The ruling party may institute some form of mine nationalisation, a step that could throttle investments in the world’s biggest producer of platinum and chrome, according to a confidential report prepared for mining executives by a risk analyst.

 A drive to seize mines, banks and land is being spearheaded by Julius Malema, 30, who won an uncontested second term as the leader of the youth league of the ruling African National Congress in June. The ANC in November instituted a study into the viability of nationalisation. The findings will be the “key political issue” in party leadership elections in December 2012, Claude Baissac, the Johannesburg-based founder of country- risk consultants Eunomix, wrote in the report.

 “The possibility of the ruling party voting for a major policy shift affecting security of tenure and ownership of the mines is now greater than at any point since the end of apartheid,” Baissac wrote in the report obtained by Bloomberg News. Mining companies “will now dismiss the prospect of nationalisation, whichever form it ultimately takes, at their peril.”

South Africa is the continent’s largest producer of gold, supplies European and Indian power plants with coal and depends on mining for half of exports. In April 2010, Citigroup valued the country’s mineral resources at $2.5 trillion, the most of any nation.

“It is only our policy conference that is going to bring some finality to the matter,” Jackson Mthembu, a spokesman for the ANC, said in an interview from Johannesburg on July 29.

“Studies are being conducted. We can’t therefore jump the gun.” Malema told reporters in Johannesburg on Sunday that the party is studying how to implement nationalization rather than whether to go ahead with the policy.

An ANC vote for nationalisation “would represent the crossing of the Rubicon for both the ANC and for the country,” Baissac wrote. Shares of companies “with a large exposure to South Africa would tumble. Foreign capital would rush out of the country, bringing an immediate collapse of the rand”.

On July 26 2002, shares of Anglo American (JSE:AGL) Plc, the biggest investor in South African mining, plunged as much as 12% after the Mines Ministry said it was considering a proposal that would require mines to be 51% black-owned. The rand declined as much as 1.9% against the dollar.

Popping a Aus housing bubble fantasy

by 22. July 2011 18:58

 

 

Christopher Joye
Published 6:25 AM, 6 Jul 2011 Last update 10:30 AM, 6 Jul 2011
 
Property Observer <http://www.propertyobserver.com.au/>

In one corner we have journalists at The Economist newspaper, who in a recent survey made the extraordinary claim that Australian house prices are overvalued by 55 per cent using their preferred benchmark. In the other corner we have a crowd of the most respected economic minds in Australia, including the Reserve Bank of Australia, the Commonwealth Treasury, almost all market economists, and leading house price index providers, such as RP Data and Rismark.

This latter cohort essentially contends that The Economist does not know what it is talking about. They argue that Australian house prices are not materially overvalued, and there is no reason to believe that they must suffer precipitous price falls in order to obtain some more desirable valuation benchmark.

This group has also produced vast reams of analysis showing that robust demand and supply-side fundamentals underpin Australian housing valuations while dwelling-price-to-income ratios remain unexceptional by international standards. In fact, recent research by Rismark has demonstrated that house price growth in Australia’s capital cities and our regional areas has not kept pace with disposable household income growth since the end of the last cycle in 2003.

It was only a few months ago in The Economist’s backyard, the city of London, that RBA governor Glenn Stevens was tossed a question about whether he was worried about Australian housing valuations. In the past
most notably in 2002 and 2003 the central bank has not hesitated to express reservations. Yet Stevens responded:

“Well, let’s establish a few facts… For the past year or two, house prices haven’t done anything much at all… We continue to see arrears rates on mortgages very low by global standards ...We don’t have a gearing up going on now… I don’t think we have huge rises going on... that’s probably not top of my list of worries…

“The other thing I’ll say is that it’s quite often quoted very high ratios of price to income for Australia, but if you get the broadest measures, a country-wide price and a country-wide measure of income, the ratio it about 4 ½ and it hasn’t moved much either way for 10 years. And that is higher than it used to be, but it’s actually not exceptional by a global standard as far as I can see.”

While the typically conservative RBA thinks Australia’s housing market is sitting pretty, The Economist’s survey suggests it is massively overvalued. In order to decipher who is right or wrong here, one has to dive into the detail.

The Economist arrives at its 56 per cent estimate by taking the ratio of median house prices to median rents, and then comparing current levels with their “long-run average”. There are many technical problems with this approach. One obvious issue is that we do not observe rents for more than two-thirds of the entire housing stock, which is ‘owner-occupied’. So The Economist is actually comparing the yields on rental properties with the prices of owner-occupied homes. Imputed owner-occupied rents are likely to be different to those deriving from investment properties given the far greater control rights associated with the former.

But this is a trivial error in the scheme of things. There is a much deeper problem with The Economist’s logic, which both the RBA and we here at Rismark have repeatedly highlighted. Let me explain.

Anyone can compare the current observed values of a range of economic indicators, such as interest rates or inflation, with their ‘long-term’ averages. But we need to ask ourselves whether this is an informative exercise, or potentially misleading.

For example, applying The Economist’s way of thinking to Australian interest rates would lead one to conclude that current rates are much too low. Indeed, the analysis implies that Australian government bonds are massively overvalued since today's 10-year yields of 5.5 per cent are more than a third lower than the 30-year average of 9 per cent.

Yet the body that sets interest rates
the RBA has repeatedly told us that present-day lending rates are, in fact, “a little higher” than their long-term averages. So what is going on?

As an alternative, let’s examine inflation. Today the RBA believes that the acceptable rate of consumer price inflation is around 2.5 per cent per annum. Yet the 30-year average rate is 4.2 per cent per annum. Does this mean that the RBA should substantially revise up its inflation target? Of course not.

These variables were not selected by chance. The truth is that the crux of this debate hinges on how inflation, interest rates, household debt, and house prices have varied over the last three decades.

In its survey, The Economist takes median house prices and median rents over the last circa 30 years
which is the longest horizon over which these data are publicly available and calculates a long-term ‘average’ ratio, which it assumes to be the ‘correct’ benchmark. It then compares current house prices and rents to this 30-year benchmark. If current ratios are above (below) this 30-year average, The Economist claims they are over- (under-) valued.

