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Special Report Highlights Investors should expect little policy initiative out of the U.S. Congress after tax cuts; Polarization is likely to rise substantively in 2018, gridlocking Congress; Chinese policymakers are experimenting with growth-constraining reforms; Global growth has peaked; underweight emerging markets in 2018; Go long energy stocks relative to metal and mining equities. Feature Last week we published Part I of our 2018 Key Views.1 In it, we presented our five "Black Swans" for 2018: Lame Duck Trump: President Trump realizes his time in the White House is going to be short and seeks relevance abroad. He finds it in jingoism towards Iran - throwing the Middle East into chaos - and protectionism against China. A Coup In North Korea: Chinese economic pressure overshoots its mark and throws Pyongyang into a crisis. Kim Jong-un is replaced, but markets struggle to ascertain whether the successor is a moderate or a hawk. Prime Minister Jeremy Corbyn: Markets cheer the higher probability of "Bremain" and then remember that Corbyn is a genuine socialist. Italian Election Troubles: Markets are fully pricing in the sanguine scenario of "much ado about nothing," which is our view as well. But is there really anything to cheer in Italy? If not, then why is the Italian market the best performing in all of DM? Bloodbath In Latin America: Emerging markets stall next year as Chinese policymakers tighten financial regulations. As the tide pulls back, Mexico and Brazil are caught swimming naked. These are not our core views. As black swans, they are low-probability events that may disturb markets in 2018. Our core view remains that geopolitical risks were overstated in 2017 and will be understated in 2018 (Charts 1 & 2). Most importantly, U.S. politics will be a tailwind to global growth while Chinese politics will be a headwind to global growth. While the overall effect may be neutral, the combination will be bullish for the U.S. dollar and bearish for emerging markets.2 Chart 12018 Will See Risks Dominate... Chart 2...As Global Growth Concerns Reemerge This week, we turn to the three questions that we believe will define the year for investors: Is A Civil War Coming To America? Is The Ghost Of Deng Xiaoping Haunting China? Will Geopolitical Risk Shift To The Middle East? Is A Civil War Coming To America? On a recent visit to Boston and New York we were caught off guard by how alarmed several large institutional clients were about the risk of severe social unrest in the U.S. We share this concern about the level of polarization in the U.S. and expect social instability to rise over the coming years (Chart 3).3 When roughly 40% of both Democrats and Republicans believe that their political competitors pose a "threat to the nation's well-being," we have entered a new paradigm (Chart 4). Chart 3Inequality Fuels Political Polarization Chart 4"A Threat To The Nation's Well-Being?" Really?! Where we differ from some of our clients is in assessing the likely trigger for the unrest and its investment implications over the next 12 months. If the Democrats take the House of Representatives in the November 6 midterm election, as is our low-conviction view at this early point, then we would expect them eventually to impeach President Trump in 2019.4 Even then, it is not clear that the Senate would have the necessary 67 votes to convict Trump of the articles of impeachment (whatever they prove to be) and hence remove him from power. Republicans are likely to increase their majority in the Senate, even if they lose the House, because more Democratic senators are up for re-election in 2018. Therefore well over a dozen Republican senators would have to vote to remove a Republican president from power. For that to happen, Trump's popularity with Republican voters would have to go into a free fall, diving well below 60% (Chart 5). Meanwhile, we do not buy the argument that hordes of gun-wielding "deplorables" would descend upon the liberal coasts in case of impeachment. There may well be significant acts of domestic terrorism, particularly in the wake of any removal of Trump from office, but they would likely be isolated and unable to galvanize broader support. Our clients should remember, however, that ultra-right-wing militant groups are not the only perpetrators of domestic terrorism.5 Any acts of violence or social unrest are likely to draw press coverage and analytical hyperbole. But our left-leaning clients in the Northeast are likely overstating the sincerity of support for President Trump. President Trump won 44.9% of the Republican primary votes, but he averaged only 35% of the vote in the early days when the races were the most competitive. Given that only 25% of Americans identify as Republicans (Chart 6), it is fair to say that only about a third of that figure - 8%-10% of all U.S. voters - are Trump loyalists. Many conservative voters simply wanted change and were willing to give an outsider a chance (much as their liberal counterparts did in 2008!). Of that small percentage of genuine Trump fans, it is highly unlikely that a large share would seriously contemplate taking arms against the state in order to keep their leader in power against the constitutional impeachment process. Especially given that President Trump would be replaced by a genuine conservative, Vice President Mike Pence.6 Chart 5We Are A Long Way Away##BR##From Trump's Demise Chart 6Party Identifications##BR##Are Shrinking As such, we believe that it is premature to speak of a total breakdown of social order in America. It is notable that such a conversation is taking place, but other forms of polarization and social unrest are far more likely to be relevant at the moment. In terms of policy, we would expect gridlock in Congress if Democrats take the House and begin focusing on impeachment. In fact, gridlock may already be upon us, as we see little agreement between the Trump administration, its loyalists in Congress, and establishment Republican Senators like Dan Sullivan (R, Alaska), Cory Gardner (R, Colorado), Joni Ernst (R, Iowa), Susan Collins (R, Maine), Ben Sasse (R, Nebraska), and Thom Tillis (R, North Carolina). These six Senators are all facing reelection in 2020 and are likely to evolve into Democrats-in-all-but-name. If President Trump's overall popularity continues to decline, we would not be surprised if one or two (starting with Collins) even take the dramatic step of leaving the Republican Party for the 2020 election. Essentially, establishment Republicans will become effective Democrats ahead of the midterms. Post-midterm election, with Democrats potentially taking over the House, the legislative process will grind to a complete halt. Government shutdowns, debt ceiling fights, failure of proactive policymaking to deal with crises and natural disasters, will all rise in probability. As President Trump faces greater constraints in Congress, we can see him becoming increasingly reliant on his executive authority to create policy. He would not be unique in this way, as President Obama did the same. While Trump's executive policy will be pro-business, unlike Obama's, uncertainty will rise regardless. The business community will not be able to take White House policies seriously amidst impeachment and a potential Democratic wave-election in 2020. Whatever executive orders Trump signs into power over the next three years, chances are that they will be immediately reversed in 2020. What about the markets? The Mueller investigation and heightened level of polarization could create drawdowns in equity markets throughout the year. However, impeachment proceedings are not likely to begin in 2018 and have never carried more weight with investors than market fundamentals (Chart 7).7 True, the Watergate scandal under President Richard Nixon triggered a spike in volatility and a fall in equities. However, the scandal alone did not cause the correction, rather it was a combination of factors, including the second devaluation of the dollar, rapid increases in price inflation, massive insurance fraud, recession, and a global oil shock.8 Chart 7AFundamentals, Not Impeachment,##BR##Drive Markets Chart 7BFundamentals, Not Impeachment,##BR##Drive Markets What about the impact on the U.S. dollar? Does Trump-related political instability threaten the dollar's status as the chief global reserve currency and a major financial safe haven? The data suggest not. We put together a list of events in 2017 that could be categorized as "unorthodox, Trump-related, political risk" (Table 1). We specifically left out geopolitical events, such as the North Korean nuclear crisis, so as not to dilute our dataset's focus on domestic intrigue. As Chart 8 illustrates, the U.S. dollar rose slightly, on average, a week after each event relative to its average weekly return prior to the crisis. While this may not be a resounding vote of confidence for the greenback (gold performed better), there is no evidence that investors are betting on a paradigm shift away from the dollar as the global reserve currency. Table 1An Eventful Year 1 Of Trump Presidency Chart 8Trump Is Not A U.S. Dollar Paradigm Shift If investors should not worry about investment-relevant social strife in the U.S. in 2018, then when should they worry? Well, if Trump is actually removed from office, a first in U.S. history, at a time of extreme polarization, and in a country with easy access to arms and at least a strain of domestic terrorism, then 2019-20 will at least be a time for concern. Even without Trump's removal, we worry about unrest beyond 2018. We expect the ideological pendulum to shift to the left by the 2020 election. If our sister service - BCA's Global Investment Strategy - is correct, then a recession is likely to begin in late 2019.9 A combination of low popularity, market turbulence, and economic recession would doom Trump's chances of returning to the White House. But they would also be toxic for the candidacy of a moderate Democrat and would possibly propel a left-wing candidate to the presidency. Four years under a left-wing, socially progressive firebrand may be too much for many far-right voters to tolerate. Given America's demographic trends (Chart 9), these voters will realize that the writing is on the wall, that the window of opportunity to lock in their preferred policies has been firmly shut. The international context teaches us that disenchanted groups contemplate "exit" when the strategy of "voice" no longer works. How this will look in the U.S. is unclear at this point. Bottom Line: Investors should continue to fade impeachment-related, and Mueller investigation-related, pullbacks in the markets or the U.S. dollar in 2018. Our fears of U.S. social instability are mostly for the medium and long term. Fundamentals drive the markets and U.S. fundamentals remain solid for now. As our colleague Peter Berezin has pointed out, there is no imminent risk of a U.S. recession (Chart 10) and the cyclical picture remains bright (Chart 11).10 Chart 9A Changing America Chart 10No Imminent Risk Of A U.S. Recession Chart 11U.S. Cyclical Picture Is Bright Where BCA's Geopolitical Strategy diverges from the BCA House View, however, is in terms of the global growth picture. While we recognize that there are no imminent risks of a global recession, we do believe that the policy trajectory in China is being obfuscated by positive global economic projections. To this risk we now turn. Is The Ghost Of Deng Xiaoping Haunting China? Our view that Chinese President Xi Jinping would reboot his reform agenda after the nineteenth National Party Congress this October is beginning to bear fruit. Investors are starting to realize that the policy tightening of 2017 was not a one-off event but a harbinger of what to expect in 2018. China's economic activity is slowing down and the policy outlook is getting less accommodative (Chart 12).11 To be clear, we never bought into the 2013 Third Plenum "reform" hype, which sought to resurrect the ghost of Deng Xiaoping and his decision to open China's economy at the Third Plenum in 1978.12 Nor will we buy into any similar hype around the upcoming Third Plenum in 2018. Instead, we focus on policymaker constraints. And it seems to us that the constraints to reform in China have fallen since 2013. The severity of China's financial and economic imbalances, the positive external economic backdrop, the desire to avoid confrontation with Trump, and the Xi administration's advantageous moment in the Chinese domestic political cycle, all suggest to us that Xi will be driven to accelerate his agenda in 2018. Broadly, this agenda consists of revitalizing the Communist Party regime at home and elevating China's national power and prestige abroad. More specifically it entails: Re-centralizing power after a perceived lack of leadership from roughly 2004-12; Improving governance, to rebuild the legitimacy and popular support of the single-party state, namely by fighting corruption; Restructuring the economy to phase out the existing growth model, which relies excessively on resource-intensive investment while suppressing private consumption (Chart 13). Chart 12China's Economic Prospects Are Dimming Chart 13Excess Investment Is A Real Problem The October party congress showed that this framework remains intact.13 First, Xi was elevated to Mao Zedong's status in the party constitution, which makes it much riskier for vested interests to flout his policies. Second, he declared the creation of a "National Supervision Commission," which will expand the anti-corruption campaign from the Communist Party to the administrative bureaucracy at all levels. Third, he recommitted to his economic agenda of improving the quality of economic growth at the expense of its pace and capital intensity. What does this mean for the economy in 2018? We expect government policy to become a headwind, after having been a tailwind in 2016-17. As Xi and the top-decision-making Politburo officially stated on December 9, the coming year will be a "crucial year" for advancing the most difficult aspects of the agenda: Financial risk: Financial regulation will continue to tighten, not only on banks and shadow lenders but also on the property sector, which Chinese officials claim will see a new "long-term regulatory mechanism" begin to be enacted (perhaps a nationwide property tax) (Chart 14). Local governments will face greater central discipline over bad investments, excessive debt, and corruption. The new leadership of the People's Bank of China, and of the just-created "Financial Stability and Development Commission," will attempt to establish their credibility in the face of banks that will be clamoring for less readily available liquidity.14 Green industrial restructuring: State-owned enterprises (SOEs) will continue to face stricter environmental regulations and cuts to overcapacity. This is in addition to tighter financial conditions, SOE restructuring initiatives, and an anti-corruption campaign that puts top managers under the microscope. SOEs that have not been identified as national champions, or otherwise as leading firms, will get squeezed.15 What are the market implications? First and foremost, the status quo in China is shifting, which is at least marginally negative for China's GDP growth, fixed investment, capital spending, import volumes, and resource-intensity. Real GDP should fall to around 6%, if not below, rather than today's 7%, while the Li Keqiang index should fall beneath the 2013-14 average rate of 7.3%. Second, a smooth and seamless conclusion of the 2016-17 upcycle cannot be assumed. The government's heightened effectiveness in economic policy will stem in part from an increase in political risk: the expansion of the anti-corruption campaign and Xi Jinping's personal power.16 The linking of anti-corruption probes with general policy enforcement means that any lack of compliance could result in top officials being ostracized, imprisoned, or even executed. Xi's measures will have sharper teeth than the market currently expects. Local economic actors (small banks, shadow lenders, local governments, provincial SOEs) will behave more cautiously. This will create negative growth surprises not currently being predicted by leading economic indicators (Chart 15). Chart 14Property Tightening##BR##Continues Chart 15Our Composite LKI Indicator Suggests##BR##A Benign Slowdown In Growth Chinese economic policy uncertainty, credit default swaps, and equity volatility should trend upward, as investors become accustomed to sectors disrupted by government scrutiny and a government with a higher tolerance for economic pain (Chart 16). How should investors play this scenario? Despite the volatility, we still expect Chinese equities, particularly H-shares, to outperform the EM benchmark, assuming the economy does not spiral out of control and cause a global rout. Reforms will improve China's long-term potential even as they weigh on EM exports, currencies, corporate profits and share prices. On a sectoral basis, BCA's China Investment Strategy has shown that China's health care, tech, and consumer staples sectors (and arguably energy) all outperformed China's other sectors in the wake of the party congress, as one would expect of a reinvigorated reform agenda (Chart 17). These sectors should continue to outperform. Going long the MSCI Environmental, Social, and Governance (ESG) Leaders index, relative to the broad market, is one way to bet on more sustainable growth.17 Chart 16Stability Continues##BR##After Party Congress? Chart 17China's Reforms Will Create##BR##Some Winners And Losers More broadly, investors should prefer DM over EM equities, since emerging markets (especially Latin America) will suffer from a slower-growing and less commodity-hungry China (Chart 18). Within the commodities complex, investors should expect crosswinds, with energy diverging upward from base metals that are weighed down by China.18 Chart 18Who Is Exposed To China? What are the risks to this view? How and when will we find out if we are wrong? Chart 19All Signs Pointing To Headwinds Ahead First, the best leading indicators of China's economy are indicators of money and credit, as BCA's Emerging Markets Strategy and China Investment Strategy have shown.19 The credit and broad money (M3) impulses have finally begun to tick back up after a deep dip, suggesting that in six-to-nine months the economy, which has only just begun to slow, will receive some necessary relief (Chart 19). The question is how much relief? Strong spikes in these impulses, or in the monetary conditions index or housing prices, would indicate that stimulus is still taking precedence over reform. Second, our checklist for a reform reboot, which we have maintained since April and is so far on track, offers some critical political signposts for H1 2018 (Table 2).20 For instance, if China is serious about deleveraging, then authorities will restrain bank lending at the beginning of the year. A sharp increase in credit growth in Q1 would greatly undermine our thesis (while likely encouraging exuberance globally).21 Also, in March, the National People's Congress (NPC), China's rubber-stamp parliament, will hold its annual meeting. NPC sessions can serve to launch new reform initiatives (as in 1998 and 2008) or new stimulus efforts (as in 2009 and 2016). This year's legislative session is more important than usual because it will formally launch Xi Jinping's second term. The event should provide more detail on at least a few concrete reform initiatives. If the only solid takeaways are short-term growth measures and more infrastructure investment, then the status quo will prevail. Table 2China Reform Checklist By the end of May, an assessment of the concrete NPC initiatives and the post-NPC economic data should indicate whether China's threshold for economic pain has truly gone up. If not, then any reforms that the Xi administration takes will have limited effect. It is important to note that our view does not hinge on China's refraining from stimulus altogether. We do not expect Beijing to self-impose a recession. Rather, we expect stimulus to be of a smaller magnitude than in 2015-16. We also expect the complexion of fiscal spending to continue to become less capital intensive as it is directed toward building a social safety net (Chart 20). Massive old-style stimulus should only return if the economy starts to collapse, or closer to the sensitive 2020-21 economic targets timed to coincide with the anniversary of the Communist Party.22 Chart 20China's Fiscal Spending Is Becoming Less Capital Intensive Bottom Line: The Xi administration has identified financial instability, environmental degradation, and poverty as persistent threats to the regime and is moving to address them. The