Thursday, March 12, 2015

Investing in the Euro: Pros and Cons

2:15 PM Posted by Unknown , , , No comments

The euro has been plunging for a variety of reasons recently. They include:
·         A left wing Syriza party win in recent Greek elections
·         Continued British pound and U.S. dollar strength
·         The Swiss National Bankscrapping the franc 1.20-to-euro currency peg
·         The European Central Bank (ECB) announcing a 1.14 trillion euroquantitative easing (QE) program

CLIMBING THE BULLET POINT LADDER

That last reason is a big one and will involve the purchase of bonds fromeurozone member states. The QE program will remain in effect through September 2016 and its goal is to help fuel inflation to 2%.
The third point on the list above likely happened because the Swiss somehow knew that the ECB's QE announcement was coming. The Swiss had no interest in its francs being tied to a euro that would surely plunge as a result of that announcement. The Swiss pegged its franc to the euro in 2011 in order to improve exports and services performance. But it likely doesn’t see the euro as sustainable and wants the franc to remain one of the safest currencies in the world. On the negative side, the appreciation of Swiss francs will hurt Swiss businesses. But Swiss authorities have promised that it won’t have a devastating effect and that it’s the best move for the country over the long haul.
The second point on the list simply relates to relevance.
The first point is a potentially frightening one for Europe. Alexis Tsipras is the leader of the Syriza party and he’s sick of austerity. This could increase the risk of bankruptcy. It’s easy for a new party to come into power when a nation is dealing with an unemployment rate of 25.8%, increased taxes, reduced wages for those who are employed and public spending cuts. Unfortunately, despite the steep pain, these people don’t realize that they were likely on the correct and responsible path. What’s done is done. And from an investing perspective it’s not likely to be a net positive for the euro.

RECENT NUMBERS

Eurozone unemployment came in at 11.4% in December, which is slightly lower than the 11.5% reported in November. This is a broad number. Consider these divergences for unemployment rates in the eurozone:
·         Greece 25.8%
·         Spain 23.7%
·         Germany 4.8%
Nevertheless, the eurozone recently reported record deflation. In January prices declined 0.6% year over year compared to a 0.2% decline in December. Energy prices have had a huge impact, but if you subtract food and energy from the equation prices increased 0.5% in January. That might sound like a positive but the increase was a higher 0.7% in December.
So, what happens now? The word on the street, which is not always correct, is that the euro will eventually fall to parity with the U.S. dollar.
THE BOTTOM LINE 
Some investors are taking positions in the euro due to low prices. Low prices, however, doesn't always indicate a bargain. While it’s possible that the value of the euro may increase, there are too many head winds for the currency at the moment. Most importantly, there is no significant growth catalyst that will lead to sustainable growth for the euro. Currency values change quickly and this isn’t an investment to dive into if you’re a beginner.

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