The Economist does not question whether the old housing ratios might be nonsensical to today’s home owners as a result of: (a) fundamental changes in the structure of the economy wrought by the fact that interest rates over the past 15 years have, on average, been 43 per cent lower than interest rates in the 15 years that preceded that period (see first chart below); (b) the fact that average inflation since the middle of the 1990s has been 55 per cent lower than inflation in the 15 years prior (see second chart); or (c) the fact that the rise of two-income households and the female participation rate in concert with a near halving in the nominal cost of debt might have triggered a once-off upward increase in household purchasing power, and hence housing valuations.

http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/28.47AA!OpenElement&FieldElemFormat=gif <http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/28.47AA!OpenElement&FieldElemFormat=gif> click the image to enlarge <http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/28.47AA!OpenElement&FieldElemFormat=gif>
http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/60.2EBE!OpenElement&FieldElemFormat=gif <http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/60.2EBE!OpenElement&FieldElemFormat=gif> click the image to enlarge <http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/60.2EBE!OpenElement&FieldElemFormat=gif>
Now we have tried to replicate The Economist’s analysis using the longest publicly available time-series of median houses prices and median rents in Australia, which one can purchase from the Real Estate Institute of Australia. This covers the period June 1982 through to December 2010.

If we adopt The Economist’s method, we conclude that the current ratio of median Australian house prices to median rents is about 38.7 per cent above its 28-year average. We do not know how The Economist gets its 56 per cent estimate, but ours is in the same general ballpark.
Interestingly, we can get a 56 per cent number if we look at inflation over this exact same period. Australia’s current inflation rate of 2.7 per cent would have to rise by 56 per cent to agree with its long-term average of 4.2 per cent since June 1982. But, of course, nobody in their right mind would claim that this makes any sense. It is just that The Economist uses this logic when it analyses housing.

One can undertake a similar exercise with interest rates. The headline mortgage rate today is 7.8 per cent. The average headline rate since June 1982 is 9.9 per cent. Does this then mean that Australian mortgage rates are currently way too low? Applying The Economist’s method, Aussie home loan rates should rise by 27 per cent in order to correspond with this historical benchmark.

As we mentioned earlier, imposing that logic on the Australian government bond market would imply that it is in the throes of an enormous bubble since yields are more than a third lower than their 30-year average.

To really understand what is going on here one needs to examine the time path of three economic variables: inflation; interest rates; and rental yields.

As you can see from the chart above, Australian inflation has steadily declined from its high and volatile double digit levels in the 1980s to sit within the RBA's 2 to 3 per cent per annum target band during most of the past two decades. This has allowed the central bank to in turn reduce interest rates.

In the RBA’s view, the long-term reduction in inflation has mainly been a function of the early 1990s recession and its adoption of what is known as an ‘inflation target’. The RBA’s 2 to 3 per cent target was first taken up in about 1993, and more formally enshrined in an agreement between the RBA and the Treasurer in 1996.

Between 1982 and 1995, mortgage rates in Australia averaged 12.8 per cent. Since the start of 1996, they have averaged 7.3 per cent (or 43 per cent less). The RBA considers today’s mortgage rate of 7.8 per cent to be slightly “above” its historical average because the RBA believes that the history that is relevant to today starts with the application of the inflation targeting approach to monetary policy in the early 1990s. Yet we don’t hear The Economist claiming that Australian mortgage rates are too low. (In fact, Australian mortgage rates are today amongst the highest in the developed world.)

The RBA has regularly argued that the structural decline in inflation, and the resultant downward shift in nominal interest rates, in turn drove a once-off upward shift in household’s borrowing (and purchasing) power. This has been reflected in the once-off jump in household debt levels, which basically occurred between 1996 and 2003. This marked rise in household borrowing power also boosted their purchasing power and hence the value of readily leveraged assets, such as houses.

In the following chart, we track the change in Australian mortgage rates and rental yields since 1982. The message is clear: the secular decline in nominal interest rates has propagated a corresponding fall in yields.

http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/92.4DBA!OpenElement&FieldElemFormat=gif <http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/92.4DBA!OpenElement&FieldElemFormat=gif> click the image to enlarge <http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/92.4DBA!OpenElement&FieldElemFormat=gif>
Our final chart tells the same story by comparing Australia’s dwelling price-to-disposable household income ratio (bottom line) with Australia’s rent-to-dwelling price ratio (top line) over the last two decades. Observe how these ratios look like mirror images of each other. The common driver has been inflation and interest rates.

The RBA believes that as interest rates started to stabilise at their new, much lower levels in the late 1990s, and households got comfortable with the idea that both rates and inflation were unlikely to jump back to the double digit levels of the 1980s, there was a consequential upward increase in the valuation 'level' of housing assets. This had been fully priced by the early 2000s, which is why the two ratios track sideways thereafter.

To be clear, the RBA's ability to get inflation under control (and thus cut the long-term level of nominal interest rates) caused increases in the household debt-to-income, household debt-to-GDP, house price-to-income, and house price-to-rent ratios. In the jargon, these were 'level effects' rather than 'growth effects'. This means that the very rapid double digit credit growth of the 1990s and early 2000s will not be repeated anytime soon.

http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/126.2A62!OpenElement&FieldElemFormat=gif <http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/126.2A62!OpenElement&FieldElemFormat=gif> click the image to enlarge <http://www.businessspectator.com.au/bs.nsf/0bd6ea4d7e0e401eca257300000473fc/73880cd2c8e548f9ca2578c400199230/bodyrich/126.2A62!OpenElement&FieldElemFormat=gif>
Unless you believe that we are going to get double digit inflation and 17 per cent mortgage rates, which most observers think are near impossibilities, the housing market benchmarks of the 1980s are irrelevant to home owners in the second decade of the 2000s. The same principle applies to The Economist’s analysis.

It would, of course, be wonderful if our ever-changing, multi-dimensional world could be judged by crude long-term ratios that blissfully ignore all sorts of key facts. Unfortunately, that's just a recipe for confusing further an issue that already has many confused.

Looking ahead, it is highly likely that Australian house prices will track household earnings in what PIMCO's Bill Gross has aptly described as the 'New Normal'.

This article first appeared Property Observer <http://www.propertyobserver.com.au/>  on July 5, 2011. Republished with permission.
 

 

 

Let’s talk property - South African property and how to evaluate the best investments?

by 5. May 2011 07:15

Scott Picken, IPS CEO will interview Dr Hannes Dreyer, the global leader in Wealth Creation. Retiring at 37 and living off his property portfolio, Dr Dreyer devised a successful strategy for analysing any property to ensure you can retire and have financial freedom as soon as possible. The most important component is his strategy works in a rising market as well as a falling market, something no one else in South Africa can prove and show their successful results.

What will be covered:

i.              What is happening with SA property market? Where is it going?

ii.             How to analysis a property investment?

iii.            How to calculate the risks and growth?

iv.           How to decide whether to sell property you have – which is not great property?

v.            How to find the best properties in South Africa?

96% of people in South Africa will retire poor and only 1% will retire financially free.

Do you want to join them?

Then this is not something you can afford to miss...

We won’t leave until all the questions are answered and you have the knowledge and your plan!