consequences are, on the whole, likely to be negative for growth in the short term but positive in the long term. We expect China to see greater volatility but to benefit from better long-term prospects. Meanwhile China-exposed, commodity-reliant EMs will suffer negative side-effects. Will Geopolitical Risk Shift To The Middle East? The U.S. geopolitical "pivot to Asia" has been a central theme of our service since its launch in 2012.23 The decision to geopolitically deleverage from the Middle East and shift to Asia was undertaken by the Obama administration (Chart 21). Not because President Obama was a dove with no stomach to fight it out in the Middle East, but because the U.S. defense and intelligence establishment sees containing China as America's premier twenty-first century challenge. Chart 21U.S. Has Deleveraged From The Middle East The grand strategy of containing China has underpinned several crucial decisions by the U.S. since 2011. First, the U.S. has become a lot more aggressive about challenging China's military expansion in the South China Sea. Second, the U.S. has begun to reposition military hardware into East Asia. Third, Washington concluded a nuclear deal with Tehran in 2015 - referred to as the Joint Comprehensive Plan of Action (JCPA) - in order to extricate itself from the Middle East and focus on China.24 President Trump, however, while maintaining the pivot, has re-focused his rhetoric back on the Middle East. The decision to move the U.S. embassy to Jerusalem, while largely accepting a fait accompli, is an unorthodox move that suggests that this administration's threshold for accepting chaos in the Middle East is a lot lower. Our concern is that the Trump administration may set its sights on Iran next. President Trump appears to believe that the U.S. can contain China, coerce North Korea into nuclear negotiations, and reverse Iranian gains in the Middle East at the same time. In our view, he cannot. The U.S. military is stretched, public war weariness remains a political constraint, regional allies are weak, and without ground-troop commitments to the Middle East Trump is unlikely to change the balance of power against Iran. All that the abrogation of the JCPA would do is provoke Iran, which could lash out across the Middle East, particularly in Iraq where Tehran-supported Shia militias remain entrenched. Investors should carefully watch whether Trump approves another six-month waiver for the Iran Freedom and Counter-Proliferation Act (IFCA) of 2012. This act imposes sanctions against all entities - whether U.S., Iranian, or others - doing business with the country (Table 3). In essence, IFCA is the congressional act that imposed sanctions against Iran. The original 2015 nuclear deal did not abrogate IFCA. Instead, Obama simply waived its provisions every six months, as provided under the original act. Table 3U.S. Sanctions Have Global Reach BCA's Commodity & Energy Strategy remains overweight oil. As our energy strategists point out, the last two years have been remarkably benign regarding unplanned production outages. Iran, Libya, and Nigeria all returned production to near-full potential, adding over 1.5 million b/d of supply back to the world markets (Chart 22). This supply increase is unlikely to repeat itself in 2018, particularly as geopolitical risks are likely to return in Iraq, Libya, and Nigeria, and already have in Venezuela (Chart 23). Chart 22Unplanned Production Outages Are At The Lowest Level In Years Nigeria is on the map once again with the Niger Delta Avengers vowing to renew hostilities with the government. Nigeria's production has been recovering since pipeline saboteurs knocked it down to 1.4 million b/d in the period from May 2016 to June 2017, but rising tensions could threaten output anew. And Venezuela remains in a state of near-collapse.25 Iraq is key, and three risks loom large. First, as we have pointed out since early 2016, the destruction of the Islamic State is exposing fault lines between the Kurds - who have benefited the most from the vacuum created by the Islamic State's defeat - and their Arab neighbors.26 Second, remnants of the Islamic State may turn into saboteurs since their dream of controlling a Caliphate is dead. Third, investors need to watch renewed tensions between the U.S. and Iran. Shia-Sunni tensions could reignite if Tehran decides to retaliate against any re-imposition of economic sanctions by Washington. Not only could Tehran retaliate against Sunnis in Iraq, throwing the country into another civil war, but it could even go back to its favorite tactic from 2011: threatening to close the Straits of Hormuz. Another critical issue to consider is how the rest of the world would respond to the re-imposition of sanctions against Iran. Under IFCA, the Trump administration would be able to sanction any bank, shipping, or energy company that does business with the country, including companies belonging to European and Asian allies. If the administration pursued such policy, however, we would expect a major break between the U.S. and Europe. It took Obama four years of cajoling, threatening, and strategizing to convince Europe, China, India, Russia, and Asian allies to impose sanctions against Iran. For many economies this was a tough decision given reliance on Iran for energy supplies. A move by the U.S. to re-open the front against Iran, with no evidence that Tehran has failed to uphold the nuclear deal itself, would throw U.S. alliances into a flux. The implications of such a decision could therefore go beyond merely increasing the geopolitical risk premium. Chart 23Iraq, Libya, And Venezuela Are##BR##At Risk Of Production Disruptions In 2018 Chart 24Buy Energy,##BR##Short Metals Bottom Line: BCA's Commodity & Energy Strategy has set the average oil price forecast at $67 per barrel for 2018.27 We believe that the upside risk to this view is considerable. As a way to parlay our relatively bearish view on the Chinese economy with the bullish oil view of our commodity colleagues, we would recommend that our clients go long global energy stocks relative to metal and mining equities (Chart 24). Marko Papic, Senior Vice President Chief Geopolitical Strategist marko@bcaresearch.com Matt Gertken, Associate Vice President Geopolitical Strategy mattg@bcaresearch.com 1 Please see BCA Geopolitical Strategy Special Report, "2018 Key Views, Part I: Five Black Swans," dated December 6, 2017, available at gps.bcaresearch.com. 2 Please see BCA Geopolitical Strategy Weekly Report, "Geopolitics - From Overstated To Understated Risks," dated November 22, 2017, available at gps.bcaresearch.com. 3 Please see BCA Geopolitical Strategy Special Report, "Populism Blues: How And Why Social Instability Is Coming To America," dated June 9, 2017, available at gps.bcaresearch.com. 4 Please see BCA Geopolitical Strategy Special Report, "Break Glass In Case Of Impeachment," dated May 17, 2017, available at gps.bcaresearch.com. 5 On June 14, James Hodkinson, a left-wing activist, attacked Republican members of Congress while practicing baseball for the annual Congressional Baseball Game for Charity. 6 A very sophisticated client in New York asked us whether we believed that National Guard units, who are staffed from the neighborhoods they would have to pacify in case of unrest, would remain loyal to the federal government in case of impeachment-related unrest. Our high-conviction view is that they would. First, the U.S. has a highly professionalized military with a strong history of robust civil-military relations. Second, if the Alabama National Guard remained loyal to President Kennedy in the 1963 University of Alabama integration protests - the so-called "Stand in the Schoolhouse Door" incident - then we certainly would expect "Red State" National Guard units to remain loyal to their chain-of-command in 2017. That said, the very fact that we do not consider the premise of the question to be ludicrous suggests that we are in a genuine paradigm shift. 7 Please see BCA Geopolitical Strategy Special Report, "Break Glass In Case Of Impeachment," dated May 17, 2017, available at gps.bcaresearch.com. 8 The "Saturday Night Massacre," which escalated the crisis in the White House, occurred in October, the same month that OPEC launched an oil embargo and caused the oil shock. The U.S. economy was already sliding into recession, which technically began in November. 9 Please see BCA Global Investment Strategy Weekly Report, "The Timing Of The Next Recession," dated June 16, 2017, available at gis.bcaresearch.com. 10 Please see BCA Global Investment Strategy Weekly Report, "When To Get Out," dated December 8, 2017, available at gis.bcaresearch.com. 11 Please see BCA Geopolitical Strategy Weekly Report, "Northeast Asia: Moonshine, Militarism, And Markets," dated May 24, 2017, and Special Report, "China: Looking Beyond The Party Congress," dated July 19, 2017, available at gps.bcaresearch.com. 12 Please see BCA Geopolitical Strategy Monthly Report, "Reflections On China's Reforms," in "The Great Risk Rotation - December 2013," dated December 11, 2013, and Special Report, "Taking Stock Of China's Reforms," dated May 13, 2015, available at gps.bcaresearch.com. 13 Please see BCA Geopolitical Strategy Special Report, "China: Party Congress Ends ... So What?" dated November 1, 2017, available at gps.bcaresearch.com. 14 Please see BCA Geopolitical Strategy Weekly Report, "The Wrath Of Cohn," dated July 26, 2017, available at gps.bcaresearch.com. 15 Please see BCA Geopolitical Strategy Special Report, "Xi Jinping: Chairman Of Everything," dated October 25, 2017, available at gps.bcaresearch.com. 16 For instance, the decision to stack the country's chief bank regulator (the CBRC) with some of the country's toughest anti-corruption officials is significant and will bode ill not only for corrupt regulators but also for banks that have benefited from cozy relationships with them. This is not a neutral development with regard to bank lending. Please see BCA Geopolitical Strategy Weekly Report, "Geopolitics - From Overstated To Understated Risks," dated November 22, 2017, available at gps.bcaresearch.com. 17 Please see BCA China Investment Strategy Weekly Report, "Messages From The Market, Post-Party Congress," dated November 16, 2017, available at cis.bcaresearch.com. 18 Note that these eco-reforms will reduce supply, which could offset - at least in part - the lower demand from within China. Please see BCA Commodity & Energy Strategy Weekly Report, "Shifting Gears In China: The Impact On Base Metals," dated November 9, 2017, available at ces.bcaresearch.com. The status of China's supply-side reforms suggests that steel, coking coal, and iron ore prices are most likely to decline from current levels; please see BCA Emerging Markets Strategy Special Report, "China's 'De-Capacity' Reforms: Where Steel & Coal Prices Are Headed," dated November 22, 2017, available at ems.bcaresearch.com. 19 Please see BCA Emerging Markets Strategy Special Report, "Ms. Mea Challenges The EMS View," dated October 19, 2017, available at ems.bcaresearch.com, and China Investment Strategy Special Report, "The Data Lab: Testing The Predictability Of China's Business Cycle," dated November 30, 2017, available at cis.bcaresearch.com. 20 Please see BCA Geopolitical Strategy Weekly Report, "Political Risks Are Understated In 2018," dated April 12, 2017, available at gps.bcaresearch.com. 21 It is primarily credit excesses that a reform-oriented government would seek to rein in, while fiscal spending may have to increase to try to compensate for slower credit growth. 22 Please see BCA Geopolitical Strategy Special Report, "China: Looking Beyond The Party Congress," dated July 19, 2017, available at gps.bcaresearch.com. 23 Please see BCA Geopolitical Strategy Special Report, "Power And Politics In East Asia: Cold War 2.0?" dated September 25, 2012, and "Brewing Tensions In The South China Sea: Implications," dated June 13, 2012, available at gps.bcaresearch.com. 24 Please see BCA Geopolitical Strategy Special Report, "Out Of The Vault: Explaining The U.S.-Iran Détente," dated July 15, 2015, available at gps.bcaresearch.com. 25 Please see BCA Geopolitical Strategy and Energy Sector Strategy Special Report, "Venezuela: Oil Market Rebalance Is Too Little, Too Late," dated May 17, 2017, available at gps.bcaresearch.com. 26 Please see BCA Geopolitical Strategy Special Report, "Scared Yet? Five Black Swans For 2016," dated February 10, 2016, available at gps.bcaresearch.com. 27 Please see BCA Commodity & Energy Strategy, "Key Themes For Energy Markets In 2018," dated December 7, 2017, available at ces.bcaresearch.com.
Special Report Dear Client, I am currently traveling in Europe visiting clients. This week, in lieu of a regular report, I am sending along a research report written by my colleague at BCA Global Asset Allocation. The topic covers one of the more fascinating "alternative" parts of the fixed income universe - catastrophe bonds. I trust that you will find this report insightful and useful. Best regards, Robert Robis, Senior Vice President Global Fixed Income Strategy Highlights Catastrophe bonds ("cat bonds") have recently been receiving a lot of investor attention because, after this summer's large hurricanes, they are now attractively priced. We explain the mechanics of this market, and analyze cat bonds' historic risk-return characteristics. Cat bonds have historical annualized returns of 7.4%, with volatility of only 3.0%, making them an attractive risk-adjusted investment. However, they are exposed to "cliff risk", creating a return distribution with negative skew and large excess kurtosis. But cat bonds offer interesting portfolio diversification benefits, since financial and economic shocks have minimal impact on cat bond returns. The reinsurance market tends to be cyclical, with premiums rising following a catastrophe and decreasing during a period of calm. Feature Introduction In 1992, Hurricane Andrew caused $17 billion in losses, more than twice the value of the insured property, and forced many insurers into bankruptcy. As the global economy has grown in size since then, the monetary value of insured events has risen steadily. However, increasing regulatory hurdles in the form of higher reserve requirements have led to capacity constraints (Chart 1) in the traditional insurance industry. In 2005, Hurricane Katrina, which caused $108 billion in losses, strengthened the case for the introduction of catastrophe bonds and other insurance-linked securities that helped ease financial burdens in the insurance industry, for several reasons. First, catastrophe bonds give access to the deepest, most liquid, and efficient sources of capital. Second, the securitization of reinsurance capital has created a secondary market where risk exposures can be transferred within the investor community. Third, insurance firms have the ability to move some exposures off their books, thereby allowing them to underwrite larger risks that they would otherwise lack the capacity to cover. According to S&P Global Ratings, the market for cat bonds and other insurance-linked securities is estimated to be about $86 billion. Other insurance-linked securities include industry loss warranties (ILW), collateralized reinsurance contracts, and reinsurance sidecars. Cat bonds are the only insurance-linked securities that publicly trade on a secondary market. The recent increase in natural catastrophes has led to surging supply in the cat bond market. Record issuance in the first and second quarters of 2017 has pushed the size of the outstanding cat bond market to over $30 billion (Chart 2) for the first time. This comes after a period prior to this year with fewer catastrophes and where bond pricing has been stable, which led to increased deal sizes. In this Special Report, we run through the mechanics of the cat bond structure and market. We analyze historical risk-return characteristics (Chart 3) and compare them to other major asset classes. Since insurance-linked securities are known to have very low correlation with other assets, we test their potential diversification benefits within a traditional portfolio. Finally, we analyze their historical performance in periods of financial market stress and rising interest rate environments, which are two of the biggest worries for investors. Our conclusions are that: Chart 1Capacity Constraints Chart 2Record Issuance In 2017 Chart 3Risk-Return Profile The reinsurance market is cyclical, with premiums increasing following a catastrophe and decreasing following a period of calm. Realized volatility in the cat bond market is low. However, returns have a negative skew with an extremely fat-tailed distribution relative to other traditional assets. The addition of cat bonds to a traditional multi-asset portfolio has tremendous diversification benefits. The largest improvement to risk-adjusted returns comes from substituting equities with cat bonds. Financial crises have minimal impact on cat bond returns. However, depending on the magnitude of catastrophe losses, there could be varied regional impacts. Investors can customize the risk-return profile by altering the attachment and exhaustion points, and also by diversifying across trigger types. Mechanics Of Cat Bonds Despite the increasing popularity of cat bonds, their non-conventional structure is understood by only a limited number of investors. A better understanding of the characteristics of this financial instrument makes analyzing risk and return more straightforward. The key features (Chart 4) of a catastrophe bond are as follows. An insurer looking to reduce certain exposures will create a special purpose vehicle (SPV), also known as the issuer, to assist with the transaction. The issuer/SPV sells reinsurance protection to the sponsoring firms and simultaneously issues a cat bond to the investor. The proceeds from the bond sale are managed in a segregated collateral account to generate the floating-rate component of the coupon payable to investors. The fixed component of the coupon is financed through reinsurance premiums paid by the sponsoring firm to the issuer or SPV. Traditionally, cat bonds used a total return swap where a counterparty guaranteed the liquidity and performance of a collateral account. This forced investors and sponsors to rely on the creditworthiness of the swap provider. In 2007, two cat bonds that used Lehman Brothers as a swap counterparty were forced into default because of illiquid collateral assets and mismatched maturities. Nowadays, the assets managed in the collateral account are invested only in U.S. Treasury money market funds or structured notes from the International Bank for Reconstruction and Development (IBRD). The final settlement of the bond is binary: 1) if no trigger event occurs before the bond maturity, the SPV returns the principal to investors along with the final coupon; 2) if a catastrophe hits and the bond is triggered, the principal in the collateral account is used to settle the claims of the sponsoring firms. Cat bonds are typically used to cover a piece of risk exposure in the sponsor's book. For example, a cat bond could cover indemnities exceeding $1 billion up to $1.2 billion, making the bond issue size equal to $200 million. The $1 billion is called the attachment point, and the $1.2 billion is called the exhaustion point, at which point the principal is exhausted and investors are not liable for any further claims. The tranche with the higher attachment point will be of higher quality, but with a lower rate of return. The reinsurance industry is cyclical, which makes contract pricing more volatile than investors might expect. The Rate on Line (Chart 5) index can be seen as a yield on the insurance contracts underwritten in the industry. Market conditions can be split into two phases: Chart 4Mechanics Of Cat Bonds Chart 5Cyclical Reinsurance Premiums Soft Market: Following many years of limited or minor catastrophes, reinsurance premiums are pressured downward and bond prices rise. In these circumstances, demand for cat bonds will be limited as coupon income will be less attractive. Hard Market: A major catastrophe will significantly erode the capital available in the insurance industry, thereby creating a supply shortage that pushes up reinsurance premiums. In these conditions, cat bond issuance will rise, driven by attractive coupon income. Investors can manage the premium cycle by slightly increasing risk at the portfolio level in a softening market (falling premiums) and reducing risk in hardening market (rising premiums). The recent catastrophes should drive up reinsurance premiums, but the sheer weight of money searching for yields in the current environment might make the uplift surprisingly modest compared to the past. Given that cat bonds have a binary payout