Where to now for the pound?

By Dominic Frisby Jun 24, 2010

Dominic Frisby

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The pound seemed to like George Osborne's emergency Budget. On Tuesday morning it was standing at $1.47. By mid-afternoon yesterday, it was above $1.49.

The surprise news that one of the nine members of the Bank of England's interest rate-setting committee had voted for a quarter-point rate rise last month helped, of course.

But the fact is, the pound has been rallying since mid-May. That's when news started to leak about the government's austerity plans.

So is the bear market in the pound now over? Or is this yet another case of buy the rumour and sell the news? Let's have a look…

The pound seems to like the Tories

The pound did not like Gordon Brown as Prime Minister. When he came to power, a pound would buy you around $2. By 10 May, when he finally agreed to step down, it was below $1.50. British purchasing power had fallen by 25% during his time at the top.

The pound does, however, seem to like the Tories.

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In the summer of 2009, the Tories were leading in the polls. Their share of the vote ranged between 40% and 45%. Despite all our debt problems, the pound was quite firm above $1.60.

However, come November, the Tories' popularity began to wobble – and the pound with it. In January-February of this year, their share of the vote slid below 40%. It became apparent that a hung parliament was not only a possibility, but a probability. The forex markets did not like that at all. The pound's slide began to accelerate.

On 6-7 May, stock markets were falling fast and we had a hung parliament. Remember those uncertain days? Unsurprisingly, the pound continued its slide. On 11 May, Cameron walked into Downing Street, but the jury was still out on the coalition government. How would they get on? Down came the pound.

However, Cameron quickly reached a deal with Liberal Democrats and, in doing so, got their strongest talent onside. They thrashed out a compromise in their policies, which may not have entirely satisfied the Tory right and the LibDem left, but nonetheless this new government seemed to be working.

Fiscal sanity is returning to government

And the forex markets responded. On 18 May, the pound made its low of $1.42 against the dollar. That key level of $1.38-$1.40 – a multi-year low – had held. Then, as global stock markets recovered, the pound gradually began to creep back up.

As news of this new budget started to leak out, it appeared that fiscal sanity was returning to government. Nick Clegg suddenly became austerity's greatest champion, regularly speaking up about the need for it. The Tories' declared need for belt-tightening was not being compromised by the LibDems. The pound's rally accelerated.

Of course, there is a lot more to the direction of a currency than a government, but the correlation between the Tories and the pound is most interesting. Here's that story in chart form. The popularity of the Tories in 2009-10, according to election polls, over a chart of the pound vs the dollar.

But now we've had the budget. We were promised austerity and we got it (you can read more on the details here). So what next? Is this a genuine rally in the pound, or just a technical bounce from oversold levels?

Now's not the time to short the pound

For now, the pound continues to rise, which bodes well. From a technical point of view, there is a lot of resistance around $1.50, near the blue trendline I have drawn on the above chart. If it can get through there, it could move to the $1.60 area fairly quickly.

Unless the dollar runs into real problems – which is not beyond the bounds of possibility given the fiscal insanity that still reigns on the other side of the Atlantic – I think it will be quite a while before we go back to $2. But I certainly wouldn't be short the pound here.

The real test for the pound, the Treasury and the Bank of England, however, will come as and when the next crisis hits. Of course, there may be no next crisis. But I remain of the mind that the global banking sector is still largely insolvent; that the euro's problems are still in act one of a three-act tragedy; and that sovereign debt default and another stock market rout are both still in the pipeline.

If pain hits, and the world sees another deflationary scare, will policy-makers resort to another bout of money printing? As my colleague John Stepek noted in yesterday's Money Morning – so far so good, "but the real test for the government and for the UK economy is still to come."

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  • 1. John Taylor

    (24 June 2010, 10:54AM)  Complain about this comment

    You guys are all about investing (that's why I subscribe) but the big issue is about rebalancing the economy. We have to get back to manufacturing EVERYTHING not just "green" products and high tech products, but socks, pins, steel and ink. With the pound @ 1.10 euro and $1.40 we can compete with China and the emerging economies very well and I know how much business the Italians have lost to UK PLC at these levels, so we can compete well in Europe too. Furthermore these firms (UK manufacturers) would provide lots of work for our young people AND new investment opportunities for investors like you and me.

  • 2. NVP

    (24 June 2010, 10:58AM)  Complain about this comment

    Hi all

    sure the GBP is doing ok at the moment , and certainly faring better than the other G6 currencies (the G8 excluding Yen and USD) against a falling Dow in last 2 weeks or so.....

    the good news will stick as long as the next big G8, bombshell or announcement then its back to business....

    what next ?.........only the markets really know - but currently like our football team , we are certainly travelling with a spring in our step !

    enjoy it while it lasts.....I am

    NVP

  • 3. Chris G

    (24 June 2010, 11:48AM)  Complain about this comment

    Hi,
    I would be interested to hear MoneyWeeks’ opinion on whether the strengthening of the pound is a good thing. With the U.K being a net importer and our high levels of debt the short term implications would seem positive. However a big part of the new government’s plans is for a big increase in exporting and I think most would agree that this is very important if we are to see long term growth. In this respect the strengthening of the pound and the weakening of the Euro would seem to be a bad thing? It seems like a weak pound is needed which will cause some pain in the short term but encourage export led growth in the long term? Perhaps the Bank of England will reintroduce quantitative easing at some point which would then devalue the pound as well as improving liquidity?
    In a way Germany seems to be in an ideal position with a strong, export led economy backed up by a weak currency and also low yields on German bonds.

  • 4. alex

    (24 June 2010, 12:11PM)  Complain about this comment

    It's not quite that striaghtforward though is it.