Let's talk property - Offshore Investment - Why and How?

by 5. May 2011 07:11

Dr Hannes Dreyer, the global leader in Wealth Creation, will interview Scott Picken, IPS CEO. Scott Picken has helped over 2000 people invest in international property to a value of R1.6 billion as is the leading expert in South Africa on Offshore Investment and International Property.

What will be covered:

i.              What is happening in global markets?

ii.             5 fundamental risks facing all South Africans

iii.            Why invest offshore?

iv.           Where? USA, UK, Aus, other markets?

v.            Risks and Growth

vi.           Analysis the investment?

Over 80% of people who invest overseas actually loose money for a number of reasons. Learn what you have to know to ensure you don’t join them and you achieve your goals of Wealth Preservation, a Plan B and most importantly Peace of Mind for your family and you.

We won’t leave until all the questions are answered and you have the knowledge and your plan!

·         Date: 24th May 2011

·         Time: 7pm – 8:30pm (SA time)

·         Price: R250 (first 100 & IPS Gold and Platinum Clients are free)

·         Click here to book - https://www2.gotomeeting.com/register/998941203

 

 

“How Risky is the Global Economy?” – Mohamed A. El-Erian

by 21. April 2011 14:45

“Three years after the global financial crisis, the global economy remains a confusing place – and for good reasons. Should we draw comfort from gradual healing in advanced countries and solid growth in emerging economies? Or should we seek refuge against high oil prices, geopolitical shocks in the Middle East, and continued nuclear uncertainties in Japan, the world’s third largest economy? Many are opting for the first, more reassuring view of the world. Having overcome the worst of the global financial crisis, including a high risk of a worldwide depression, they are heartened by a widely shared sense that composure, if not confidence, has been restored.

This global view is based on multispeed growth dynamics, with the healing and healthy segments of the global economy gradually pulling up the laggards. It is composed of highly profitable multinational companies, now investing and hiring workers; advanced economies’ rescued banks paying off their emergency bailout loans; the growing middle and upper classes in emerging economies buying more goods and services; a healthier private sector paying more taxes, thereby alleviating pressure on government budgets; and Germany, Europe’s economic power, reaping the fruit of years of economic restructuring.

Much, though not all, of the recent data support this global view. Indeed, the world has embarked on a path of gradual economic recovery, albeit uneven and far less vibrant than history would have suggested. If this path is maintained, the recovery will build momentum and broaden in both scope and impact.

But “if” is where the second, less rosy view of the world comes in – a view that worries about both lower growth and higher inflation. While the obstacles are not yet sufficiently serious to derail the ongoing recovery, only a fool would gloss over them. I can think of four major issues – ranked by immediacy and relevance to the well being of the global economy – that are looming larger in importance and becoming more threatening in character.

First, and foremost, the world as a whole has yet to deal fully with the economic consequences of unrest in the Middle East and the tragedies in Japan. While ongoing for weeks or months, these events have not yet produced their full disruptive impact on the global economy. It is not often that the world finds itself facing the stagflationary risk of lower demand and lower supply at the same time. And it is even more unusual to have two distinct developments leading to such an outcome. Yet such is the case today.

The Middle Eastern uprisings have pushed oil prices higher, eating up consumer purchasing power while raising input prices for many producers. At the same time, Japan’s trifecta of calamities – the massive earthquake, devastating tsunami, and paralyzing nuclear disaster – have gutted consumer confidence and disrupted cross-border production chains (especially in technology and car factories).

The second big global risk comes from Europe, where Germany’s strong performance is coinciding with a debt crisis on the European Union’s periphery. Last week, Portugal joined Greece and Ireland in seeking an official bailout to avoid a default that would undermine Europe’s banking system. In exchange for emergency loans, all three countries have embarked on massive austerity. Yet, despite the tremendous social pain, this approach will make no dent in their large and rising debt overhang.

Meanwhile, housing in the United States is weakening again – the third large global risk. Even though home prices have already fallen sharply, there has been no meaningful rebound. Indeed, in some areas, prices are again under downward pressure, which could worsen if mortgage finance becomes less readily available and more expensive, as is possible.  With housing being such a critical driver of consumer behavior, any further substantial fall in home prices will sap confidence and lower spending. It will also make relocating even more difficult for Americans in certain parts of the country, aggravating the long-term-unemployment problem.

Finally, there is the increasingly visible fiscal predicament in the US, the world’s largest economy – and the one that provides the “global public goods” that are so critical to the healthy functioning of the world economy. Having used fiscal spending aggressively to avoid a depression, the US must now commit to a credible medium-term path of fiscal consolidation. This will involve difficult choices, delicate execution, and uncertain outcomes for both the federal government and the US Federal Reserve.

The longer the US postpones the day of reckoning, the greater the risk to the dollar’s global standing as the world’s main reserve currency, and to the attractiveness of US government bonds as the true “risk-free” financial benchmark. The world has changed its supplier of global public goods in the past. The last time it happened, after World War II, an energized US replaced a devastated Britain. By contrast, there is no country today that is able and willing to step in should the US fail to get its act together.

These four risks are material and consequential, and each is growing in importance. Fortunately, none of them is yet transformational for the global economy, and together they do not yet constitute a disruptive critical mass. But this is not to say that the global economy is in a safe zone. On the contrary, it is caught in a duel between healing and disruptive influences, in which it can ill afford any further intensification of the latter.  Mohamed A. El-Erian is Chief Executive of PIMCO and author of When Markets Collide. This article is based on a lecture he gave at Princeton University’s Center for Economic Policy Studies.” – Project Syndicate, 18 April 2011  http://www.project-syndicate.org/commentary/maelerian2/English

IPS is looking for Professional Ladies who want to work from home! Great Earning opportunity!

by 24. January 2011 21:35

ARE YOU TIRED OF HAVING TO ASK YOUR HUSBAND FOR AN ALLOWANCE?

ARE YOU TIRED OF HAVING TO SHARE A JOINT ACCOUNT IN HIS NAME, OR HAVE TO SHARE A DEBIT CARD TO HIS ACCOUNT?

ARE YOU DRIVEN TO EARN YOUR OWN INCOME AGAIN, WHILE ENJOYING THE FREEDOM TO WATCH YOUR BABY GROW?

DO YOU MISS EARNING WHAT YOU USED TO NOW THAT YOU’RE AT HOME WITH YOUR LITTLE ONES?

DO YOU WANT TO EARN YOUR OWN OFFSHORE INCOME WHILE WORKING YOUR OWN HOURS – NO RIGOROUS OFFICE HOURS!

DO YOU WANT TO SECURE YOUR FAMILIES FUTURE?

DO YOU WANT OVERSEAS TRIPS?