feature, investors need to understand the trigger type (Table 1) used in the contract. In the early days, most bonds were issued with an indemnity trigger, but the type of trigger (Chart 6) has become more varied over time. The type of trigger used in the cat bond has the following impacts: If the trigger used in the bond takes longer to settle, the investor can be involved in a long drawn-out legal battle with the sponsoring firm looking to settle claims. This could in turn force the bond beyond maturity and keep investor funds locked up at significantly lower rates of return. Table 1Understanding Trigger Types Chart 6Choosing The Right Trigger Type Investors also need to understand the level of basis risk sponsoring firms are exposed to with different trigger types. In the context of cat bonds, basis risk is when the settlement payout from cat bonds differs from the actual portfolio losses incurred by sponsoring firms. If they have basis risk, investors will have to deal with moral hazard, where sponsoring firms will have incentive to underwrite excessive risks. Historical Risk & Return Investing in catastrophe bonds is essentially a "short gamma" strategy, where investors are selling insurance and collecting premium with the hope of options not being triggered during the maturity of the bond. Attractive historical returns (Table 2) have been the result of lower-than-expected principal write-downs given limited catastrophes. In the early years, cat bonds as an asset class were not fully understood by the broader market, creating a "novelty premium" up until 2010. Subsequently, low interest rates have had a profound impact on all traditional assets, making cat bond yields relatively attractive. Realized volatility has been extremely low since the investor collects regular coupons in the absence of a catastrophe that triggers a payout. This makes risk-adjusted returns very attractive compared to other major assets. However, because of the extreme tail risk, there exists a big negative skew along with high excess kurtosis. Cat bonds are exposed to "cliff risk" - the likelihood that the tranche's notional value will be exhausted once settlement claims reach the attachment point. The two main sources of risk that investors need to be mainly concerned about, however, are: 1) insurance risk that cat bonds assume, and 2) credit risk associated with the collateral account. An attractive feature of cat bonds is that poor performance tends to be self-correcting, as seen in the reinsurance cycle. Following a particularly destructive natural disaster, a number of factors such as increased insurance demand, the reduced capacity of insurance firms, and upward revisions to probability models serve to increase insurance premiums and potential returns to insurance-linked securities. For example, after the 2011 Japanese Tohoku earthquake and tsunami, insurance premiums were pushed up by around 50% for earthquake risk and 20% for other catastrophe risk. The likelihood of incurring negative returns is far lower than the chance of benefitting from positive returns. Cat bonds have achieved positive monthly returns 92% of the time (Table 3). The recent hurricane season in the U.S. was the first time returns turned negative on a 12-month basis. Table 2Historical Risk-Return Analysis (January 2002 - November 2017) Table 3Only Fifteen Months Of Negative Returns Finally, there have been many comparisons between cat bonds and high-yield credit. While high-yield debt performance is tied to market and economic cycles lasting about 10 years, that of cat bonds is tied to low probability catastrophes. Frequency of loss in junk bonds is greater than it is for cat bonds. However, the potential principal loss is greater for cat bonds, because they have almost zero recovery value. Diversification & Portfolio Impact Cat bonds' performance is linked to factors such as natural disasters, longevity risk, or life insurance mortality, and not to broader financial market risks. However, in periods of economic stress, markets experience a flight to quality and correlations between risk assets increase. Therefore, the benefits of portfolio diversification dissolve when they are needed most. This is not the case with cat bonds, however, as correlations with other assets (Table 4) have remained stable over time. This makes them a potentially useful diversification instrument in multi-asset portfolios. Table 4Cross-Asset Correlation (January 2002 - November 2017) To test this, we perform a typical portfolio analysis whereby we add cat bonds to a conventional portfolio and investigate the impact on the return and risk of the portfolio (Chart 7). Starting with the most traditional allocation of 60% equities and 40% bonds, we augment the portfolio with a 10% allocation to cat bonds and come up with the following results: Replacing equities with cat bonds leads to the largest reduction in portfolio volatility, and a small decrease in annualized returns. This new portfolio generates equity-like returns, but with a smaller correlation with stocks. Replacing traditional fixed income with cat bonds leads to a large increase to annualized returns, while the impact on volatility is virtually non-existent. The largest positive impact on risk-adjusted returns occurs when cat bonds replace equities, because the reduction in volatility is substantially greater than the increase in returns when cat bonds replace traditional bonds. We also ranked the MSCI All-Country World equity and Bloomberg Barclays Global Aggregate Bond indices from worst to best monthly returns and then overlaid the corresponding cat bond returns for each ranked month (Chart 8). This technique removes randomness from the time series in order to view the relative randomness of the other. We have the following findings: Cat bonds have had only three months that delivered a return less than -2%. These were -2.1% in September 2005 during Hurricane Katrina, -3.6% in March 2011 during the Tohoku earthquake and tsunami in Japan, and -5.8% in September 2017 after the severe hurricanes in Texas, Florida and the Caribbean. Other than catastrophe-related events, cat bond returns have been stable. Cat bonds displayed no reaction when equities had their most negative months. But they tend to have relatively stronger returns when equities also have positive months. Cat bonds performed well in both good and bad months for traditional fixed income. This shows that causes of traditional bond market losses and cat bond principal loss have little or no bearing on one another. Since cat bonds have a large negative skew and high excess kurtosis, investors can potentially lose all their capital if the bonds are triggered. When allocating to cat bonds, investors need to maintain a well-diversified position in order to minimize the risk of complete capital wipeout. This can be done by carefully picking bonds covering different perils (i.e. earthquakes, wind, extreme mortality), regions and trigger types (Chart 9). As a broader range of perils come to the market, investors will find increasing avenues for diversification within the asset class. Investors can also benefit from very low correlations within the cat bond universe, where returns from cat bonds covering a specific peril have no bearing on returns from cat bonds covering another peril. Chart 7Portfolio Diversification Chart 8Attractive Monthly Returns Chart 9Diversifying Across Perils, Coupon Rate And Expected Loss Financial Market Stress Having established that underlying market developments have no bearing on cat bond performance, we want to address two further important questions: 1) do financial crises affect cat bond returns? 2) do natural catastrophes trigger financial crises? Looking at previous global market crisis scenarios dating back to 2008 (Chart 10), we see that cat bonds had positive absolute returns during all crisis periods. The only period with negative cat bond returns was during the 2008 Lehman Brothers' collapse, when the bank was the swap counterparty for two bonds that defaulted. Large natural catastrophes do not affect broader capital markets, but do tend to have a large local impact. In August 2005, Hurricane Katrina, with damages totaling $108 billion, became the costliest hurricane to date in the U.S. The hurricane triggered a cat bond, and the index was down 2.1%, but there was no noticeable lingering impact on the U.S. economy. On the other hand, the earthquake and tsunami in Tohoku on March 11, 2011 had devastating effects. With damages exceeding $300 billion (approximately 5% of Japanese GDP), the cat bond index dropped 3.6%, and Japanese equities collapsed 7.3%. Moreover, a big earthquake in a major city or region such as Tokyo or California could have the capacity to trigger a global recession. Finally, looking at past major catastrophes (Chart 11), we see that existing cat bond prices do not fully recover to their pre-catastrophe levels. Accordingly, picking up bonds at a discount may not generate the expected return as price levels struggle to fully recover. Chart 10Outperformance Across The Board Chart 11Not A Full Recovery Interest Rate & Inflation Hedge Traditional bonds with fixed coupon payments underperform in a rising rate environment. Since cat bonds receive a floating-rate coupon along with the fixed premium, they are largely immune to rising rates. When central banks hike rates, the principal of the bonds invested in money market assets will produce a higher return, thereby offering investors a powerful shield against possible inflation, as well. Since the total coupon received by investors includes a fixed and floating component, cat bonds have a lower modified duration relative to similar maturity traditional bonds. Conclusion Despite their abnormal return distributions, we recommend investors allocate capital from their "alternatives" bucket toward cat bonds. Against a backdrop of low yields and investor complacency, cat bonds are highly attractive given their potential for consistently robust returns and, perhaps most importantly, tremendous diversification benefits. Still, allocations should be relatively small given the illiquid nature of the cat bond market, and diversification among bonds and issuers is critical due to the potential for large losses in the event that a cat bond is triggered. Aditya Kurian, Research Analyst Global Asset Allocation adityak@bcaresearch.com
Special Report Highlights Catastrophe bonds ("cat bonds") have recently been receiving a lot of investor attention because, after this summer's large hurricanes, they are now attractively priced. We explain the mechanics of this market, and analyze cat bonds' historic risk-return characteristics. Cat bonds have historical annualized returns of 7.4%, with volatility of only 3.0%, making them an attractive risk-adjusted investment. However, they are exposed to "cliff risk", creating a return distribution with negative skew and large excess kurtosis. But cat bonds offer interesting portfolio diversification benefits, since financial and economic shocks have minimal impact on cat bond returns. The reinsurance market tends to be cyclical, with premiums rising following a catastrophe and decreasing during a period of calm. Feature Introduction In 1992, Hurricane Andrew caused $17 billion in losses, more than twice the value of the insured property, and forced many insurers into bankruptcy. As the global economy has grown in size since then, the monetary value of insured events has risen steadily. However, increasing regulatory hurdles in the form of higher reserve requirements have led to capacity constraints (Chart 1) in the traditional insurance industry. In 2005, Hurricane Katrina, which caused $108 billion in losses, strengthened the case for the introduction of catastrophe bonds and other insurance-linked securities that helped ease financial burdens in the insurance industry, for several reasons. First, catastrophe bonds give access to the deepest, most liquid, and efficient sources of capital. Second, the securitization of reinsurance capital has created a secondary market where risk exposures can be transferred within the investor community. Third, insurance firms have the ability to move some exposures off their books, thereby allowing them to underwrite larger risks that they would otherwise lack the capacity to cover. According to S&P Global Ratings, the market for cat bonds and other insurance-linked securities is estimated to be about $86 billion. Other insurance-linked securities include industry loss warranties (ILW), collateralized reinsurance contracts, and reinsurance sidecars. Cat bonds are the only insurance-linked securities that publicly trade on a secondary market. The recent increase in natural catastrophes has led to surging supply in the cat bond market. Record issuance in the first and second quarters of 2017 has pushed the size of the outstanding cat bond market to over $30 billion (Chart 2) for the first time. This comes after a period prior to this year with fewer catastrophes and where bond pricing has been stable, which led to increased deal sizes. In this Special Report, we run through the mechanics of the cat bond structure and market. We analyze historical risk-return characteristics (Chart 3) and compare them to other major asset classes. Since insurance-linked securities are known to have very low correlation with other assets, we test their potential diversification benefits within a traditional portfolio. Finally, we analyze their historical performance in periods of financial market stress and rising interest rate environments, which are two of the biggest worries for investors. Our conclusions are that: Chart 1Capacity Constraints Chart 2Record Issuance In 2017 Chart 3Risk-Return Profile The reinsurance market is cyclical, with premiums increasing following a catastrophe and decreasing following a period of calm. Realized volatility in the cat bond market is low. However, returns have a negative skew with an extremely fat-tailed distribution relative to other traditional assets. The addition of cat bonds to a traditional multi-asset portfolio has tremendous diversification benefits. The largest improvement to risk-adjusted returns comes from substituting equities with cat bonds. Financial crises have minimal impact on cat bond returns. However, depending on the magnitude of catastrophe losses, there could be varied regional impacts. Investors can customize the risk-return profile by altering the attachment and exhaustion points, and also by diversifying across trigger types. Mechanics Of Cat Bonds Despite the increasing popularity of cat bonds, their non-conventional structure is understood by only a limited number of investors. A better understanding of the characteristics of this financial instrument makes analyzing risk and return more straightforward. The key features (Chart 4) of a catastrophe bond are as follows. An insurer looking to reduce certain exposures will create a special purpose vehicle (SPV), also known as the issuer, to assist with the transaction. The issuer/SPV sells reinsurance protection to the sponsoring firms and simultaneously issues a cat bond to the investor. The proceeds from the bond sale are managed in a segregated collateral account to generate the floating-rate component of the coupon payable to investors. The fixed component of the coupon is financed through reinsurance premiums paid by the sponsoring firm to the issuer or SPV. Traditionally, cat bonds used a total return swap where a counterparty guaranteed the liquidity and performance of a collateral account. This forced investors and sponsors to rely on the creditworthiness of the swap provider. In 2007, two cat bonds that used Lehman Brothers as a swap counterparty were forced into default because of illiquid collateral assets and mismatched maturities. Nowadays, the assets managed in the collateral account are invested only in U.S. Treasury money market funds or structured notes from the International Bank for Reconstruction and Development (IBRD). The final settlement of the bond is binary: 1) if no trigger event occurs before the bond maturity, the SPV returns the principal to investors along with the final coupon; 2) if a catastrophe hits and the bond is triggered, the principal in the collateral account is used to settle the claims of the sponsoring firms. Cat bonds are typically used to cover a piece of risk exposure in the sponsor's book. For example, a cat bond could cover indemnities exceeding $1 billion up to $1.2 billion, making the bond issue size equal to $200 million. The $1 billion is called the attachment point, and the $1.2 billion is called the exhaustion point, at which point the principal is exhausted and investors are not liable for any further claims. The tranche with the higher attachment point will be of higher quality, but with a lower rate of return. The reinsurance industry is cyclical, which makes contract pricing more volatile than investors might expect. The Rate on Line (Chart 5) index can be seen as a yield on the insurance contracts underwritten in the industry. Market conditions can be split into two phases: Chart 4Mechanics Of Cat Bonds Chart 5Cyclical Reinsurance Premiums Soft Market: Following many years of limited or minor catastrophes, reinsurance premiums are pressured downward and bond prices rise. In these circumstances, demand for cat bonds will be limited as coupon income will be less attractive. Hard Market: A major catastrophe will significantly erode the capital available in the insurance industry, thereby creating a supply shortage that pushes up reinsurance premiums. In these conditions, cat bond issuance will rise, driven by attractive coupon income. Investors can manage the premium cycle by slightly increasing risk at the portfolio level in a softening market (falling premiums) and reducing risk in hardening market (rising premiums). The recent catastrophes should drive up reinsurance premiums, but the sheer weight of money searching for yields in the current environment might make the uplift surprisingly modest compared to the past. Given that cat bonds have a binary payout feature, investors need to understand the trigger type (Table 1) used in the contract. In the early days, most bonds were issued with an indemnity trigger, but the type of trigger (Chart 6) has become more varied over time. The type of trigger used in the cat bond has the following impacts: If the trigger used in the bond takes longer to settle, the investor can be involved in a long drawn-out legal battle with the sponsoring firm looking to settle claims. This could in turn force the bond beyond maturity and keep investor funds locked up at significantly lower rates of return. Table 1Understanding Trigger Types Chart 6Choosing The Right Trigger Type Investors also need to understand the level of basis risk sponsoring firms are exposed to with different trigger types. In the context of cat bonds, basis risk is when the settlement payout from cat bonds differs from the actual portfolio losses incurred by sponsoring firms. If they have basis risk, investors will have to deal with moral hazard, where sponsoring firms will have incentive to underwrite excessive risks. Historical Risk & Return Investing in catastrophe bonds is essentially a "short gamma" strategy, where investors are selling insurance and collecting premium with the hope of options not being triggered during the maturity of the bond. Attractive historical returns (Table 2) have been the result of lower-than-expected principal write-downs given limited catastrophes. In the early years, cat bonds as an asset class were not fully understood by the broader market, creating a "novelty premium" up until 2010. Subsequently, low interest rates have had a profound impact on all traditional assets, making cat bond yields relatively attractive. Realized volatility has been extremely low since the investor collects regular coupons in the absence of a catastrophe that triggers a payout. This makes risk-adjusted returns very attractive compared to other major assets. However, because of the extreme tail risk, there exists a big negative skew along with high excess kurtosis. Cat bonds are exposed to "cliff risk" - the likelihood that the tranche's notional value will be exhausted once settlement claims reach the attachment point. The two main sources of risk that investors need to be mainly concerned about, however, are: 1) insurance risk that cat bonds assume, and 2) credit risk associated with the collateral account. An attractive feature of cat bonds is that poor performance tends to be self-correcting, as seen in the reinsurance cycle. Following a particularly destructive natural disaster, a number of factors such as increased insurance demand, the reduced capacity of insurance firms, and upward revisions to probability models