    A low £ means expensive inputs, energy, raw materials, components ( which we import ), but competative export prices ( which allow manufacturers to recover input costs with higher end sale prices )

    A high £ means cheaper inputs, enegy, raw materials, components, but less competative export prices ( hence manufacturers have to discount sale prices )

  • 5. Alan Baker

    (24 June 2010, 12:17PM)  Complain about this comment

    The theory sounds good - cut public spending and replace it with economic growth through exports, based on the Canadian model successfully carried out in the 90's, but this is not the 90's. Europe is cutting spending, the USA is balanced on a fiscal tightrope and China and the East could be in, about to burst, bubble economies, i.e. the export market is contracting, plus sterling is now moving upwards, this is a terrible time to cut domestic spending dramatically and rely on the hope of an export led recovery. Add to this high inflation which will force an increases in interest rates sooner or later, and the recipe for a double dip recession surely seems to be in place. Then the forex markets will not find Cameron and co. good news.

  • 6. alex

    (24 June 2010, 12:34PM)  Complain about this comment

    What's the alternative keep spending until we loose our credit rating, which will force interest rates sharply upwards even as the currency collapses, you'll have a combination of high interest rates and high inflation if spending isn't cut. Becoming the next Greece isn't the road to recovery.

  • 7. Jon, London

    (24 June 2010, 12:49PM)  Complain about this comment

    Hi... i follow all of Dominic's notes and mostly agree with his assertions, but not in this case - it seems to be working backwards from an outcome and trying to pin it somewhat tenuously to specific short term events.

    "The pound seems to like the Tories" ? - under who's stewardship was the pound at 2.10 to the dollar in the past few years ? The exact person/party that is implied to be disliked by the pound.

    My belief is that markets dont like uncertainty, and really dont like governments in their final days desperately throwing money around in order to be re-elected.
    ../...

  • 8. Jon, London

    (24 June 2010, 12:50PM)  Complain about this comment

    .../..


    Longer term, my belief is that a country that allows it's wealth to seep out of it's realm in the form of negative trade balances, combined with overspending and lack of control of it's money supply weakens its currency's value.

    Would love to see some multi-decade charts of currencies and their country's trade positions, just to see the rise and fall of GBP/USD and fall and rise of RMB/AUD, and just for good measure (and mischief !) the old German DEM

  • 9. Robert Burgess

    (24 June 2010, 12:50PM)  Complain about this comment

    Free trade and a currency exchange rate that does not equate the international cost of labour. Still means this country cannot pay its way.

  • 10. DC

    (24 June 2010, 01:07PM)  Complain about this comment

    "Of course, there may be no next crisis."

    Surely, there's always a next crisis!

  • 11. Howard

    (24 June 2010, 01:18PM)  Complain about this comment

    The theory of low currency could stimulate exports only applies to low tech generic products, such as coal, steel, etc. Most of the UK exports such as car (e.g. Nissan to EU), software, services are more resilient to the exchange rates. Moreover, since UK is still highly depends on the finance industry and the fact that high currency could retain talents, I see it is in general beneficial to the economy.

    I totally support the green energy tech investment and actually I consider the government should take an active role (forget all the EU rules) to invest in the market directly. Save billions from the nuclear tridents and build a thousands wind turbines could save us a lot of money. Please remember the fact that, energy is part of the production input. Eliminating that element will bring us in a new era.

  • 12. Adam

    (24 June 2010, 01:56PM)  Complain about this comment

    Please stick to the financials rather than political flag waving. It spoils an otherwise good artical.

  • 13. Roberto Birquet

    (24 June 2010, 04:00PM)  Complain about this comment

    The pound was hit in 2008 - not so much for Brown, he was chancellor when it boomed - but because the financial crisis sent investors scrambling for the exits. First they went to the US dollar as it was the world's reserve currency (safety first). A $1.40 pound reflected general panic. When that subsided, the pound rose to $1.60.
    Panic , the dollar rises (pound therefore falls); relax, and the over-priced dollar falls to more reasonable levels (pound rises). Another effect of the crisis was that investors saw a UK economy over-reliant on finance - the very sector that created the mess and which was severely wounded. So the pound falls against the euro.
    I became bullish on the pound last year (unless a new Lehman's). Investors had their eye off the euro problems, and concentrated on the pound's . Sooner or later, they would have to consider Europe's problems. But each time, investors are looking more at where is the worse news; rather than where is the better.

  • 14. beta_adjusted

    (24 June 2010, 06:28PM)  Complain about this comment

    Fine but double dip in Europe and US (and China credit bubble bursting?) will mean pound will need to be weaker for UK to remain competitive. Thats still the most likely outcome and short of 'its different this time' we are still early into the crisis. Housing, retail sails turning in the US we are early into the next leg of the downturn. The budget seemed weak to me, a bit of well-flagged austerity but most cuts won't happen until Autumn? and is predicated on recovery. Too little too late. Pound rally likely simply relief/bear squeeze that for now UK will not be downgraded from AAA (volatility in pound to date and subsequently in all UK investments should be sufficient evidence of the farcical nature of this). Use eyes and brain, the rot is everywhere.

  • 15. Chris G

    (28 June 2010, 09:08AM)  Complain about this comment

    Hi, sorry only just occurred to me to check up on this blog. Alex, I see your point but surely if you are trying to export a greater value of goods then you import a weak currency helps, yes you have to import some materials in the first place but then you add value to them and export as high value goods. Further to this it discourages the import of goods because of the increase in cost and thereby allows U.K based companies to be more competitive domestically. You also mentioned energy, the U.K has been a net importer of energy for a few years now, if this becomes more expensive it encourages the development of energy generation based on resources we do have, such as renewable energies (wind and tidal) and nuclear energy.

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