 

DO YOU WANT TO HAVE YOUR CAKE, AND TO EAT IT – I.E. SPEND THE TIME YOU WANT WITH YOUR CHILDREN, AS AND WHEN YOU NEED IT; AND THEN STILL MEET YOUR CLIENTS AND DO BUSINESS AT CORPORATE EXEC LEVEL AROUND YOUR CHILDREN?

Are you a stay at home mum who desperately wants to spend the time needed to watch your babies grow, but you’re starting to miss the excitement and thrill of your old career?

Do you want to be able to earn from R16 000 to R200, 000 + pm, but with complete freedom as to your hours and place of work?!

IPS Australia” is looking for highly experienced and dynamic ex-Business Women/Executives for our Australian Division!

We’re looking for the “New Age Mums” – the ones who combine their maternal instinct and new life as a mother with their career experience and Business Exec ambition! The ones who excel at communicating with high nett worth individuals and who thrive on helping clients invest offshore with confidence! The ones who’d prefer to be a mum first and foremost, but without having to give up their previous earning standards entirely and who want to continue generating their own income - within their own command!

We have the solution for you!

All training will be provided by our Offshore Specialists, you’ll enter into the Team with an already distinguished brand, an exceptional After-Sales Team as your partners to take care of the Purchase Management Process with you and your clients, introductions are already generated and are handed to you, and the extraordinary demand for what we do naturally occurs in the ever increasing market!

You will already be completely internet and email savvy, and have your own set up from home – this is especially because you’ll be there for your little ones whenever you need to! Our boardroom and office facilities are, however, always ready for you should you wish to meet your clients in a business environment other than their own offices or meeting venues of their inclination...

You will have an exceptional level of business communication skills with very high nett worth Investors, and a keen sense of financial acumen – you are, of course, going to be assisting clients in preserving and enhancing their wealth! Your previous business experience in whatever field will naturally secure client trust in your ability and integrity as a consultant and representative in what we do.

We look forward to having you join our Team and assist us by representing how we offer discerning solutions for the discerning investors!  

Email: adele@ipsinvest.com to find out more about what we offer!

The demand is there - we just need the select few who will suit the position!

Australian home values slump in November as higher interest rates hurt housing affordability

by 24. January 2011 19:46
RP Data – Rismark Home Value Index Release (31 December 2010) Capital city (-0.2 per cent) and ‘rest of state’ (-0.1 per cent) home values both fell in seasonally-adjusted terms in November. In raw terms, the declines were larger (-0.6 per cent and -0.8 per cent, respectively). RP Data & Rismark expect further weakness in 2011 as rates rise. Drawing on more than 340,000 sales in the year-to-date, Australia’s leading measure of movements in the value of residential real estate, the patented RP Data-Rismark Hedonic Home Value Index, recorded falls in the month of November in both the capital city (-0.2 per cent) and ‘rest of state’ (-0.1 per cent) housing markets across all dwelling types. In raw terms, the declines were unsurprisingly larger (-0.6 per cent and -0.8 per cent, respectively) given the seasonal slowdown that occurs at this time of the year. In the capital cities, Australian home values are now lower than the levels they reached in March 2010. That is, there has been no capital growth since the end of the first. Similarly, in the ‘rest of state’ markets, which account for around 40 per cent of all homes by number, dwelling values are now below their January 2010 peak. The key drivers of the soft-landing in Australia’s housing market in 2010 has been the RBA and the banks, which have lifted the headline variable mortgage rate from 6.3 per cent in November 2009 to 7.8 per cent in November. RP Data’s director of research, Tim Lawless, observed that the decline in Australian home values had been reasonably modest, “Since their peak in May 2010, capital city home values have fallen by 1.0 per cent in raw terms. The rest of state areas peaked in April 2010, and have suffered a similar 0.9 per cent fall. In the broader scheme of things, these are fairly modest adjustments in value.” The soft-landing in Australia’s housing market has been evidenced in all capital cities and across each segment of the market. When RP Data-Rismark divide up their hedonic dwelling value index into ‘cheap’, ‘middle market’, and ‘expensive’ suburbs, they document a synchronous downturn in capital growth rates across all these areas. Christopher Joye, Rismark’s managing director, added "Since the middle of the year, we have had a somewhat bearish view on housing over the 2010-11 period as a function of our projections for interest rates. If for some unlikely reason the RBA does not raise rates further, we would expect to see national dwelling prices stabilise over 2011 and grind out capital gains in excess of headline inflation, which we anticipate will breach 3 per cent by the end of the year.” “Assuming, heroically, that there are no more increases in the cost of mortgage debt, we would forecast capital city dwelling price growth of 4-6 per cent in 2011. This is not, however, our base-case”, Mr Joye said. Joye continued, “We believe that there is a risk of at least three cash rate increases in 2011. In this event, our central case is that there will be little-to-no nominal dwelling price growth over 2011, with a chance of small nominal declines. This is no bad thing, and will only further improve asset-class valuations. Indeed, Rismark has recorded an improvement in Australia’s dwelling price-to-disposable household income ratio, which has fallen from a peak of 4.7 times to 4.4 times in the third quarter of 2010. We believe that the likelihood of substantial national house price falls is remote.” The under-performance in Perth and Brisbane has persisted in line with their higher repossession rates that came about care of the GFC. Over the three months to end November, Perth home values were down 3.0 per cent and Brisbane values were down 1.0 per cent in seasonally-adjusted terms. The best performing markets over the three months to end November have been Darwin (up 1.9 per cent), Canberra (up 1.2 per cent) and Melbourne (up 1.2 per cent). Financial markets are currently pricing in a further two 25 basis point RBA cash rate increases over 2011 while the economic community expects a more aggressive 3-4 rate hikes. According to Mr Lawless, the prospect of further rate hikes is likely to keep market conditions in the doldrums over the coming year, “The expectation of higher mortgage rates will be enough to keep a lid on capital gains across most parts of the country. Consumers have become very sensitive to interest rate adjustments to the extent that the nation seems to hold its breath on the first Tuesday of each month when the RBA’s decision is announced.” Christopher Joye added that the RBA had pioneered a new form of monetary policy, “The RBA has well and truly led the central banking world on the subject of asset prices. The RBA has recently adjusted the way it sets interest rates to take more explicit account of changes in asset prices, which, in principle, include shares, commercial property and residential housing. The RBA accelerated its rate hikes in 2009 and 2010 more rapidly than it would normally have done so in order to engineer a cooling in a housing market that it perceived to be growing at unsustainable rates. Other central banks, such as the Swedish Riksbank, are now following the RBA’s innovative lead.” “This expansion in the RBA’s policy remit is not, however, without considerable risks: it is always possible that this benign autocrat overplays its hand and lifts rates too far in response to non-inflationary events. Mistakes in this vein arguably occurred in the late 1980s, which led to a peak mortgage rate of 17 per cent in January 1990 and the recession ‘we had to have’. As a consequence, unemployment soared to around 11 per cent. The independence of central banks, and the RBA’s hard-won inflation-fighting credibility, are historically recent innovations. The non-democratically elected leaders of these institutions would, therefore, be wise to exercise their considerable powers with the utmost humility and care”, Mr Joye cautioned.