serve to increase insurance premiums and potential returns to insurance-linked securities. For example, after the 2011 Japanese Tohoku earthquake and tsunami, insurance premiums were pushed up by around 50% for earthquake risk and 20% for other catastrophe risk. The likelihood of incurring negative returns is far lower than the chance of benefitting from positive returns. Cat bonds have achieved positive monthly returns 92% of the time (Table 3). The recent hurricane season in the U.S. was the first time returns turned negative on a 12-month basis. Table 2Historical Risk-Return Analysis (January 2002 - November 2017) Table 3Only Fifteen Months Of Negative Returns Finally, there have been many comparisons between cat bonds and high-yield credit. While high-yield debt performance is tied to market and economic cycles lasting about 10 years, that of cat bonds is tied to low probability catastrophes. Frequency of loss in junk bonds is greater than it is for cat bonds. However, the potential principal loss is greater for cat bonds, because they have almost zero recovery value. Diversification & Portfolio Impact Cat bonds' performance is linked to factors such as natural disasters, longevity risk, or life insurance mortality, and not to broader financial market risks. However, in periods of economic stress, markets experience a flight to quality and correlations between risk assets increase. Therefore, the benefits of portfolio diversification dissolve when they are needed most. This is not the case with cat bonds, however, as correlations with other assets (Table 4) have remained stable over time. This makes them a potentially useful diversification instrument in multi-asset portfolios. Table 4Cross-Asset Correlation (January 2002 - November 2017) To test this, we perform a typical portfolio analysis whereby we add cat bonds to a conventional portfolio and investigate the impact on the return and risk of the portfolio (Chart 7). Starting with the most traditional allocation of 60% equities and 40% bonds, we augment the portfolio with a 10% allocation to cat bonds and come up with the following results: Replacing equities with cat bonds leads to the largest reduction in portfolio volatility, and a small decrease in annualized returns. This new portfolio generates equity-like returns, but with a smaller correlation with stocks. Replacing traditional fixed income with cat bonds leads to a large increase to annualized returns, while the impact on volatility is virtually non-existent. The largest positive impact on risk-adjusted returns occurs when cat bonds replace equities, because the reduction in volatility is substantially greater than the increase in returns when cat bonds replace traditional bonds. We also ranked the MSCI All-Country World equity and Bloomberg Barclays Global Aggregate Bond indices from worst to best monthly returns and then overlaid the corresponding cat bond returns for each ranked month (Chart 8). This technique removes randomness from the time series in order to view the relative randomness of the other. We have the following findings: Cat bonds have had only three months that delivered a return less than -2%. These were -2.1% in September 2005 during Hurricane Katrina, -3.6% in March 2011 during the Tohoku earthquake and tsunami in Japan, and -5.8% in September 2017 after the severe hurricanes in Texas, Florida and the Caribbean. Other than catastrophe-related events, cat bond returns have been stable. Cat bonds displayed no reaction when equities had their most negative months. But they tend to have relatively stronger returns when equities also have positive months. Cat bonds performed well in both good and bad months for traditional fixed income. This shows that causes of traditional bond market losses and cat bond principal loss have little or no bearing on one another. Since cat bonds have a large negative skew and high excess kurtosis, investors can potentially lose all their capital if the bonds are triggered. When allocating to cat bonds, investors need to maintain a well-diversified position in order to minimize the risk of complete capital wipeout. This can be done by carefully picking bonds covering different perils (i.e. earthquakes, wind, extreme mortality), regions and trigger types (Chart 9). As a broader range of perils come to the market, investors will find increasing avenues for diversification within the asset class. Investors can also benefit from very low correlations within the cat bond universe, where returns from cat bonds covering a specific peril have no bearing on returns from cat bonds covering another peril. Chart 7Portfolio Diversification Chart 8Attractive Monthly Returns Chart 9Diversifying Across Perils, Coupon Rate And Expected Loss Financial Market Stress Having established that underlying market developments have no bearing on cat bond performance, we want to address two further important questions: 1) do financial crises affect cat bond returns? 2) do natural catastrophes trigger financial crises? Looking at previous global market crisis scenarios dating back to 2008 (Chart 10), we see that cat bonds had positive absolute returns during all crisis periods. The only period with negative cat bond returns was during the 2008 Lehman Brothers' collapse, when the bank was the swap counterparty for two bonds that defaulted. Large natural catastrophes do not affect broader capital markets, but do tend to have a large local impact. In August 2005, Hurricane Katrina, with damages totaling $108 billion, became the costliest hurricane to date in the U.S. The hurricane triggered a cat bond, and the index was down 2.1%, but there was no noticeable lingering impact on the U.S. economy. On the other hand, the earthquake and tsunami in Tohoku on March 11, 2011 had devastating effects. With damages exceeding $300 billion (approximately 5% of Japanese GDP), the cat bond index dropped 3.6%, and Japanese equities collapsed 7.3%. Moreover, a big earthquake in a major city or region such as Tokyo or California could have the capacity to trigger a global recession. Finally, looking at past major catastrophes (Chart 11), we see that existing cat bond prices do not fully recover to their pre-catastrophe levels. Accordingly, picking up bonds at a discount may not generate the expected return as price levels struggle to fully recover. Chart 10Outperformance Across The Board Chart 11Not A Full Recovery Interest Rate & Inflation Hedge Traditional bonds with fixed coupon payments underperform in a rising rate environment. Since cat bonds receive a floating-rate coupon along with the fixed premium, they are largely immune to rising rates. When central banks hike rates, the principal of the bonds invested in money market assets will produce a higher return, thereby offering investors a powerful shield against possible inflation, as well. Since the total coupon received by investors includes a fixed and floating component, cat bonds have a lower modified duration relative to similar maturity traditional bonds. Conclusion Despite their abnormal return distributions, we recommend investors allocate capital from their "alternatives" bucket toward cat bonds. Against a backdrop of low yields and investor complacency, cat bonds are highly attractive given their potential for consistently robust returns and, perhaps most importantly, tremendous diversification benefits. Still, allocations should be relatively small given the illiquid nature of the cat bond market, and diversification among bonds and issuers is critical due to the potential for large losses in the event that a cat bond is triggered. Aditya Kurian, Research Analyst Global Asset Allocation adityak@bcaresearch.com
Highlights Yield Curve & Fed: The yield curve will not invert until inflation has first recovered to the Fed's target. This means that a period of curve steepening is likely, driven either by rising inflation or a more dovish Fed. Corporate Sectors: Expect less extra compensation from increasing the riskiness of corporate bond portfolios in 2018. The Energy, Communications, Basic Industry, Financial and Technology sectors offer the best risk-adjusted value. Economy & Inflation: All signs are that economic growth has accelerated in recent months. Decelerating consumer credit growth and rising consumer delinquency rates do not yet pose a risk to future spending. Feature Long-term interest rates have trended lower in recent months even as the Federal Reserve has raised the level of the target federal funds rate by 150 basis points. This development contrasts with most experience, which suggests that, other things being equal, increasing short-term interest rates are normally accompanied by a rise in longer-term yields. [...] The broadly anticipated behavior of world bond markets remains a conundrum. - Alan Greenspan, February 20051 By the end of the week the Fed will have raised interest rates by 125 basis points since December 2015, yet the 10-year Treasury yield has risen only 7 bps (Chart 1). But unlike in 2005, there is no bond conundrum. On the contrary, the reason for low long-maturity Treasury yields is easily understood. Chart 1What Conundrum? Quite simply, the Federal Reserve has been lifting interest rates in-line with its projections for rising inflation, but markets are trading off the fact that this inflation has yet to materialize. The compensation for inflation protection embedded in 10-year yields is only 1.88%. Historically, when core inflation is close to the Fed's 2% target, compensation for inflation protection has traded in a range between 2.4% and 2.5%. Essentially, Fed rate hikes have lifted short-maturity yields but low inflation is keeping long-maturity yields depressed. The result is that the 2/10 Treasury slope has flattened all the way down to 58 bps from 128 bps in December 2015 (Chart 1, bottom panel). What should be clear is that the current paths of inflation and the yield curve are unsustainable. If the Fed continues to hike rates but inflation fails to rise, then the yield curve will invert in the coming months - a signal that bond investors anticipate a recession - and the Fed will have not achieved its inflation target. Such an obvious policy error will not be permitted to occur, which leaves us with three possible outcomes for Fed policy and the Treasury curve during the next six months. 1) The Fed Is Right In this scenario inflation starts to rebound in the coming months, pushing the compensation for inflation protection embedded in long-dated bond yields higher (Chart 2). This would certainly cause long-maturity nominal yields to increase and would probably impart a steepening bias to the yield curve, depending on how quickly the Fed lifts rates.2 BCA's Outlook for 2018 makes the case for why inflation is likely to bottom in the coming months, and we view the "Fed is Right" scenario as the most likely outcome.3 Chart 2Fed Expects Higher Inflation 2) The Fed Is Proactive In this scenario the Fed recognizes there is a risk of tightening the yield curve into inversion - and the economy into recession - if inflation stays low. It therefore proactively adopts a more dovish policy stance to prevent the yield curve from inverting. The likely first step would be signaling a slower pace of rate hikes in this week's Summary of Economic Projections. The yield curve would also steepen in this scenario, but this time a bull-steepening where short-maturity yields fall more than long-maturity yields. At least one FOMC member already seems worried enough to take this sort of action. St. Louis Fed President James Bullard said two weeks ago that: "Given below-target U.S. inflation, it is unnecessary to push normalization to such an extent that the yield curve inverts".4 But other policymakers are less concerned. Cleveland Fed President Loretta Mester downplayed the flat yield curve in a recent interview.5 We view this outcome as the least likely of our three scenarios. With economic growth accelerating (see Economy & Inflation section below), the Fed will likely cling to its forecast that inflation will move higher. If inflation fails to respond, then risky assets will eventually sell off. This brings us to the final scenario. 3) The Fed Is Reactive The Fed does not have a strong track record of proactively responding to low inflation readings, but it does have a strong track record of reacting to tighter financial conditions and risk off periods in equities and credit markets. What's more, if the yield curve continues to flatten, then we are very likely to see credit spreads widen and equities sell off quite soon. At that point the Fed would almost certainly respond by signaling a slower pace of rate hikes. That would steepen the curve and ease the pressure on risky assets. We view this third scenario as more likely than the one where the Fed is proactive. In fact, we observe that the yield curve is already flat enough that the chances of a sell-off in High-Yield corporate bonds relative to Treasuries are high. Using monthly data going back to 1988, we see that a flatter 2/10 Treasury slope is consistent with lower monthly excess returns from High-Yield (Chart 3). We also see that a flatter yield curve is consistent with more frequent risk-off periods (Chart 4). Chart 3Junk Monthly Excess Returns & ##br##Yield Curve (1988-Present) Chart 4% Of Months With Negative High-Yield ##br##Excess Returns (1988- Present) This makes sense intuitively. An inverted yield curve is a well-known recession indicator. This means that when the yield curve is very flat investors are obviously nervous that any new piece of bad news could tip the curve into inversion and signal an end to the economic recovery. In other words, a risk-off episode in junk bonds, like the one witnessed in early November, would be less likely to occur if the yield curve were steeper.6 We would recommend buying the dips on any near-term correction in junk bonds, because the Fed would then be forced to get more dovish and support the credit markets. But unless inflation returns and steepens the Treasury curve from current levels, the risk of just such an episode is high. Corporate Sector Year-In-Review With 2017 nearly in the books, this week we take a quick look back at the performance of the 10 main investment grade corporate bond sectors during the year. Chart 5 shows the excess return for each sector relative to its duration-times-spread (DTS) from the beginning of the year. DTS is a common measure of risk for corporate bonds, and can be thought of much like an equity's beta. When the overall corporate bond market is rallying, then high-DTS sectors tend to perform better. Conversely, when corporate bonds underperform Treasuries, then high-DTS sectors tend to lose more than the low-DTS alternatives. As can be seen in Chart 5, given that 2017 was a risk-on year, high-DTS sectors tended to outperform low-DTS sectors with a few exceptions. The Basic Industry sector and Financials performed much better than their DTS alone would have predicted, while the Communications sector performed much worse than its DTS would have predicted. Looking ahead into 2018, we make the following observations: Excess returns for investment grade corporate bonds are likely to be lower in 2018 than in 2017.7 In turn, this means that the Credit Risk Premium - the extra return earned for taking an additional unit of DTS risk - will also be lower. We calculated the Credit Risk Premium for each year since 2000 by performing a regression of annual excess returns for each of the 10 major sectors versus their beginning-of-year DTS. The beta from that regression represents the additional return earned that year from taking an extra unit of DTS risk. Chart 6 shows that this Credit Risk Premium is an increasing function of excess returns for the overall corporate sector. Logically, if the year ahead is likely to deliver lower excess returns for the overall index, then we should also expect less additional return from increasing the DTS risk of our corporate bond portfolios. Chart 52017 Corporate Sectors ##br##Excess Returns* Vs DTS** Chart 6Excess Returns* Vs ##br##Credit Risk Premium Second, we use our corporate sector model - a model that adjusts each sector's spread by its average credit rating and duration - to identify sectors that have the potential to outperform their DTS in the coming months. This model is updated each month in our Portfolio Allocation Summary.8 The most recent update shows that the high-DTS Energy, Basic Industry and Communications sectors are all attractively valued. The most attractive low-DTS sectors are Financials and Technology (Chart 7). Chart 7Risk-Adjusted Value In Corporate Sectors* Bottom Line: Expect less extra compensation from increasing the riskiness of corporate bond portfolios in 2018. The Energy, Communications, Basic Industry, Financial and Technology sectors offer the best risk-adjusted value. Economy & Inflation Does Consumer Credit Growth Put The Recovery At Risk? Last week's employment report showed a sharp increase in aggregate hours worked and suggests that U.S. economic growth has indeed shifted into a higher gear. We use a combination of year-over-year growth in aggregate hours worked and average quarterly productivity growth since 2012 to get a rough tracking estimate for U.S. real GDP growth. After last Friday's report this proxy is up to a healthy 3.1% (Chart 8). Last Friday's Consumer Sentiment data also suggest that consumer spending, the largest component of U.S. GDP, will stay firm in the coming months (Chart 9). While consumer credit growth has started to slow (Chart 9, panel 2) and consumer delinquencies are starting to rise (Chart 9, bottom panel), we are not yet inclined to view those trends as risks to the economic recovery. Chart 8Growth Tracking Well Above Trend Chart 9Credit Growth Falling & Delinquencies Rising First, notice that prior to the onset of recession, consumer spending growth tends to decline while consumer credit growth accelerates. It is only well after the recession begins that consumer credit growth follows spending growth lower. This chain of events is highly logical. In the late stages of the recovery households first start to see their incomes decline and then turn to credit to support their spending needs. Eventually, banks make consumer credit less available and consumer credit growth also decelerates, but we are already well into the recession by then. Chart 10Bank Lending Standards In fact, judging by the patterns observed in the lead up to the last two recessions, the warning sign for the economic recovery would be if consumer credit growth is rising while consumer spending growth is falling. So far this pattern has not been observed. Potentially more troubling is the increase in the consumer credit delinquency rate. Delinquencies do tend to rise prior to the onset of recession, although at the moment delinquencies are rising off an extremely low base. It is possible that after having kept lending standards very stringent for several years after the Great Recession, an uptick in delinquencies off historically low levels simply reflects a return to "business-as-usual" for banks. In fact, the Federal Reserve's Senior Loan Officer Survey showed a large tightening of consumer lending standards during the crisis, but then a moderate easing from 2010 until quite recently (Chart 10). Further, the most recent Senior Loan Officer Survey showed an increase in banks' willingness to extend consumer installment loans. Historically, this has been associated with falling consumer delinquency rates (Chart 10, bottom panel). Bottom Line: All signs are that economic growth has accelerated in recent months. Decelerating consumer credit growth and rising consumer delinquency rates do not yet pose a risk to future spending. Ryan Swift, Vice President U.S. Bond Strategy rswift@bcaresearch.com 1 https://www.federalreserve.gov/boarddocs/hh/2005/february/testimony.htm 2 For a look at what different combinations of Fed rate hikes and long-maturity yields mean for the slope of the yield curve please see U.S. Bond Strategy Special Report, "2018 Key Views: Implications For U.S. Fixed Income", dated November 28, 2017, available at usbs.bcaresearch.com 3 Please see BCA Special Report, "Outlook 2018: Policy And The Markets: On A Collision Course", dated November 20, 2017, available at www.bcaresearch.com 4 https://www.stlouisfed.org/from-the-president/speeches-and-presentations/2017/assessing-yield-curve 5 https://www.bloomberg.com/news/articles/2017-12-01/fed-s-mester-shrugs-off-flattening-yield-curve-in-call-for-hikes 6 Please see U.S. Bond Strategy Special Report, "Junk Bond Jitters", dated November 21, 2017, available at usbs.bcaresearch.com 7 Please see U.S. Bond Strategy Special Report, "2018 Key Views: Implications For U.S. Fixed Income", dated November 28, 2017, available at usbs.bcaresearch.com 8 For the most recent update please see U.S. Bond Strategy Portfolio Allocation Summary, "A Higher Gear", dated December 5, 2017, available at usbs.bcaresearch.com Fixed Income Sector Performance Recommended Portfolio Specification
Dear Client, I recorded a webcast with my colleague Caroline Miller earlier this week. Caroline and I discussed the recent tax legislation in the U.S. and other key investment topics. I hope you will find the time to listen in. I am also happy to announce that going forward, in addition to sending you my regular reports, I will be sharing my thoughts on the economy and markets through Twitter. Best regards, Peter Berezin, Chief Global Strategist Highlights Some profit taking is likely over the next few weeks as U.S. equities discount a more realistic assessment of how lower tax rates will affect corporate cash flows. The cyclical picture for the U.S. and the global economy remains bright, implying that any correction will be short-lived. History suggests that the 7th and 8th innings of business-cycle expansions are often the most profitable for equity investors. With another recession still at least a year away, it is too early to get bearish on stocks and other risk assets. Feature Tax Cuts Arrive Early We had expected the Republicans in Congress to deliver on their pledge to cut taxes, but thought that the legislative process would drag on for longer than it did. In the end, the Senate was able to pass a hastily negotiated bill, giving Donald Trump his first major political victory. The question is where things go from here. The Senate and House bills still need to be reconciled. We do not anticipate much drama in that regard, given the broad similarities between the two versions. The bigger issue is how the legislation will affect the economy and markets. The Joint Committee on Taxation (JCT) estimated in mid-November that the original Senate version of the bill would raise the level of real GDP by an average of 0.8% over the ten-year budget window.1 It is reasonable to assume that the final bill will boost GDP by a similar amount. The impact on growth is likely to be somewhat front-loaded, given that several provisions will either expire or be phased out after five years. We expect real GDP growth to be 0.2%-to-0.3% higher in 2018 and 2019 as a result of the legislation. This is not a particularly large effect, which explains why the bond market reaction has been fairly muted. The impact on corporate profits will be more pronounced, but even here, one should keep things in perspective. The final bill is likely to reduce corporate taxes by about $350 billion over the next ten years. The JCT's baseline assumes corporate tax receipts of $3.9 trillion over the next decade. Thus, the bill will probably reduce the effective corporate tax rate by a bit less than two percentage points, taking it down from 19% to 17%. This, in turn, implies an increase in after-tax corporate cash flows of about 2.5% (i.e., 83 divided by 81). The market ran up a lot more than that over the past few months. Thus, we would not be surprised to see some profit-taking over the coming weeks. Cyclical Picture Still Bright If such a stock market correction occurs, it would represent a buying opportunity. Historically, recessions and bear markets have gone hand in hand (Chart 1). Right now, none of our recession indicators are warning of an imminent downturn (Chart 2). Chart 1Recessions And Bear Markets Usually Overlap Chart 2ANo Imminent Risk Of A U.S. Recession Chart 2BNo Imminent Risk Of A U.S. Recession This reassuring conclusion is consistent with the signal from our forthcoming MacroQuant Model, which we will be discussing in greater detail in the months ahead. This ground-breaking model examines dozens of variables, including a number of BCA's proprietary indicators, in order to consistently and accurately project returns across the key asset classes, geographies, and time horizons. Currently, the model is flagging a somewhat elevated risk of a temporary pullback, but continues to give a highly bullish reading on the cyclical (6-to-12 month) outlook (Chart 3). Chart 3BCA's MacroQuant Model Still Likes Equities The model's auspicious assessment largely stems from the strength of recent economic data in the U.S. and around the world. Global growth estimates continue to grind higher (Chart 4). In the U.S., the new orders component of the ISM manufacturing index rose to 64 in November, while the inventory component sank to 47. We have found that the gap between the two is a powerful predictor of stock market returns (Chart 5). The current gap is in the 87th percentile of its historic range. By the same token, core durable goods orders, initial unemployment claims, capex intentions, consumer and business confidence, global PMIs, and most other leading indicators paint a fairly upbeat picture. Chart 4Global Growth Projections Are Trending Higher Chart 5ISM As A Predictor Of Market Returns The euro area and Japan also continue to grow at a robust pace (Chart 6). Somewhat worryingly, China has seen growth tick down a notch in recent months (Chart 7). However, the evidence so far suggests that growth has merely slowed from an above-trend pace back towards potential. Nominal GDP rose by 11.2% year-over-year in Q3 2017, up from 6.4% in Q4 2015. Producer price inflation has gone from as low as negative 5.9% in September 2015 to 6.9% at present. Core CPI inflation has also accelerated, rising to 2.3% in October (Chart 8). In this light, recent efforts by the authorities to expedite structural reforms are coming at an opportune time. Chart 6Positive Growth Momentum ##br##In The Euro Area And Japan Chart 7Growth Has Ticked Down##br## In China... Chart 8... But Merely From##br## An Above-Trend Pace Too Early To Bail Out Of Stocks Table 1Stocks And Recessions: Case-By-Case All good things must come to an end. As we discussed in our latest Strategy Outlook, the global economy is likely to fall into recession in late 2019.2 Markets will sniff out a recession before it happens, but in general, the lag time between when markets peak and when recessions begin does not tend to be very long. Table 1 shows that the lag has averaged seven months during the post-war era, with the past three recessions featuring an average gap of only four months. In fact, history suggests that the 7th and 8th innings of business-cycle expansions are often the most profitable for investors. The S&P 500 has delivered an average annualized real total return of 14.2% since 1950 in the 13-to-24 months prior to past U.S. recessions (Table 2). This exceeds the average return of 10.1% during business-cycle expansions. The S&P has returned 8% at an annualized pace in the 7-to-12 months prior to past recessions. While this is below the average return during past expansions, it is still well above the average return on bonds and cash during the corresponding periods. Moreover, the performance of stocks in the 7-to-12 month period preceding recessions has improved sharply over the past few business cycles. The S&P 500 generated an annualized real total return of 22.2%, 20%, and 13.6% in the 7-to-12 months prior to the beginning of the 1990-91, 2001, and 2007-09 recessions, respectively. Table 2How Have Stocks Performed Prior To Recessions? Stocks only begin to underperform in a meaningful way in the six months before the recession and continue to underperform in the initial phase of the downturn. Thus, even if one had known with complete certainty that a recession was coming, getting out of stocks more than six months in advance of the downturn would have been a mistake. Bottom line: With another recession still at least a year away, it is too early to get bearish on equities and other risk assets. Peter Berezin, Chief Global Strategist peterb@bcaresearch.com 1 Please see "Macroeconomic Analysis Of The "Tax Cut And Jobs Act" As Ordered Reported By The Senate Committee On Finance On November 16, 2017," The Joint Committee On Taxation, U.S. Congress (November 30, 2017). 2 Please see Global Investment Strategy Outlook, "A Timeline For The Next Five Years," dated December 1, 2017. Strategy & Market Trends Tactical Trades Strategic Recommendations Closed Trades
Special Report Highlights Dear Client, I'm on the road this week teaching the BCA Academy in Chicago. Instead of our regular Weekly Report, we are sending you a Special Report written by my colleague Juan Manuel Correa. His piece, "Riding the Wave: Momentum Strategies in Foreign Exchange Markets," focuses on the application of momentum strategies in the FX space. More specifically, Juan lays out the case that momentum is now pointing to upside in the U.S. dollar. I trust you find his report both informative and enjoyable. Best regards, Mathieu Savary, Vice President, Foreign Exchange Strategy Feature Merchant: In this chaos of opinions, which is the most prudent? Shareholder: To go in the direction of the waves, and not fight against powerful currents - Confusion de Confusiones, Joseph de la Vega, 1688. Since the invention of financial markets, momentum has captivated the minds of investors, economists and general speculators. As early as 1688, the Spanish merchant Jose de la Vega became the first market observer to document the powerful forces of momentum in the primitive financial markets of Amsterdam.1 Since then, a number of academic studies have confirmed that momentum strategies deliver significant excess returns, even when traditional risk factors are taken into account.2 Because the success of momentum flies in the face of the Efficient Market Hypotheses, academia has tried to understand this phenomenon. Transaction costs, short-selling constraints and unsophisticated market participants have been among some of the explanations advanced and more widely accepted. However, there is still no real consensus as to why momentum strategies work. Foreign exchange markets present themselves as a fascinating space to study momentum, given that FX markets are:3 a) Very liquid, and possess very low transaction costs; b) Include no short selling constraints; c) Are populated by very sophisticated investors. So how successful are momentum strategies in foreign exchange markets? More specifically: In what time frame does momentum work best? In which currencies or crosses are momentum strategies more effective? Are there any macroeconomic factors that influence the success of a momentum strategy? Generally, momentum in financial markets is defined as the positive correlation between past and future returns. Momentum can either refer to time series momentum (buy/sell a currency which has had positive/negative returns) or cross-sectional momentum (buy the best-performing currencies and sell the worst-performing currencies). In this report, we will focus on time-series momentum. We use moving average crossovers to generate signals. We chose this technique as it is commonly used by practitioners, and it provides an easy and flexible buy/sell signal. When a short-term moving average crosses a long-term one from below, we buy the cross. Conversely, when it crosses it from above, we short the cross. While it is true that this technique does not follow the strict definition of momentum, it is a close enough proxy, as it takes into account the relative acceleration of the price. Furthermore, we tested 15 different combinations of moving averages on all 45 crosses in the G10, on a sample of nearly 29 years. By doing this we do not bias our analysis to dollar pairs or to any particular strategy. For more details on the methodology, please see Appendix A. Wave Watching: Observations On Historical Returns Our strategies consist of 15 different combinations of 1-month, 2-month, 3-month, 6-month, 12-month and 24-month moving averages. On average, momentum strategies had an annualized spot return of 0.5% and a carry return of 0.9% from when our sample period started in January 1989 to its end in October 2017 (Chart I-1). Furthermore, most strategies provided positive returns on average (see Appendix B) while substantially decreasing drawdowns (see Appendix D, Table 1). Chart I-1Momentum Across History However, some strategies performed better than others. On average, we found that momentum strategies based on the "medium-term" - i.e. when the slower of the two moving averages necessary to generate the crossovers was either 130-days (6-months) or 260-days (12-months) - tended to perform best. In terms of nomenclature in our comparative study, we named each strategy by summing the number of days in the faster moving average and the slower one. The resulting number is the total amount of days considered by the strategy. This way shorter term-focused strategies have lower numbers while longer-term focused strategies have higher numbers (Appendix A, Table 1). We found that risk-adjusted returns for strategies focused on the short term tend to be low: they rise as strategies become more focused on medium-term horizons, and then they drop again when longer term moving-average crossovers are used, following a "hump" pattern (Chart I-2). This pattern holds across the majority of FX crosses (see Appendix C). Our results are consistent with the literature on momentum on other assets classes. Generally, short-term returns tend to be reverting: if an asset's return last month was positive it will likely be negative the following month. The reversal effect tends to also be present in the long-term: if an asset experienced strong positive returns on a multi-year horizon, it is likely to offer negative returns in the subsequent time period. On the other hand, positive return auto correlation, the staple of traditional momentum strategies, tends to be strongest in medium-term time frames.4 Next, we examined the carry component of the strategies. On average, momentum strategies are long carry currencies slightly more often than not, and vice versa with funding currencies. As a result, momentum strategies tend to generate a positive carry (Chart I-3). Chart I-2Medium Term Focused Strategies ##br##Perform Best Chart I-3Momentum Strategies Favor ##br##Carry Currencies... This result is robust across strategies and across currency pairs (see Appendix B & C). Of the 675 different return indexes generated by our various moving average crossover signals, only 108 had a negative carry. So, are momentum strategies and carry strategies one and the same? Not quite. When we tested the correlation between the returns of our G10 carry strategy Index and the returns of all 15 of our momentum indexes, we found it to be nearly zero. Furthermore, we found that the spot returns of momentum strategies tended to increase in periods of increasing G10 implied volatility (Chart I-4). This stands in stark contrast to carry strategies, which are allergic to any increase in volatility.5 Chart I-4...But Momentum Also Likes Volatility We also tested for which crosses momentum strategies worked best. We found that commodity crosses tend to be the worst performers, with the least reliable and least rewarding signals. Meanwhile, pairs involving the yen or the U.S. dollar in one of the legs tended to perform the best by a wide margin, in both spot terms and carry terms (Chart I-5). Chart I-5AMomentum Winners: ##br##USD And JPY Crosses Chart I-5BMomentum Winners: ##br##USD And JPY Crosses Bottom Line: Historically, momentum strategies have provided positive returns. However, medium term-focused strategies tend to perform best. Momentum strategies also tend to produce positive carry, even though their spot return rises along with volatility. Finally, crosses involving a USD or JPY leg tend to provide the best momentum returns. Characteristics Of Momentum: Wave Patterns And Surfing Lessons We opted to take an unconventional approach from the plethora of academic research trying to understand momentum. However, to do so, we needed to momentarily step away from financial markets and instead dive in another field where riding waves is paramount: surfing. Diagram 1Oceanic Wave Patters Oceanic waves are produced by the wind. When wind blows across the surface of the ocean, the force is transferred to the water and generates swell, which is a group of travelling waves.6 However not all swell is created equally. There are two main types of swell: groundswell and windswell. Groundswell is the result of powerful winds or storms thousands of miles away from shore. These strong storm systems far away in the ocean tend to generate smooth and infrequent waves. These are the best waves for surfing, as these waves create enough power for a surfer to gain great balance and thus, ride the wave for a long period of time (Diagram 1 - Top Panel). On the other hand, windswell refers to swell created by local winds. These local winds tend to generate smaller waves and choppy waters, which makes for lower-quality surfing (Diagram 1 - Bottom Panel). This insight from surfing can be translated to financial markets. Much like a surfer at the beach, a momentum player would prefer smooth waves in the currencies he or she trades, as these types of waves can provide consistent signals that he or she can take advantage of. We therefore tested whether currencies that behave like groundswell tend to have higher risk-adjusted momentum returns than currencies that behave like windswell. How can we test this numerically? We found that volatility is not the right measure to capture this particular wave pattern, as it does not account for smoothness (see Appendix D). Instead, we measured smoothness by calculating a cross's average 1-year fractal dimension,7 a modification of an indicator championed by BCA's European Investment Strategy's Dhaval Joshi. A low average fractal dimension over that 1-year window indicates that more often than not a cross has been following a smooth trend, while an elevated fractal dimension indicates a cross that has been range-bound.8 We invert this number, giving higher numbers to smoother, trending crosses and lower numbers to jagged, noisy crosses. We call this the "Wave Smoothness Indicator," and it turns out to be highly correlated to risk-adjusted momentum returns for crosses in the G10, particularly if we take out managed crosses like EUR/CHF, EUR/SEK, and EUR/NOK (Chart I-6). To further illustrate this point, we sorted all crosses by their median risk-adjusted returns across all the moving-average crossover strategies we tested. We then looked at the five crosses where our momentum strategies delivered the higher risk-adjusted returns against the five crosses where the strategies fared the worst (Chart I-7A & Chart I-7B). The best currencies to execute momentum strategies have long and smooth cycles, while the worst ones exhibit much more noise. Chart I-6Wave Dynamics And Momentum Returns Chart I-7AGroundswell: Paradise For Momentum Surfers Chart I-7BWindswell: No Wave Riding In Choppy Waters As a result, it is apparent that smoothness is a crucial factor behind successful momentum trading, at least in the FX space. For example, while AUD/NZD displays long cycles, these gyrations are not smooth. Consequently, moving-average crossover strategies work badly for this cross, as it is too noisy to provide reliable buy/sell signals. Bottom Line: Analogous to the dynamic between surfers and oceanic waves, currencies that have long and smooth cycles (groundswell) tend to provide better returns than currencies which have small and noisy cycles (windswell). Storm Warning: Macro Determinants Of Momentum What factors make a currency behave more like groundswell as opposed to windswell? In order to gain some understanding, let's look at the crosses where momentum strategies worked best in our sample: the USD crosses and the JPY crosses. The yen and the dollar experience such strong and broad-based trends that for any cross, simply being correlated to the trade-weighted dollar and the trade-weighted yen makes for a good predictor of whether this currency pair will experience strong momentum-continuation behavior. Moreover, in line with our results above, crosses with a high correlation to these currencies also tend to exhibit stronger groundswell patterns (Chart I-8). What is so special about the dollar and the yen? The oceanic waves once again offer a clue. Recall that groundswell is generated by powerful oceanic storms. Similarly, the trade-weighted dollar and yen are ultra-sensitive to two of the most powerful forces in the global economy: global trade dynamics and global risk aversion (Chart I-9). Chart I-8JPY And USD Determine Wave ##br##Patterns In Currency Markets Chart I-9The Powerful Winds Of ##br##The Global Economy Global trade and risk aversion generate strong and well-defined waves, which makes any cross that is highly correlated to them fertile ground for implementing momentum strategies. Moreover, due to their sheer strength, these economic forces