South Africa - Keeping a wide view on the Rand after all

by 24. January 2011 19:40

 

By Cees Bruggemans, Chief Economist FNB                                     Cees@fnb.co.za

17 January 2011

Traditionally I have kept a wide (200 cent) view on the Rand’s one-year trading range (because that’s the kind of movement history has regularly shown) and an open mind on the outcome of crises. This past week both these traditions converged with a vengeance.

 

Barely had I opened the 2011 innings with the suggestion of a 100 cent Rand band (6-7:$ and 8-9:€) or events started steadily marching the other way.

 

Just goes to show that where currency volatility is concerned one should always think WIDE even if it makes planning and position-taking difficult if not impossible.

 

After having seen 6.55:$ in December, this morning the Rand is nearer 6.90:$. More significantly, after having seen 8.70:€ the Rand today is nearer 9.25:€.

 

Commodity currencies have experienced some setbacks, Aussie understandably following the floods and damage, but focus remains on China where last week they raised bank reserve requirements once again (after doing so six times last year), and where the next interest rate increase is apparently on the table.

 

Good Chinese growth data are expected shortly, and inflation will probably be higher than wanted this year. The growth performance should guide commodity prices, but if policy is tightened it may have the bigger sway.

 

One also notes the growing awareness of rising emerging market inflation potential, making their bonds less of a buy, something we have seen already for some months now.

 

So despite the liquidity engines in the US and Japan working overtime, other forces could be tempering their influence, inviting Rand pullbacks.

 

In the case of the Rand/Euro, this past week saw a lot more Euro-positive movement and the Rand weakening.

                     ---------------------

Europe’s political machinery is moving glacially in agreeing further institutional innovations, mostly reactive to crises rather than proactive to prevent them.

 

There are rumours about an eventual increase in the size of the peripheral lifeboat, finally able to receive more candidates (Portugal still seen as certain and rumours remaining about Spain and others).

 

There is talk of the lifeboat being allowed to buy peripheral debt in secondary markets. Such purchases of distressed debt at advantageous prices would be to the benefit of peripheral countries, while taking over the ECB role of addressing perceived mispricing.

 

There is talk of the lifeboat also being allowed to undertake capital injections (recapitalization) of banks (starting this overdue process, weaning such banks off ECB dependence, thereby also less overburdening the ECB).

 

And the price of lifeboat credit remains a debating point, with the current 300 points over Bunds considered too high (according to some, though not all, commentators for it supposedly still disallows Club Med sustainability).

 

This, though, will be the hardest nut to crack for it will decide the real level of Germanic subsidy transfers to Romanic peripherals.

 

Something far less strenuous than 300 points (but still risk-related) is apparently being aired, such as say 100 points over Bunds. This would allow Club Med sustainability, provided ironclad agreements are in place about Club Med fiscal austerity being sustained, and would not be ‘excessive’ favours demanded of Germanic taxpayers (or so say those who won’t be paying this subsidy).

 

Though only crisis stations seem to get European politicians to move on all these fronts, what is important is that it eventually happens. Though there remains a lot of noise in the ether, hints suggests there is movement on most of these fronts.

 

As in 2007-2008 in the US, one is reminded of Paul Gallico’s plot in “The Poseidon Adventure” where the few surviving desperadoes slowly, experimentally grope their way towards freedom and redemption, though never again being the same for having participated in the adventure.

 

Markets certainly have taken heart this past week, with good support for Portuguese and Spanish debt auctions. Together with speculation about coming lifeboat enhancements it put markets in the mood to lower the Club Med spreads over Bunds, in some case impressively so.

 

If that wasn’t enough, ECB President Trichet then saw the opportunity of sounding confident and hawkish, signaling that European headline inflation of 2.2% in December was outside the ECB target range. If this were to persist (note the qualification) he wouldn’t hesitate to start raising interest rates, and considered this entirely doable while continuing with providing liquidity support and where necessary buy debt assets.

 

It was enough for the market to look at the Euro with different eyes, both structurally and cyclically.

 

The worst might not after all happen and has been over-discounted in too many minds (though not shown up to the same extent in surveys) and the inflation bogey (commodity-led, as in so many other countries) has resurfaced, potentially changing the playing field.

 

As the Fed patently isn’t swayed by similar sentiments (it sees US resource slack keeping US core inflation nearer 0.5% for some time and considers the US recovery not advanced enough to worry about anything else), the Fed is likely to stick to its current stance of zero interest rates (potentially through 2012) and finishing QE2 (with presumably still an open mind as to what happens after mid-2011, though US growth momentum is showing encouraging firmness now, arguing against further actions, as many observers already convincingly do).

 

Thus we have another Macro Theme change. It is true that Trichet has already since 3Q2010 been speculating about an eventual change in ECB policy stance, but one always wonders in their case (this being Europe) to what extent that represents playing the political gallery, trying to gain leverage.

 

But this time the excuse (2.2% inflation) seems real, if European inflation really continues elevated. One cannot but note, though, that the comments came in a week when markets were taking heart about debt actions, and these ECB comments helped to boost the Euro at an important psychological moment.

 

For a minimal outlay (a few words spoken and eyebrows raised), market confidence was crucially reinforced, and the ability to keep the faith (in the Euro) strengthened.

 

One should not underestimate the ECB on this score.

                 --------------------------

The effect on us was electrifying, though, with our exporters in a very short space seeing the Rand back at 9.25:€ after that sinking feeling in December when 8:€ seemed to be coming into view shortly in the New Year.

 

These global tendencies had a still wider impact. Although gold had a few times breached $1400 in recent months, and platinum even re-conquered $1800, events of the past week reduced the near-term risk of global mayhem and did we see gold pull back (again).

 

Have we witnessed the reaching of the high water mark?

 

Certainly the short-term US prospects are for steady consolidation with the Fed in support (though longer term there remain many questions about US fiscal behaviour).

 

Chinese prospects aren’t necessarily unhealthy (high growth continuing) even as that country keeps tweaking its policy stance firmer (though also longer-term one may question its choice of policy preferences).

 

Emerging market space generally has kept policies accommodating while recovering from global recession, but with output gaps closed or closing fast, and commodity price surges further reinforcing inflation potential, a number of emerging countries may have to ‘normalise’ their interest rates a little faster this year.

 

But none of this is expected to derail the global boat. And though some people will keep muttering, the real risk of 2011 never resided in any of these, even if markets will adjust relative prices between regions.