are subject to extremely strong feedback loops that reinforce the groundswell pattern present in "momentum" currencies. How exactly do these feedback loops work? Let's begin with the USD. The U.S. economy has a low beta to global growth, as it is a relatively closed economy where manufacturing represents a small share of both employment and gross value-added. Thus, when global trade accelerates, the U.S. economy does not benefit as much as other large blocs, and the dollar depreciates (Chart I-10). However, a fall in the dollar also helps global trade, as the world economy, particularly EM economies, carry large liabilities in U.S. dollars. Thus, when the dollar falls, the cost of financing global trade decreases, which in turn generates more trade, more investment, and more growth. This is a very powerful feedback loop. Although related, the yen cycle is slightly different, as it is more related to risk aversion and liquidity, given that the yen is the funding currency of choice for carry traders. When global economic activity is strong, carry trades distribute funds from places where liquidity is plentiful like Japan to places that offer high-return at the cost of higher risk (Chart I-11). So long as returns are elevated in the nations sporting high-carry currencies, more liquidity flows into these economies, supporting additional growth and returns. However, this virtuous cycle can become a vicious one when volatility rises, as liquidity can be quickly drained when Japanese investors repatriate home funds from abroad, and carry traders close their positions, selling the high-carry currency and covering their shorts in the funding ones. This not only appreciates the yen relatively to riskier currencies but also worsens the economic outlook and return profile of the carry currencies.9 Chart I-10The U.S. Economy Is Less ##br##Sensitive To Global Growth Chart I-11Japan Is The World's ##br##Provider Of Liquidity These dynamics also explain why momentum strategies tend to be more frequently long-carry currencies than funding ones. Simply put, risk-on cycles tend to be longer than risk-off ones. Chart I-12 shows how momentum strategies tend to overweight funding currencies on the rare occasions when volatility spikes, which makes their spot returns higher than their carry returns during those instances. On the other hand, when volatility is low, momentum strategies buy carry currencies, adding an additional benefit beyond their spot returns. Chart I-12Momentum Overweighs Carry More Often, ##br##Because Greed Is More Common Than Fear Meanwhile, risk-off cycles may be short-lived but they tend to be very intense. Thus, buying the funding currencies as they start generating higher momentum can deliver very quick, very powerful gains. This also helps elucidate the seeming paradox whereby momentum trades in the FX space see an accelerating pace of gains when volatility rises. This makes momentum strategies more agile than carry strategies. Importantly, understanding the link between momentum and the exposure to global factors like global trade as well as risk aversion explains why pairs where both legs of the cross are commodity currencies perform so badly as momentum plays. Much like windswell is generated by local winds, crosses from commodity producers like AUD/NOK or AUD/NZD have a diminished sensitivity to global factors, and instead are mostly driven by relative commodity dynamics or even relative domestic dynamics - forces akin to a localized wind system. With all of the above considered, we conclude the following: In the G10 currency space, momentum strategies will provide high profits on crosses that are driven by powerful systematic forces, and will provide lower returns from crosses driven by more idiosyncratic forces. It thus seems that an investor profiting from momentum in the FX space is not exploiting a market inefficiency, in the strictest academic terms, but rather a fundamental trait of each currency. Finally, we are not suggesting moving-average crossovers are the only mean to generate momentum-based buy and sell signals for currencies. But MA crossovers are a simple yet powerful indicator that provides timing signals in the foreign exchange market. Bottom Line: Currencies that are driven by powerful systematic forces will provide better momentum returns than currencies driven by weak idiosyncratic forces. Global forces like trade dynamics and risk aversion will generate groundswell-like wave patterns that are optimal for momentum strategies. Investment Implications Based on the observations made in this report, we have created a list of five rules of thumb for investors to consider when using momentum in currency markets: When using moving averages to assess momentum, the slower of the two moving averages should have a rolling window between 6-months and 12-months in order to generate superior signals. This gives credence to the commonly used 200-day moving average. Meanwhile, the faster of the moving averages should not exceed 3-months. Currencies that have long, powerful and smooth cycles (groundswell) will tend to provide better returns that currencies that have short, choppy and weak cycles (windswell). Moreover, currencies with a groundswell pattern will tend to be driven by powerful systematic factors, while currencies with a windswell pattern will be driven by weaker idiosyncratic factors. More specifically, investors should try to capture momentum in global risk aversion and global trade. The currencies that best follow these criteria are the JPY and USD crosses. What is momentum telling us now? The financial world continues to be in a risk-on mood. As glee rather than fear has taken hold of investors, momentum continues to point to further downside in the yen (Chart I-13). Chart I-13Plentiful Liquidity Is Supporting Momentum##br## In This Risk-On Environment... Chart I-14...But Global Growth Is##br## Starting To Peak On the other hand, momentum seems to be favoring the dollar right now. Global trade is very strong, but signs are accumulating that it may begin to slow after a spectacular couple of years. The faster moving 1-month/6-month moving-average crossover signals that the dollar is a buy, while the 1-month/200-day is also relatively close (Chart I-14). This means that at the very least, investors should be reducing their short dollar exposures. Juan Manuel Correa, Research Analyst juanc@bcaresearch.com Mathieu Savary, Vice President Foreign Exchange Strategy mathieu@bcaresearch.com 1 Gray, Wesley R., and Jack R. Vogel. "Quantitative Momentum a Practitioner's Guide to Building a Momentum-Based Stock Selection System." Quantitative Momentum a Practitioner's Guide to Building a Momentum-Based Stock Selection System, Wiley, 2016. 2 Jegadeesh, Narasimhan and Sheridan Titman, "Returns to Buying Winners and Selling Losers: Implications for Stock Market Efficiency" Journal of Finance, 48(1): 65-91 (1993) 3 Lukas Menkhoff, Lucio Sarno, Maik Schmeling and Andreas Schrimpf, "Currency Momentum Strategies" (2011) 4 Gray, Wesley R., and Jack R. Vogel. "Quantitative Momentum a Practitioner's Guide to Building a Momentum-Based Stock Selection System." Quantitative Momentum a Practitioner's Guide to Building a Momentum-Based Stock Selection System, Wiley, 2016. 5 Please see Foreign Exchange Strategy Special Report, titled "Carry Trades: More than Pennies And Steamrollers", dated May 6, 2016, available at fes.bcaresearch.com 6 "Wave Energy, Decay and Direction." Surfline.com, 2017, www.surfline.com/surfology/surfology_forecast_index.cfm. 7 Bruno, R. and Raspa, G. (1989). Geostatistical characterization of fractal models of surfaces. In Geostatistics, Vol. 1 (M. Armstrong, ed.) 77-89. Kluwer, Dordrecht. 8 For more insights into application of fractals in finance please see European Investment Strategy Special Report, titled "Fractal Dimension And Market Turning Points", dated July 24, 2014, available at eis.bcaresearch.com 9 For a more detailed discussion of how carry trades generate virtuous and vicious circles in the economies of high-carry currencies, please see Foreign Exchange Strategy Weekly Report, titled "Canaries In The Coal Mine Alert: EM/JPY Carry Trades", dated December 1, 2017, available at fes.bcaresearch.com Appendix A: Methodology Appendix AFormula 1 Table 1Days Used By Each Strategy Appendix B: Momentum By Strategy Chart II-1A1-Month/2-Month Momentum Strategy Chart II-1B1-Month/2-Month Momentum Strategy Chart II-2A1-Month/3-Month Momentum Strategy Chart II-2B1-Month/3-Month Momentum Strategy Chart II-3A1-Month/6-Month Momentum Strategy Chart II-3B1-Month/6-Month Momentum Strategy Chart II-4A1-Month/12-Month Momentum Strategy Chart II-4B1-Month/12-Month Momentum Strategy Chart II-5A1-Month/24-Month Momentum Strategy Chart 5B1-Month/24-Month Momentum Strategy Chart II-6A2-Month/3-Month Momentum Strategy Chart II-6B2-Month/3-Month Momentum Strategy Chart II-7A2-Month/6-Month Momentum Strategy Chart II-7B2-Month/6-Month Momentum Strategy Chart II-8A2-Month/12-Month Momentum Strategy Chart II-8B2-Month/12-Month Momentum Strategy Chart II-9A2-Month/24-Month Momentum Strategy Chart II-9B2-Month/24-Month Momentum Strategy Chart II-10A3-Month/6-Month Momentum Strategy Chart II-10B3-Month/6-Month Momentum Strategy Chart II-11A3-Month/12-Month Momentum Strategy Chart II-11B3-Month/12-Month Momentum Strategy Chart II-12A3-Month/24-Month Momentum Strategy Chart II-12B3-Month/24-Month Momentum Strategy Chart I-13A6-Month/12-Month Momentum Strategy Chart II-13B6-Month/12-Month Momentum Strategy Chart II-14A6-Month/24-Month Momentum Strategy Chart II-14B6-Month/24-Month Momentum Strategy Chart 15A12-Month/24-Month Momentum Strategy Chart II-15B12-Month/24-Month Momentum Strategy Appendix C: Momentum By Currency Legs Chart III-1 Chart III-2 Chart III-3 Chart III-4 Chart III-5 Chart III-6 Chart III-7 Chart III-8 Chart III-9 Chart III-10 Appendix D: Other Data Chart IV-1Volatility Does Not Fully Explain ##br##Momentum Returns Chart IV-2Volatility Does Not Fully Explain ##br## Momentum Returns Table 1Worst Sample 1-Month Return Trades & Forecasts Forecast Summary Core Portfolio Tactical Trades Closed Trades
Overweight Selected Companies Dear Client, This week I am away visiting clients in Australia, so we are sending you this report written by my colleague Oleg Babanov (Emerging Market Equity Sector Strategy). Oleg identifies select companies in Austria as excellent conduits to emerging market growth whilst maintaining high standards of corporate governance. Oleg also has a list of top stocks in Poland, Russia and Turkey. Please contact us if you would like to see those additional picks. Dhaval Joshi Highlights We are recommending an overweight position in select Austrian companies on a long-term (one year-plus) time horizon. Austrian-listed companies traditionally have high exposure to Central and Eastern Europe (CEE) and other Emerging Markets (EM), while offering superior corporate governance standards, which secures a premium to EM peers. At the same time, geographically diversified revenues stemming from developed and emerging markets support less-volatile earnings growth and outperformance over the long-term. Table 1Single-Stock Statistics On Select Austrian Companies* Austrian Companies - EM Focused... Companies in Austria have traditionally been active in both Western Europe, with a main focus in Austria and Germany, as well as in the CEE region, providing investors with a unique access to both kind of markets. Sectors with high exposure include financials, with around 56% in emerging markets, consumer discretionary, with 46%, and materials with 45%. Furthermore, in terms of company count, pretty much every listed company in the materials as well as the real estate sector has exposure to emerging markets (Chart I-1A, Chart I-1B, Chart I-1C, Chart I-1D, Chart I-1E, Chart I-1F). Chart I-1AGeographical Revenue Breakdown Austria: ##br##Consumer Discretionary Chart I-1BGeographical Revenue Breakdown Austria: ##br##Financials Chart I-1CGeographical Revenue Breakdown Austria:##br## IT Chart I-1DGeographical Revenue Breakdown Austria:##br## Materials Chart I-1EGeographical Revenue Breakdown Austria: ##br##Real Estate Chat I-1FGeographical Revenue Breakdown Austria:##br## Utilities ...And With High Corporate Governance Standards The Austrian ATX equity index has significantly outperformed the MSCI EM index on both a long-term (+21% over five years and +27% over three years) and short-term time horizon (+12%) (Chart I-2A & Chart 1-2B). Chart I-2AFive-Year Performance: ##br##Austrian ATX Index Vs. MXEF Index Chart I-2BYTD Performance:##br## Austrian ATX Index Vs. MXEF Index We believe part of this outperformance is warranted by better corporate governance standards of Austrian companies, which score highly compared to their emerging market peers on all metrics, with the exception of environmental disclosure (Chart I-3A, Chart I-3B, Chart I-3C, Chart I-3D).1 Effectively such companies are offering investors access to emerging markets with less corporate risk, and better management and disclosure standards. Chart I-3AESG Disclosure Comparison Chart I-3BSocial Disclosure Comparison Chart I-3CEnvironment Disclosure Comparison Chart I-3DGovernance Disclosure Comparison Based on the findings above, we have created a portfolio of six companies from the consumer discretionary, financials, real estate and industrials sectors, combining exposure to emerging markets with a high ESG score and sound operational and financial performance (Table I-2). Table I-2Select Overweight Companies And ##br##12-Month Beta Vs. MSCI EM Sector Specifics Price performance over the past five years has been strong, with our overweight basket outperforming the broad MSCI EM index by 53% (Chart I-4). Valuations between Austrian banks and companies from other sectors are diverging. While non-bank companies are trading at a 16% premium to EM peers on a P/E basis, Austrian banks are trading at a 14% discount to the EM Banks Index on a price-to-book comparison (Chart I-5). Chart I-4Select Austrian Companies Outperforming##br## MSCI EM Index Chart I-5Valuations Are Diverging##br## Depending On Sector Nevertheless, Austrian companies display better bottom-line growth dynamics, helped by recovering performance on an operational level, translating into slightly higher profitability (Chart I-6A, Chart I-6B, Chart I-6C). Chart I-6AA Recovery In Operating Margins Of ##br##Austrian Companies In Late 2015... Chart I-6B...Has Helped EPS Growth To Outstrip EM ##br##Companies Since The End Of 2015... Chart I-6C...While Profitability Is Close ##br##To The EM Average Chart I-7ACash Flow Generation Is Subdued##br## Among Austrian Companies... Furthermore, despite negative cash flow generation for the select basket, Austrian companies have comfortable debt levels, and are paying out higher dividends than EM companies (Chart I-7A, Chart I-7B, Chart I-7C). Chart I-7B...With Debt Levels Close To The EM Average... Chart I-7C...And Dividend Yields Higher Than EM Peers The Overweight Basket Erste Group Bank (EBS AV) Erste Group Bank (EBS AV) (Chart I-8). Chart I-8Performance Since October 2016: ##br##Erste Group Bank vs. MSCI EM Erste Group Bank (EBS AV) reported better-than-expected third-quarter 2017 financial results on November 3. Net interest income stabilized, ticking up 1% year over year, mainly driven by the integration of Citigroup's consumer banking business in Hungary. Net interest margin was still under pressure, down 4 basis points year over year to 2.39%. Net fee and commission income expanded by 4%, supported by fee income, but was offset by trading income deterioration. Operating expenses grew by 3% year over year due to regulatory and IT project costs. With the decrease in provisions offsetting declining operating results, the bottom line rose by 8% year over year. Asset quality showed improvement, with the NPL ratio shrinking by a significant 111 basis points year over year to 4.3%. The company's tier-1 ratio grew by 2 basis points year over year to 13.4%. The market is estimating a 0.2% EPS CAGR over the next four years. We believe operating expenses should grow at a slower pace in the coming quarters, positively affected by decelerating regulatory and IT project investments. At the same time, we expect net interest income to continue to expand, driven by strong macro performance in the CEE region and countercyclical measures by the corresponding central banks. Raiffeisen Bank (RBI AV) Raiffeisen Bank (RBI AV) (Chart I-9). Chart I-9Performance Since October 2016:##br## Raiffeisen Bank vs. MSCI EM Raiffeisen Bank International (RBI AV) reported remarkable third-quarter 2017 financial results on November 14, solidly beating market expectations. Net interest income advanced by 4% year over year, with net interest margin up 4 basis points to 2.47%. Net fee and commission income climbed by 8% year over year, boosted by the bank's payment transfer business but offset by sluggish trading income as well as a one-off litigation cost in Slovakia. However, pre-provisional profit surged by 35% thanks to disciplined cost management. As a result, net income soared 46% year over year, substantially beating market expectations. Asset quality improvement was another positive. The NPL ratio came in at 6.7%, down 200 basis points year over year, aided by slower NPL formation and write-offs. The tier-1 capital ratio expanded by 100 basis points year over year to 13.4%. The market is estimating an 18% EPS CAGR over the next four years. We welcome the bank's digital transformation strategy in Romania. We believe the new version of the banking platform to be launched in 2018 will better support customers' needs and optimize the bank's transaction business. Andritz AG (ANDR AV) Andritz AG (ANDR AV) (Chart I-10). Chart I-10Performance Since October 2016:##br## Andritz vs. MSCI EM Andritz AG (ANDR AV) reported weak third-quarter 2017 financial results on November 3. Revenue contracted by 8% year over year, weaker across all business segments, especially in pulp and paper (-13%). This was reflected by a shrinkage in overall order intakes, down 9% year over year. In terms of geographic exposure, Andritz continues its sales expansion in Europe (+6%) and China (+25%). EBITDA fell 9% year over year, mainly dragged down by the materials business, despite this being moderately compensated by the separation business segment. EBITDA margin was also disappointing across the board, down 20 basis points year over year to 7.2%, except for the hydro segment (+154%). As a result, the bottom line declined by 20% year over year, missing market expectations. Andritz is trading at a forward P/E of 16.5x, while the market is estimating a 4.7% EPS CAGR over the next four years. Despite lower-than-expected third-quarter earnings, we remain bullish on the company, given its strong track record of business growth in difficult environments. Earlier this month, the company won a contract from SaskPower to refurbish a hydroelectric power station in Canada, with a total contract value of more than US$104 million. CA Immobilien Anlagen (CAI AV) CA Immobilien Anlagen (CAI AV) (Chart I-11). Chart I-11Performance Since October 2016: ##br##CA Immobilien Anlagen vs. MSCI EM CA Immobilien Anlagen AG (CAI AV) reported better-than-expected third-quarter 2017 financial results on November 22. Revenue increased by 5.6% year over year, helped by a 10% increase in rental income, as occupancy rates increased in all three major regions (Germany, Austria and CEE). On the operating side, expenses fell by 5% year over year, while income jumped by 21.4% year over year, pushing operating margin higher to 45.8% from 39.8% for the same period last year. The EBITDA grew 11% year over year. As a result of strong top line performance and a further decline in costs, bottom line expanded by 25% year over year on adjusted basis. CA Immo is trading at a forward P/E of 19.5x, while the market is estimating a 6% EPS CAGR over the next three years. Among some of the highlights of this quarter was the successful reduction in financing cost (-22% compared to the first quarter 2017). The new property additions in Budapest and Prague have already positively contributed to the results, and focus is now shifting to the future pipeline, which is heavily tilted towards Germany (in terms of projects). We expect the positive earnings momentum to continue in 2018. UBM Development (UBS AV) UBM Development (UBS AV) (Chart I-12). Chart I-12Performance Since October 2016:##br## UBM Development vs. MSCI EM UBM Development reported better-than-expected third quarter 2017 financial results on November 28. Quarterly revenue fell by 66.5% year over year, but nine-month output volume stood 18% higher, while operating expenses contracted by 66.7% year over year, helped by lower material costs. Nevertheless, operating income