 

The real risk of 2011 was perceived as Europe, and it only took the second week of the New Year to already gain some new Dutch courage as rumours swirled, politicians looked busy, sense seemed to prevail in the end (doesn’t it always in modern times?) and Trichet judged the moment opportune for a rapid beating of the drums, giving a ‘heads-up’ on the Euro. Not an ‘all clear’, mind you, but certainly a sliver of blue on the horizon of an otherwise still threatening leaden sky.

 

This tremor may be an important psychological change. In the Anglo-Saxon crisis we went through something similar in early 2009. No clear sailing thereafter, with double-dip questioning and other horrors still regularly trotted out, but in retrospect proving to be entering quieter sailing waters than 2007-2008 had been.

 

Despite momentous European actions still needed to be taken shortly on sovereign debt and Eurozone governance and its banks more thoroughly cleaned out over the coming year, at least the ship seems to be less pointed at a rocky coastline in stormy conditions and more towards open sea where it can weather things more comfortably.

 

On all these scores there could still be disappointment, causing sentiment to swerve unpredictably once again. But one senses, as in late 2008 in the US, that there seems to be movement in the right direction. And this counts.

                 -----------------------

What’s in it for us?

 

Global growth should continue more robust than some fear, with 5% mentioned by various sources. Our exports should continue to participate in that with our own shortcomings determining how much of a benefit we can garner here.

 

The fortunes of commodity prices may differ significantly with energy and agricultural prices in steep ascendancy. Precious metal prices may have less reason to expect further major gains, though the world remains fickle in its risk views, with longer trends yet to fully show.

 

For instance, has the last word been spoken about US monetary and financial conditions? Similarly, is the new Europe taking shape really viable? And will China still surprise us by losing its way?

 

Not in the short term, but on a longer leash?

 

There remain forces favouring Rand firming (US and Japanese liquidity especially), but others (Chinese actions, European comeback) may argue against this. Worldwide, bonds may be less supported (overvalued?) while equities may be doing more of the running.

 

That need not take the full shine off us, though the composition of forces may be changing. As bottom line this warrants the traditional wide (200 cent) view of the Rand rather than a narrow channel, as events can push our currency around at remarkable speed and in wide swings.

 

So I am back at 6-8:$ and 8-10:€ and want to see what next Macro Theme change the world wants to come up with, for good or bad.

 

On balance I remain positive global recovery, with the US proceeding steadily for now, Asia and associated emerging markets tweaking policy firmer and Europe regaining a better footing (though its play out will take years).

 

This may allow somewhat less unhealthy Rand overvaluation, but also allow less compensation for commodity inflation surges. What we gain through a better growth balance we may have to trade-off with a lesser inflation balance.

 

So for us these global changes may imply (still modest?) changes in composition. For now.

 

But the world is proceeding at a furious pace so be ready to modify our course shortly once again.

 

Cees Bruggemans

Chief Economist FNB

Cees@fnb.co.za

 

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South Africa - Inflation Titans marshalling 2011 forces

by 24. January 2011 19:38

 

By Cees Bruggemans, Chief Economist FNB                                    Cees@fnb.co.za

17 January 2011

Having dipped as low as 3.2%, CPI inflation has already been rising for two months back to 3.6%, with forecasts of 4.5% this year and 5.5% next year.

 

This, though, is a ‘risk-free’ scenario, discounting some base effects boosting inflation higher in 2011, and assuming a ‘neutral’ Rand above 7:$ and 9:€, mostly ‘benign’ food inflation as good harvests have created protective buffer stocks (and the summer rains being most promising for continuing repeats, dam levels gratifyingly high, despite damage incurred), public charging continuing as tax source of last resort but baked into the cake, and labour pricing itself modestly out of real jobs (with job losses and productivity gains the usual shock absorbers, preventing unit labour costs from rising excessively).

 

Right, but what if?

 

What if labour keeps confusing nominal with real demands? Will society keep polarising between fewer survivors in formal employment, unionised and non-unionised, with the remainder forced into state subsistence?  

 

Are these going to be the Three Pillars (thinking Chinese new-speak thought) of our New Society?

 

This fearful prospect provides its own answer in ongoing job losses and greater productivity gains, technology assisted (especially in labour-intensive services), with the state (meaning taxpayers) employer of last resort and welfare support.

 

Then also, we keep on humming about the ‘developmental’ state we are supposedly creating, but reality seems to be coming close to turning us into a ‘parasitical’ state, its sustainability a source of wonder for those so engaged.

 

What else should we really be concerned about when it comes to inflation prospects?

 

Globally, there are two candidates.

 

Firstly, negative output gaps turning positive in many emerging markets (high resource slack increasingly making way for overheating cost-push shortages).

 

Secondly, commodity price explosions (primarily agriculture, secondarily energy and some metals, and lastly industrial intermediate prices).

 

Some emerging markets and commodity producers have had a good recession and/or recovery, cyclically closing their output gaps, modestly boosting inflation prospects.

 

This is far from being a global phenomenon yet, thinking US, Europe and Japan, but also industrial China. Still, in some regions this already features and leads the global inflation cycle this decade.

 

Greater concern focuses on commodities. Intermediate industrial goods prices may not be a major source of new inflationary pressure soon due to much slack, but energy (oil), some metals (copper) and especially agricultural commodities are another matter.

 

Especially so where the new resource nationalism is most developed, whether rationing oil supply, rare metals or putting bans on agriculture exports due to poor harvests and resulting low inventory buffers. It reminds of overheated cyclical endgames in 2007-2008.

 

Endgames? But the new cycle is barely 18 months old? A cyclical endgame should take years to develop?

 

Tell it to the new global nationalists. Time was that freewheeling business titans gave young capitalism a bad name, but that’s 140 years ago. Today’s rapacious state monopolists are as good in squeezing global consumers for what they are worth.

 

High Asian demand growth driven by its explosive middle class expansion and constrained global supply conditions in many commodities are simply triggering old-fashioned price rationing.

 

Only Mother Nature could short-circuit this by deluging us with serial record harvests overfilling global buffers, but so far no sign, though ‘backwardation’ is noted (some forward prices lower than spot as future demand/supply looks better).

 

During 2H2010 agricultural price increases were already explosive, and more may be seen in 2011, steeply boosting inflation prospects in especially poorer country importers with high food components in inflation baskets.

 

South Africa, as food exporter, non-interventionist, great buffers and good seasonal rains may be saved from the worst initial stirrings here. But for how long?

 

Remember, our previous inflation upswing in 2006 also had major oil and food ingredients.

 

Oil has seen $70 but is now flirting with $100, while global food prices are sending warning signals of a violently turning tide.

 

Our GDP growth may remain modest near 3%-3.5%, held back by underperformance in state and private fixed investment, assisted by sector-specific constraints (electricity, credit, Rand). So our still large output gap and its anti-inflation effect may not disappear soon.

 

In contrast, the commodity universe could provide us again with early inflation boosts. Industrial goods prices and agricultural commodities may not be early harbingers (hopefully), but energy probably will be.

 

This leaves one other buffer, the overvalued Rand, preventing commodity shocks from spilling into inflation.

 

The unnerving requirement here is for the Rand to keep firming to match newly reviving commodity prices. Being already substantially overvalued through 2010, one wonders how much of a safety valve this could still be.

 

Though Rand firming proceeded smartly in December, January has so far provided a pullback towards 6.90:$ and 9.20:€. Will such pullbacks set a new course to even lower levels, or will renewed firming materialize, keeping commodity price impulses contained?

 

The cycle is young, the world willing and our Rand probably unable to keep this werewolf from the door forever, like repeats of 2005-2008. Eventually our inflation could also break higher.  

 

Cees Bruggemans

Chief Economist FNB

Cees@fnb.co.za

 

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South Africa - The 2010s Decade

by 24. January 2011 19:36

 

By Cees Bruggemans, Chief Economist FNB                                     Cees@fnb.co.za

17 January 2011

With the economy entering a new growth cycle from October 2009, how much of an expansion can we expect this decade in terms of amplitude and durability?

 

What will boost growth, restrain it and ultimately cut it short? And how will this play by sector/industry?

 

Our population growth has dwindled to less than 0.5% annually, though African migration remains potentially a source for tapping major labour reservoirs.

 

The likely expansion of the economy’s output, however, will be more determined by the increase in the formally employable labour force, the pace of fixed investment and productivity gains. That’s an output view.

 

Equally important will be the income and spending drivers, business risk-taking and government locomotive roles in making things happen (or not happen ………).

               ----------------------------

These past 90 years, the South African economy has averaged 3.5% growth annually. Will this also be the norm for the 2010s, and if so, will we just meet it, underperform or outperform it?

 

In order to underperform the long-term growth norm for a full decade, our headwinds must be particularly bad.

 

Tail risks (high-risk low-probability events) that could jointly or severally cause such underperformance include:

  • another overseas crisis causing global recession and falloff in our exports. Chances this decade: ?
  • major drought (or several years of drought) severely hurting agricultural and associate output. Chances this decade: not minor (after two decades of rain)
  • major epidemic (flu?): Chances ?
  • political strains causing loss of confidence and consequent falloff in investment: Chances ?
  • policy stances turning out to be costly mistakes. Chances: not minor (with our history?)

 

A naturally pessimistic frame of mind can find many reasons as to why our brief and fragile revival so far could be cruelly cut short, and yielding underperformance in the 0%-1% GDP growth range (our lot in the 1980s for mainly political reasons and the bad policy choices made as a consequence).

 

I fully acknowledge such potential, but term it tail risk as I don’t feel confident that the likelihood thereof is high. Yet we have experienced all such things at some point or another in the past 100 years, sometimes severely, and there exist excellent reasons to fear future repeats. So go cautiously.

 

Even so, the underlying growth reality appears more stable and promising (though not all will see it this way, nor should we be blind to global cyclical conditions capable of cutting short our expansions, just as much as that they can prolong them).

                -----------------------

Overperformance requires an absence of constraints and an exuberance overcoming many internal shortcomings.

 

We have shown before that we are capable of such exuberance and growth outperformance, especially late in long cyclical expansions, such as in the 1960s (growth outperforming at over 5% annually, if for less than five years) and again for four years (2004-2007) during the past decade.

 

But these spurts of outperformance have been few and far between, once every generation at most, hinting at exceptionally lucky convergence of favourable conditions? This has never really happened for a full decade during our post-industrial maturity.

 

For that kind of outperformance you need to go back to our modern industrial take-off in the closing decades of the 19th century (1870-1900), during our gold mining rushes and the start of our major urbanization and industralisation drives, for which GDP estimates don’t exist (but going by folklore these were WILD times).

 

So without trying too hard, for the immediate future one falls back on the long-term growth average of 3.5% this past century, which has been our average for a reason.

 

Our path dependence (resource economy, migrant society, turgid politics) created an institutional fabric which may be more resilient than the daily news flow may suggest, but which also has its shortcomings. That fabric has its own rules and its own performance yardsticks.

                ----------------------

There are three very good reasons why we may have another decade-long expansion, potentially getting us to 2020 in one piece. A lot of luck (timing, position) is involved in having shaped present conditions at this juncture (so don’t blame any hard work by anyone just as yet).

 

Firstly, there is Asiatic catch-up growth, with Latino, Aussie and other commodity producers in tow. Three-quarters of the world’s 7bn population is poor, impatient and willing to exert itself using rules proven elsewhere.

 

This is firing 10% growth in countries like China and shortly India (potentially for decades) and keeps the emerging half of world GDP growing at over 6%, as its middle classes, cities and industrial capacities are forcefully expanded from very humble beginnings.

 

In the process, much demand for our exports is created and export prices are kept high, for decades (not just this coming one).

 

Secondly, the rich half of the world has incurred bad financial crises only very recently, and is still struggling with their protracted aftermath.

 

US labour market conditions show massive deviations from potential which may take the entire decade normalizing.

 

Europe is also going through public and private debt adjustments that may take a decade to be completed.

 

Japan continues to struggle with deflation already active for two decades and giving little sign of abating.

 

These respective struggles are important for us, as for the duration there is much anxiety and policy support (feeding precious metal prices and boosting our export prices as much as the Asian growth story does).

 

But these struggles also create oversupply (US labour), maintains minimal global inflation, keeps interest rates low for years while inviting additional policy stimulus (fiscal and QE), between them causing global capital flows to seek higher returns elsewhere.

 

Such incoming capital dissolves our balance of payments constraint (except in short episodes of extreme risk aversion), keeps our currency strong and overvalued, suppresses inflation, boosts asset markets and skews growth towards domestic sources (also because we now have low interest rates).

 

And if these two decade-long global drivers aren’t enough, our own domestic configuration (with much current resource slack) can also sustain ‘moderate’ (average) growth for many years (potentially even a decade counting from 2010) without creating major bottlenecks (though watch out for balance of payment deficits, electricity and professional skill shortages).

 

Our fixed investment ratio relative to GDP has been lifted above 20% of GDP and can probably be maintained, if healthy support can be sustained from the public sector.

 

The labour force is so constituted that out of a 50 million population and 22 million labour force about 9 million formally employed workers are responsible for generating 90% of GDP.