decreased by 70% compared to the same period last year, while operating margin finished 70 basis points lower at 7.9%. Pretax income was helped by a one off gain from affiliates, as a result, net profit climbed 10% compared to last year, and 24% for the first three quarters. On adjusted basis bottom line finished the quarter in negative territory. UBM Development is currently trading at a forward P/E of 10x, while the market is forecasting an EPS CAGR of 6.5% over the next three years. The company came close to reaching its debt reduction target of EUR 550 million, despite EUR 164 million of investments in the first half of the year. Improvements on the balance sheet should provide the company with cheaper financing in 2018. Furthermore, sales are on track, with another EUR 120 million of cash sales secured after the third quarter reporting period, bringing UBM close to its full achieving its full-year guidance. DO & CO (DOC AV) DO & CO (DOC AV) (Chart I-13). Chart I-13Performance Since October 2016: ##br##DO & CO vs. MSCI EM DO & CO (DOC AV) announced first-half year financial results on November 16. Revenues dropped by 10% year over year, primarily dragged down by the international event catering segment. EBITDA contracted accordingly, down 13% year over year. However, EBITDA margin remained stable in the international event catering as well as the restaurants and lounges segments. The bottom line came in shy of expectations, shrinking by 18% year over year. We believe the inclusion of a new customer - Juventus soccer club - will boost the margin further in the second-half of the year. DO & CO is trading at a forward P/E of 17.5x, while the market is estimating a 7.2% EPS CAGR over the next four years. The company is fairly valued compared to its five-year average, but trades at up to a 30% discount to its international peers. We believe that DO & CO should be able to crystalize the effects of a strong 2018 pipeline, with new clients in the airline segment (e.g. Lufthansa, and Air China) and the opening of new locations in Los Angeles and Paris (and expansions in London and New York). On a longer-term perspective, the positive outcome on possible construction of a third airport in Turkey would also boost performance. How To Trade? The EMES team recommends gaining exposure to this theme through a basket of listed equities consisting of six overweight recommendations. The main goal is active alpha generation by excluding laggards and including out-of-benchmark plays, to avoid passive index-hugging via an ETF. Direct: Equity access through the tickers (Bloomberg): Erste Group Bank (EBS AV); Raiffeisen Bank (RBI AV); Andritz AG (ANDR AV); CA Immobilien Anlagen (CAI AV); UBM Development (UBS AV); DO & CO (DOC AV). ETFs: iShares Austria Capped ETF (EWO US) provides exposure to all described companies. Funds: Pioneer Funds Austria (VIENTPF AV); 3 Banken Osterrrech-Fonds (3BKOESI AV); Raiffeisen-Oesterreich-Aktien (OSTAKTT AV). Please note this trade recommendation is long term (1Y+) and based on an overweight trade. We do not see a need for specific market timing for this call (for technical indicators please refer to our website link). For convenience, the performance of both market cap-weighted and equal-weighted equity baskets will be tracked (please see upcoming updates as well as the website link to follow performance). Risks To Our Investment Case On a macro level, we see the main risks stemming from possible asset-purchase tapering by the European Central Bank, which could slow GDP growth in Eastern Europe as well as trigger FX weakness and a slowdown in property markets. Taking into account that exposure to this region is high, such a scenario would most likely cause earnings headwinds for the selected companies, especially in the banking sector. Separately, some of the companies have high exposure to Russia and Turkey. Both countries are prone to geopolitical turbulence, as seen in the past, which in turn can negatively affect economic development and negatively affect companies. Company specific risks include higher rates of projects under construction in the real estate sector, with risks of delays and higher input costs inflating budgets. For Andritz, we see the main risk in the slowdown of capex in the European auto segment (which it seems already happened in the second quarter), and the possible need for additional restructuring in the auto division. We also see some regulatory risk for the banking segment from adverse regulations, such as the bank tax introduction already seen in Hungary, or possible increases in bank taxes in Austria. Oleg Babanov, Associate Vice President obabanov@bcaresearch.co.uk Billy Zicheng Huang, Research Analyst billyh@bcaresearch.com 1 BCA Estimates and Bloomberg Data
Special Report Highlights We present BCA Managing Editors' choice of the best investment books of all time. Charles Kindleberger's Manias, Panics And Crashes is our No. 1 favorite. But there are other books in the list - for example, specialist works on asset allocation, FX or tech investing - that may surprise you. Feature This time last year, after the Global Asset Allocation (GAA) service published its list of the best finance books of 2016,1 we received a number of requests from clients for our recommendations for the best investment books of all time. So here it is. These are books that any Chief Investment Officer, asset allocator or thoughtful investor would benefit from reading - or dare we say, should have read - in order to do his or her job with a full understanding of financial history and of the theory and practice of how markets work. To compile the list, we discussed candidates among the GAA team, and then reached out to the 21 Managing Editors at BCA. Having whittled down possible candidates to a short list, we asked our MEs to vote on their favorites. The final list, then, is very much BCA's pick of the best investment books of all time. Below, we briefly describe each of of the 13 books that topped the ranking, in the order that they received votes. The winners are an eclectic mix, incorporating financial history, personal memoirs, and specialized books on FX, asset allocation, emerging markets, tech investing and behavioral finance. While some books are classics (and we suspect few clients will argue with their inclusion), others are less well known but deserve a bigger audience. It is interesting to note some (coincidental) common themes in our picks: markets are cyclical and mean-reverting, the study of history is important, bubbles and crises happen frequently, investors are prone to over-confidence, and credit is key. Note that we excluded some excellent books because they are too hard to obtain, for example Seth Klarman's Margin Of Safety, which sells for $700 on the internet, or Charlie Munger's Poor Charlie's Almanack, which has to be ordered specially from the publisher. Also, in the Appendix, we list the books that made the short list and therefore are still recommended, but were not voted among the top picks. For readers worried about geopolitics and looking to deepen their understanding of this subject, we recommend a reading list put together by our colleagues in BCA's Geopolitical Strategy service in 2014.2 If you want to read just one book on geopolitics, they suggest, Modernization, Cultural Change, And Democracy: The Human Development Sequence by Ronald Inglehart and Christian Welzel. We hope that our clients will find some reading material here that either they were unaware of, or are reminded of books they've been meaning to read for years but never got around to. Either way, any of these books should keep the brain stimulated during the holiday period. Manias, Panics And Crashes: A History Of Financial Crises - By Charles P. Kindleberger Kindleberger's book, first published in 1978 and updated subsequently by Robert Z. Aliber (most recently in 2015), is the classic study of how financial crises occur. The book runs through the biggest manias in history, from 17th century Dutch tulips to 1990s tech stocks. But, most importantly, Kindleberger identifies threads running through all these episodes and makes suggestions on how to alleviate them (an international lender of last resort, for example). The book is scholarly and thorough, but also wonderfully full of anecdote and bizarre events. Kindleberger's conclusion is that manias and crashes are inevitable and frequent, and that the underlying cause of all of them is an underlying monetary policy mistake. Financial innovation continuously produces substitutes for money which ignite credit growth. To understand how perceptive Kindleberger's framework is, think of the 2007-09 Global Financial Crisis (which took place 20 years after he wrote), in which banks used securitized debt, conduits and SIVs to create credit off their balance-sheets. And today? Chinese wealth management products fit his framework perfectly. Irrational Exuberance - By Robert J. Shiller The first edition of Irrational Exuberance was published in 2000. Robert Shiller mainly analyzed the stock market boom that lasted from 1982 through the dotcom years. Shiller argued that stocks prices go up and down for "no good reasons," and that the boom represented a speculative bubble, not grounded in sensible economic fundamentals. The book's second edition, published in 2005, warned of a bursting of the housing bubble, which turned out to be prescient. In the latest edition, published in 2016, Shiller warns of significant downside risk to holding long-term bonds. With valuations in equity, bond and real estate markets currently very expensive, the post-crisis boom may turn out to be another illustration of Shiller's argument that psychologically driven volatility is an inherent characteristic of all asset markets. In other words, Irrational Exuberance is as relevant as ever. Pioneering Portfolio Management: An Unconventional Approach To Institutional Investment - By David F. Swensen If a new CIO wanted just one book to read before taking up the new role, this should be it. Swensen is well-known as the CIO of the Yale Investment Office where, since he joined in 1985, he has pioneered the "endowment model," with a heavy emphasis on passive investment and illiquid alternative assets (Yale currently has 73% of its portfolio in alts). Swensen's performance has been impressive, with 12.1% compounded over the past 20 years (despite a 30% drawdown in 2008-9). Swensen naturally argues in the book for the advantages of his model. These are illiquidity ("market players routinely overpay for liquidity....Illiquidity induces appropriate, long-term behavior"), and accepting risk ("pursuit of long-term asset preservation requires seeking high returns, accepting the accompanying fundamental risk and associated market volatility"). But the book is much broader, and more useful, than that. Swensen describes what characteristics he believes a successful investor needs: "A rich understanding of human psychology, a reasonable appreciation of financial theory, a deep awareness of history, and a broad exposure to current events." He has plenty to say - often controversially - about such technical subjects as the limits of mean-variance analysis, the use of leverage, alignment of incentives, and best practice in running an investment team. This is rounded off with insightful descriptions of how each asset class behaves - particularly useful, unsurprisingly, is his take on different alts. Expected Returns: An Investor's Guide To Harvesting Market Rewards - By Antti Ilmanen Ilmanen's book is not an easy read, containing 500 pages of dense text. But it is undoubtedly the most comprehensive analysis available of the expected returns from a wide range of asset classes and factors. Ilmanen, a Principal at AQR Capital Management, runs through the historical evidence, academic theory and practical approaches to evaluating likely returns from equities, bonds, credit, alts, and factors such as carry, volatility selling, inflation and liquidity. He also covers tail risk, tactical forecasting models and a variety of other important topics, all in a thorough but clearly written way. This is a book to dip into for insights, to leave on your desk for inspiration when thinking about a new asset class, and to refer to frequently. (Readers who don't want to splash out and buy the whole book can find a free version, containing the four key chapters, published by the Research Foundation of CFA Institute.) Thinking, Fast And Slow - By Daniel Kahnemann Kahnemann pretty much invented "cognitive bias," which led to the development of behavioral economics over the past two decades. This is perhaps the least economics-focused of the books on our list, ironically since Kahnemann won the Nobel Prize for Economics. But it has a lot to teach finance professionals. Kahnemann's thesis is by now well known: that humans have two thinking systems, a fast instinctive one, and a deliberative logical one. The book runs through all this biases he has discovered in his long research career: anchoring, overconfidence, availability etc. It is written in the enticing, witty style that Professor Kahnemann displayed when he spoke at BCA's conference this year. One recommendation: read right to the end. The final few chapters, and especially the conclusion, consider how to put some of the theory to work to improve life quality and decision outcomes. Kahnemann tries to answer the question: "What can be done about biases? How can we improve judgements and decisions, both our own and those of the institutions that we serve? The short answer is that little can be achieved without a considerable investment of effort." Asset Management: A Systematic Approach To Factor Investing - By Andrew Ang "The two most important words in investing are bad times," is how Andrew Ang starts his preface to this book on factor investing. The author - who wrote the book when he was a professor at Columbia Business School but now heads Blackrock's Factor-Based Strategies Group - defines "factor risks" as "the set of bad times that span asset classes, which must be the focus of our attention if we are to weather market turmoil and receive the rewards that come with doing so." A key way to understanding factors is to use Ang's analogy that "factors are to assets what nutrients are to food." Just as eating right requires us to look through food labels to the underlying nutrients, "factor investing requires us to look through asset class labels to underlying factor risks." "Different investors need different risk factors" just as different people need different nutrients. Most books on factors concentrate on equities. This book treats factors in a systematic and comprehensive way. For example, the "value factor" exists not only in equities, also in fixed income (riding the yield curve, a form of duration premium), commodities (roll return) and currencies (via the carry trade). Another interesting insight in the book is on long-term investing and rebalancing: the author strongly suggests that "long-term investing is first and foremost of a series of short-terms, as such long-term investors should rebalance their portfolios periodically back to the target weights." Currency Forecasting: A Guide To Technical and Fundamentals Models Of Exchange Rate Determination - By Michael Rosenberg FX has stolen the limelight in recent years, with large moves in both developed and emerging currencies. A book to understand this often arcane area of capital markets exists: Michael Rosenberg's bible on currency forecasting. This is a succinct and practical "how-to" guide to the FX market, with the needs of practitioners always firmly taking center stage. While the book presents the underlying academic theories that one needs to know to approach currencies, it is not dogmatic either. It also focuses on what has worked empirically. It presents a wide variety of models and strategies that one can use to forecast FX, and always puts a heavy emphasis on the role of financial flows in exchange-rate determination. The book is organized by timeframes: which factors make the best predictions on the short-term, medium-term, and long-term investment horizons. It also ends with a nice primer on currency crises in EM, a very relevant topic in today's world where emerging markets are grabbing an ever more significant share of the global income pie. Anatomy Of The Bear: Lessons From Wall Street's Four Great Bottoms - By Russell Napier With U.S. stock market daily reaching all-time highs, most investors currently are focused on when to reduce their equity allocation prior to a market fall. This book, rather, focuses on the other end of the spectrum. When to re-invest in the market? How does one spot the bottom of a bear market? What brings a bear to its end? This book gives answers to the above questions by studying four great bear markets in U.S. history (bottoming in 1921, 1932, 1949, and 1982). Russell Napier, an independent strategist and financial historian, analyzes every article in the Wall Street Journal in the years before the four market bottoms. Among the thousands of articles he examines, he identifies features such as Fed actions, auto sector performance, and commodities prices, which indicated a great buying opportunity. He also argues that equities become cheap only slowly, and that it takes an average of nine years for equities to move from their peak valuation to their lows. This book is an excellent financial field guide to understanding market cycles and how to spot secular buying opportunities. Hedgehogging - By Barton Biggs Published in early 2006 and based on Barton Biggs' investment journal over the years, this book has become a classic not only for people who are interested in hedge funds, but also those interested in investment management in general. Biggs tells stories in his characteristic elegant and humorous way, yet the messages are very clear: "The battle for investment survival: only egotists or fools try to pick tops and bottoms." "Groupthink stinks, but solo think is dangerous, too." "The bliss of starting fresh." Investors should avoid personalizing and becoming emotionally involved with positions. The investment decision-making process should be completely intellectual and rational. "Be agnostic" when it comes to choosing an investment style (he calls it religion): value vs growth, fundamental vs technical. And of course no investment book, even if it's presented as a book of personal stories, can be complete without dealing with portfolio performance and volatility. Barton asks the reader: "As an investor in the hedge funds, what would you rather have over five years? A very choppy 20% to 25% compound or a steady 10% to 12%?" Engines That Move Markets: Technology Investing From Railroads To The Internet And Beyond - By Alasdair Nairn This book on technology investing, written in 2002 by Alasdair Nairn (currently Chief Executive of Edinburgh Partners), is maybe the least known in our list. But it is a hidden gem. Nairn digs into 10 tech booms in history, from railways in Britain in the 1840s, via the automobile, electric light, telegraph, radio and TV, to the internet and dotcom bubble in the 1990s. The level of detail is extraordinary (one can only wonder at the effort needed to find the ROE for the York and North Midland Railroad in 1840-50). Nairn identifies five stages in each tech cycle: 1) concept and feasibility, 2) prototype, 3) funding and viability, 4) rationalization, and 5) profitability. But long-term investors are unlikely to make money in any except the last, mature stage. Nairn concludes that "the winners take many years to emerge and...it is well-nigh impossible to identify them early." Even if investors had recognized the genius of Henry Ford, for example, they would have had to wait through two bankruptcies before investing in his third venture, the Ford Motor Company. Conversely, "the losers tend to be both more obvious, and more obvious at an early stage." In a world where Tesla, Alphabet and bio-tech stocks are in the headlines daily, some of Nairn's "timeless lessons about tech investing" are worth remembering: for example, #4 "New technology and overpromotion have always gone hand in hand." A History Of Interest Rates - By Sydney Homer And Richard Sylla Originally published in 1962 (and updated many times, most recently in 2005), Homer's book provides a detailed history of interest rates in every major country from Sumeria in 3000BC to modern times. While the book can be dry in places (there are page after page of interest-rate tables), it is also full of color and fascinating insights, perfect for dipping into. And, since the history of interest rates is essentially the history of economic development, it also gives some perspectives into how the world works. Among the lessons: interest rates tend to rise and