 

The recent recession and ongoing annual crop of new labour cohorts has created a pool of over one million matriculants and graduates available for work.

 

In addition, we deliver annually nearly 400 000 new graduates and matriculants, of which at most 100 000 are needed to replace retirees. Thus quite a pool of new labour exists this decade to support a modest GDP growth rate, in addition to which there is still the contribution from less skilled labour more informally deployed or in time also absorbable by the formal sector as presently constituted.

 

As to WHY the economy then grows relatively modestly in the presence of 20% capital formation and such copious labour supply, there are many factors holding us back.

 

One factor is the rule-makers, their presence and actions potentially creating many diverse obstacles to less inhibited risk-taking, labour absorption, income growth, spending and output expansion.

 

Other growth constraining factors are more sector-specific, such as electricity availability, the more constrained credit culture, and the overvalued Rand.

 

Ours is a noisy society. That can be fruitful, but our modern mature make-up doesn’t support 10% growth. It is a 3%-4% engine, at best (and it has bad hair days, too ……).

                     --------------------

Despite these three long-term drivers potentially sustaining modest growth for a decade, are there features other than excessive tail risks that can cut us short?

 

Yes, the obvious one also in play five years ago is inflation, specifically commodity driven, originating in the global growth drive overwhelming global supply abilities (and triggering nationalistic constraints).

 

We see this mainly in oil and food. As and when these commodity prices become too lively, our inflation rate tends to rise, triggering second-round effects in a growing economy. Countering such tendencies, we find SARB raising interest rates, potentially sufficiently so to snuff out the upswing.

                   -------------------------

Thus the main outlook is for a decade-long 3%-4% growth expansion, initially slow but eventually stronger, with growing risk of getting caught and brought low by new commodity price surges and SARB interest rate increases, with in the background massive tail risk potential ignored at one’s peril.

                  -------------------------

The make-up of our cyclical upswings, especially after a recession shock, tends to be consumption-led, with fixed investment only gradually coming back on stream as resource utilization, business confidence and balance sheets improve.

 

Thus the experience of the past 18 months is nothing new, and can be projected further out into the decade.

                  -------------------------

The lead sector is household consumption durables, especially where pent-up demand has been created due to long delays in replacement cycles.

 

The car industry is well into recovery, with a 25% gain in 2010. Its gains will become less massive in the 10%-15% range through 2012 as the replacement cycle keeps normalising. By mid-decade, this industry should be expanding in line with urban and formal employment gains in the 2%-5% range.

 

Household appliances, furniture and communication equipment also incurred delayed replacement and their pent-up demand should similarly allow 5%-10% growth rates through mid-decade, and half that thereafter.

 

Household consumption semi-durables (clothing, footwear) have benefited from low import prices, income growth and redistribution via social allowances, also benefiting from lifestyle emphasis. Growth of 5%-10%.

 

Non-durable goods (food, drink, everyday necessities) benefit from income growth, and especially base-spreading effects through employment gains and more people receiving social grants. Real household income gains of 3%-4% should ensure similar growth in this sector.

                  ----------------------

In contrast, fixed investment shows a much more complex expansion story.

 

During the 2009 recession, private fixed investment fell off by 15% peak-to-trough, with machinery and equipment falling off by a third, stabilizing at these levels in 2010. Though 2011 will probably still be slow, resource improvement thereafter should see a gradual revival in these spending categories, cycle-bound, in 5%-10% territory post-2012.

 

Private residential building activity has gone through a slump, but has probably bottomed at low levels.

 

Its recovery should have been fast, going by previous upswings, given the interest rate declines (prime dropping by 6.5% from 15.5% to 9%) during 2009-2010.

 

Yet this time could be different, with the overseas housing crises, the National Credit Act and the high household indebtedness making access to credit more selective, maintaining for longer an oversupply of living space and limiting house price gains, favouring renting over buying, possibly for some years through mid-decade.

 

Residential building activity may therefore face a long recovery cycle, if at much slower growth gains than in previous cyclical upswings. Real growth of 2%-3% from later this year looks feasible.

 

Non-residential building activity traditionally lags residential activity, may only bottom out next year, but should be back in modest recovery mode after 2012.

 

Public infrastructure investment has seen a major build-up in base load activity during 2004-2008, as there was bunching of electricity, railway, roads, airports and sport stadia mega-projects.

 

Some of these activities have come to an end, but the infrastructure needs in other areas (electricity, roads, water, municipal) remains massive.

 

Contract flow, however, has slowed and appears to be a function of state capacity. Activity may eventually stabilize and start growing again, hopefully from 2012 if the state could find a new urgency to get contract awards flowing faster again.

 

For now it seems unlikely that the cracking pace of pre-World Cup days will be achieved any time soon, even if infrastructure maintenance, replacement and expansion needs are gigantic, and engineering contractors never give up hope of this ship turning eventually.

 

Export volumes continue to expand only very slowly, with cars a leading growth sector. Mining should be a star performer and has come back from recession lows, but is yet to show signs of matching the rapid expansions observable elsewhere in the world. Legal issues keep dogging the industry, with infrastructure capacity (especially electricity, rail transport, harbours) also a drawback, keeping new investment relatively subdued.  

 

Retail, manufacturing, transport and communication look set for 4%-6% growth rates this year and next.

 

Government will likely remain an important absorber of labour, supporting household income flows.

                    --------------------

In sum, the outlook henceforth is for steady, if modest, output gains in most domestic sectors.

 

The main weaknesses initially can be observed in the building and construction sectors (relative to potential) with mining also struggling to make most of the global opportunities on offer.

 

Spending-wise, it is fixed investment and net exports where the growth shoe pinches most, probably still for some years, holding back the overall economic performance to modest growth.

 

Cees Bruggemans

Chief Economist FNB

Cees@fnb.co.za

 

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IPSInvest Blog

Scott Picken, CEO of International Property Solutions (IPS) believes a paradigm shift is occurring: 10 years ago, people would only invest in property in their own neighbourhood. Now, investors are starting to seek the best investments globally. IPS was created 7 years ago to facilitate international investments and provide an end-to-end solution to ensure that investors can invest with confidence!

About the author

Scott Picken

I am the CEO and Founder of IPS and was born in South Africa. I undertook my first construction project at the age of 13, my first development project at 19 and bought my first property at 22, which we later converted into 6 townhouses. I have an Honours Degree in Construction Management (Cum Laude) and a Masters Degree in Construction IT (Cum Laude). As an International Investor who is passionate about property, I created IPS to facilitate global property investment. Everything is based on Zig Ziglars saying, "If you help enough other people get what they want, you can have anything you want!" Based in London for 9 years and now living in JHB, we have created an international business helping over 2000 investors Invest Internationally with Confidence!

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