fall with a nation's cultural level, "credit gradually became a political device and has remained so ever since," interest rates can see long periods of decline (e.g. the 19th century in England), financial crises are frequent. Perhaps the most important lesson for today is that "almost every generation is eventually shocked by the behavior of interest rates because, in fact, market rates of interest in modern times rarely have been stable for long." Much is made in the book of the "spectacular rise in interest rates during the 1970's and early 1980's [which] pushed many long-term rates...up to levels never before approached." We imagine Homer would have been fascinated by the post-2007 world of, equally unprecedented, zero and negative interest rates. A Short History Of Financial Euphoria - By John Kenneth Galbraith Galbraith's 1990 book, at 114 pages scarcely longer than an essay, is a wonderful, whimsically written description of the way that "not only fools but quote a lot of other people are recurrently separated from their money in the moment of speculative euphoria." Galbraith runs briefly through the main speculative bubbles in history (tulips, John Law, 1929 etc). But the value in the book is in the lessons it draws on "the mass psychology of the speculative mood." The main factors that cause bubbles, he argues, are "the extreme brevity of the financial memory," "the specious association of money and intelligence" (rich people aren't necessarily smart), "the vested interest in error that accompanies speculative euphoria" (beneficiaries from speculation like to believe gains are due to their superior insight, not luck), and "the condemnation that the reputable public and financial opinion directs at those who express doubt or dissent." Breakout Nations: In Pursuit Of The Next Economic Miracles - By Ruchir Sharma The author, Global Chief Strategist at Morgan Stanley Investment Management, brings over 15 years of experience managing emerging market assets. This industry experience is complemented by his extensive travel to these emerging nations to get a better understanding of the actual world on the streets. The book starts with an explanation of the author's reservations about herding all emerging nations into one homogenous group. He moves onto discussing why long-term predictions are essentially random, and especially counter-productive for emerging markets. Another interesting aspect of the author's analysis is that he focuses less on traditional metrics for success and stresses unorthodox standards for judging what will create the next "breakout nation." For example: if a country generates a disproportional number of billionaires with very low turnover over a long period, then something is wrong with how market forces create wealth. He cites India and Russia, where wealth creation can be attributed to crony capitalism and a market dominated by oligarchs and politicians feeding off of the oil sector. Finally, the author states that the most recent golden age of emerging markets had more to do with easy money, than country-specific reforms. He moves on to review a list of emerging and frontier nations and gives his top picks for potential breakout nations in the coming decade. Garry Evans, Senior Vice President Global Asset Allocation garry@bcaresearch.com Xiaoli Tang, Associate Vice President Global Asset Allocation xiaolit@bcaresearch.com Mathieu Savary, Vice President Foreign Exchange Strategy mathieu@bcaresearch.com Aditya Kurian, Research Analyst Global Asset Allocation adiyak@bcaresearch.com Sheng Kong, Research Assistant Global Asset Allocation shengk@bcaresearch.com 1 Please see Global Asset Allocation Special Report, "Investment Books Of The Year," dated 12 December 2016, available at gaa.bcaresearch.com 2 Please see Geopolitical Strategy blog "Top Ten Books On Geopolitics," dated 23 October 2014, available at gps.bcaresearch.com Appendix Books We Also Considered
Highlights The growth momentum of China's recent mini-cycle has peaked, but the ongoing slowdown is likely to continue to remain benign in nature. A return to 2015-like conditions is not the most likely outcome over the coming year. Chinese policymakers are likely to increase their focus on reform efforts next year, but the pace will have to be modulated to avoid a repeat of the significant slowdown that occurred in 2014/2015. The risk of a policy mistake is a key theme to watch for 2018. Chinese ex-tech stocks have room to re-rate next year in a benign slowdown scenario. Investors should stay overweight Chinese investable equities vs EM and global stocks. Feature BCA recently published its special year end Outlook report for 2018,1 which described the macro themes that are likely to drive global financial markets over the coming year. In this week's China Investment Strategy report we expand on the Outlook, by reviewing our three key themes for China over the coming year. Key Theme # 1: A Benign End To China's Recent Mini-Cycle We presented our case that the cyclical slowdown of the Chinese economy will likely be benign in our October 12 Weekly Report. Chart 1 presents a stylized view of the Chinese economy over the past three years that was published in that report, which illustrated our framework of how cyclical growth conditions have evolved over this "mini-cycle". It also highlighted three possible scenarios for the coming 6-12 months, and noted that our bet was on scenario 2: A re-acceleration of the economy and a continuation of the V-shaped rebound profile A benign, controlled deceleration and settling of growth into the "stable" growth range, and An uncontrolled and sharp deceleration in the economy that threatens a return to the conditions that prevailed in early-2015 (or worse) Chart 1A Stylized View Of China's Recent "Mini-Cycle" Since we presented this framework, incoming evidence has been consistent with our call. Chart 2 shows that the Li Keqiang index has now decisively rolled over, but that economic conditions remain well away from their mid-2015 lows. We sketched out the basis for our benign slowdown view in our October 12 piece, but we followed up more formally in a two-part report that addressed the main factors arguing against a return to 2015-like conditions.2 Our view is grounded in the perspective that economic conditions in 2015 were not "normal", and we showed in these reports how a sharp slowdown in the economy was caused by an extremely weak external demand environment and overly tight monetary policy. On the trade front, Chart 3 highlights how Chinese export growth is likely to moderate over the coming several months, which argues against the re-acceleration scenario described above. Since mid-2011, Chinese export growth has lagged what most economic indicators would have predicted, and we noted in part I of our 2015 vs today comparison that this can be traced largely to two factors: a decline in global import intensity and, to a lesser extent, a decline in China's export "market share". Chart 2An Economic Slowdown In China##br## Is Now Underway Chart 3Chinese Export Growth Likely To##br## Converge To Global IP Growth Our analysis in that report suggested that China's 2018 export growth will converge to that of global industrial production, which implies a modest deceleration in the months ahead. Still, export growth of +4% would be a far cry from the significant contraction of exports that occurred in late-2015 / early-2016, which is consistent with a benign growth slowdown. On the monetary policy front, we showed how a monetary conditions approach captured the tightness of China's policy stance from 2012 to early-2015, which led to a material decline in China's industrial sector (Chart 4). Our Special Report last week further supported the view that monetary conditions matter enormously for China's economy; out of 40 macro data series that we tested to reliably predict the Chinese business cycle, only measures of money & credit passed our criteria.3 An aggregate indicator of these 6 series has a similar profile to the Bloomberg Monetary Conditions Index that we have shown in the past (Chart 4, panel 2), and neither suggests that a sharp further slowdown in China's economy is imminent. We will be watching these indicators closely in 2018 for signs of a more aggressive decline than we currently expect. Recently, some investors have pointed to a sharp rise in China's corporate bond yields as a sign that the monetary policy stance is, in fact, tighter than a standard monetary conditions approach would imply. Indeed, China's 5-year AA corporate bond yield has risen 230 bps since late-October 2016, from 3.6% to 5.9%, with most of this rise having occurred due to a rise in government bond yields. Corporate bond spreads have also risen, but relative to spreads on similarly-rated U.S. credit, the rise appears to reflect a rebound from extremely low levels late last year and is not (yet) symptomatic of major concerns over defaults (Chart 5). Chart 4The Ongoing Slowdown Is Likely ##br##To Be Benign Chart 5China's Corporate Bond Spreads ##br##Do Not Yet Look Onerous We are not complacent of the potential risk posed by rising corporate bond yields, and a further significant rise in 2018 could change our view that a benign economic slowdown is the most likely outcome. But for now, the fact that the stock of corporate bond issuance accounts for only 10% of ex-equity social financing suggests that the rise in yields this year is not likely to have an outsized impact on the economy in 2018, beyond the impact that monetary tightening has had on overall average interest rates (which, for now, is material but has not returned rates back to their 2015 levels). Chart 6The Rise In CPI Will Likely Soon Peak Finally, the 85 bps rise in Chinese core consumer price inflation that has occurred over the past year has also fed investor concerns that monetary policy will become even tighter next year. To us, this risk is probably overblown, given that demand-driven inflation lags growth (which has clearly peaked). Chart 6 shows the year-over-year change in Chinese core CPI vs that of the Li Keqiang index, and clearly suggests that the acceleration in core prices is likely to soon abate. Poor communication from the PBOC means that it is not clear how prominently core inflation features into the central bank's reaction function, but given that tighter monetary conditions have already caused a peak in both house prices and growth momentum, we doubt that policymakers will see the recent rise in consumer prices as a basis to aggressively tighten further. Bottom Line: The growth momentum of China's recent mini-cycle has peaked, but a return to 2015-like conditions is not the most likely outcome over the coming year. Key Theme # 2: Monitoring The Pace Of Renewed Structural Reforms We have written several reports concerning China's 19th Communist Party Congress over the past three months, both in the lead-up to the event and as a post-mortem.4 The Congress was significant because it likely heralds stepped-up reform efforts in 2018 and beyond. By "reforms", our Geopolitical Strategy team specifically means deleveraging in the financial sector accompanied by a more intense anti-corruption campaign focused on the shadow-banking sector, as well as ongoing restructuring in the industrial sector. Table 1 presents our geopolitical team's assessment of the likely reform scenarios and probabilities over the coming year. It should be clearly noted that the "reform reboot" scenario as described in Table 1 is likely negative for emerging market equities and other plays on China's industrial sector (such as industrial metals). Table 1Post-Party Congress Scenarios And Probabilities We agree that the "status quo" scenario of no significant reforms is highly unlikely given that President Xi has succeeded in amassing tremendous political capital and that he has an agenda for reform. But the intensity of reforms pursued over the coming year will have to be closely monitored by policymakers, to avoid a repeat of the significant slowdown that occurred in 2014/2015. As such, the view of BCA's China Investment Strategy service is that the reform efforts over the coming year will be structured at a pace that is sufficient to avoid a meaningful deceleration in China's industrial sector and is conducive to the outperformance of Chinese ex-technology stocks. However, the potential for a brisk pace of reforms to cause a more acute decline in industrial activity in 2018 is a risk to our view that China's ongoing economic slowdown is likely to be benign and controlled. We presented our framework for monitoring this risk in our November 16 Weekly Report,5 specifically our BCA China Reform Monitor (Chart 7). The monitor is calculated as an equally-weighted average of four "winner" sectors that outperformed the investable benchmark in the month following the Party Congress relative to an equally-weighted average of the remaining seven sectors. Significant underperformance of "loser" sectors could become a headwind for broad MSCI China outperformance (especially ex-tech), and we will be watching in 2018 for signs that our monitor is rising largely due to outright declines in the denominator. Chart 7Our Reform Monitor Will Help Us Judge ##br##Whether The Pace Of Reforms Becomes Too Burdensome For now, there is no indication that reform risk is affecting the performance of the MSCI China index. Panel 2 of Chart 7 highlights that recent movements in our Reform Monitor have been driven by the "winner" sectors, with the recent selloff largely reflecting a modest correction in global technology stocks sparked by the passage of the U.S. Senate's tax reform plan.6 But we will be watching the monitor closely in 2018, and will adjust it as needed in reaction to additional reform announcements over the coming months. Finally, next year's reform announcements will be highly significant not just because of the "what", but also the "how". It is difficult to see how China's leadership can aggressively pare back heavy-polluting industry and deleverage the financial sector without destabilizing the economy in the near term, but their goal to significantly raise China's per capita GDP and escape the "middle income trap" over the long-term is equally nebulous. We have noted in previous reports that a country's income level is fundamentally determined by its productivity, which is in turn determined by the level and sophistication of its capital stock. Chart 8 shows a clear positive correlation between a country's per capita output, a measure of productivity, and its per capita capital stock. In general, industrialized countries enjoy much higher levels of per capita capital stock than developing economies, leading to much higher productivity, income, and living standards. Therefore, the process of industrialization is fundamentally a process of accumulation of capital stock through investment. As shown in Chart 9, despite some remarkable achievements, the productivity level of the average Chinese worker is still just a fraction of the level in more advanced countries. Conventional economics would suggest that if China wishes to keep progressing on the productivity and income ladder, that it should remain on the path of growing the capital stock through savings and investment. If, however, it abandons its current growth model and "rebalances" towards a consumption-driven one, the risk that the country will stagnate and fail to advance beyond the "middle income trap" looms large. Chart 8Productivity Is Positively Correlated ##br##With Capital Stock Chart 9China's Catchup Process ##br## Has A Lot Further To Run Chart 10 makes this point from a different perspective. At root, China's leadership is describing the desire to rapidly transition towards an economy with a much higher level of tertiary industry (services) as a share of GDP, but the U.S. experience suggests that this is a long process that is not investment-oriented. The chart shows the evolution of U.S. investment in private services excluding real estate as a share of total private fixed assets since 1947, when the U.S. had only a slightly higher level of real per capita GDP than China today. It has taken almost 70 years for the share of private services ex real estate to rise by 16 percentage points in the U.S., and it has yet to account for the majority of private fixed investment.7 Services activity/investment also typically requires a highly educated workforce as an input, and rate of China's post-secondary educational attainment appears to be too low to fit the bill (Chart 11). In short, crucial details about China's reform plan should hopefully emerge in 2018, which are likely to have both near-term and multi-year implications. Bottom Line: Chinese policymakers are likely to increase their focus on reform efforts next year, but the pace will have to be modulated to avoid a repeat of the significant slowdown that occurred in 2014/2015. The risk of a policy mistake is a key theme to watch for 2018. Chart 10China Cannot Easily Replace 'Hard' Investment Chart 11China's Workforce Is Not Well Equipped To Transition To Services Key Theme # 3: The Relative Re-Rating Of Chinese Investable Ex-Tech Stocks Over the past several years, this publication argued strongly that the valuation discount applied to Chinese equities was unjustified. For the investable benchmark, the past two years of material outperformance vs emerging market and global stocks has removed a significant portion of this discount, and we noted in our August 31 Weekly Report that Chinese equities are no longer "exceptionally cheap".8 However, a good portion of this revaluation has been isolated to the tech sector. Chart 12 shows that while the 12-month forward P/E ratio for Chinese tech stocks is 70% higher than the global average, ex-tech shares still trade at a 37% relative discount. Chart 13 echoes this conclusion by showing the ex-tech price-to-book ratio for every country in MSCI's All Country World index; by this metric China's ex-tech cheapness currently ranks in the 85th percentile, behind only Israel, Colombia, Italy, Jordan, Korea, Russia, and Greece. Chart 12China: Expensive Tech, Extremely Cheap Ex-Tech Chart 13China's Ex-Tech P/B Ratio Among The Lowest In The World Charts 12 and 13 are weighted simply by the remaining market capitalization in each country's market after excluding the technology sector, meaning that the deep discount applied to Chinese banks wields a disproportionate influence (financials would make up 40% of China's MSCI ex-tech "index", if one officially existed). Although we agree that the magnitude of the rise in debt over the past several years warrants somewhat of a P/B discount, we would argue that the risk is more earnings and dilution-related rather than solvency-related. It is highly unlikely that the Chinese government would allow large banks to fail outright in the event of a serious financial crisis, but the potential for a rise in provisioning and significant new capital raising suggests that the risk premium for these stocks should be somewhat higher than what would otherwise be normal. Chart 14China's Banks Can Re-Rate ##br##In A Benign Slowdown Scenario Still, either the Chinese bank risk premium is excessive, or the banking sectors of several major DM countries are significantly overvalued. For example, Chinese investable banks trade at a P/B ratio of 0.8, but Canadian, Australian, and Swedish banks trade at an average P/B ratio of 1.7. If the concern over credit excesses is the source of the higher risk premium applied to Chinese banks, Chart 14 suggests that there is a major inconsistency in pricing; an equally-weighted average of Canadian, Australian, and Swedish private sector debt-to-GDP is higher than that of China's, at 214% vs 211% as of Q2 this year. Our bet is the former: In a world where outsized returns are scarce and U.S. equities are overvalued, a benign growth deceleration and a modulated pace of reforms favor a lessening of the substantial valuation discount currently applied to China's investable ex-tech stocks. Barring a more pronounced slowdown in China's economy than we currently expect, investors should stay overweight the MSCI China investable index in 2018, within both an emerging markets and global equity portfolio. Bottom Line: Chinese ex-tech stocks have room to re-rate in a benign slowdown scenario. Investors should stay overweight Chinese investable stocks in 2018. Jonathan LaBerge, CFA, Vice President Special Reports jonathanl@bcaresearch.com 1 Please see BCA Special Report, "2018 Outlook - Policy And The Markets: On A Collision Course," dated November 20, 2017, available at cis.bcaresearch.com. 2 Please see China Investment Strategy Weekly Reports "China's Economy - 2015 Vs Today (Part I): Trade", dated October 26, 2017, and "China's Economy - 2015 Vs Today (Part II): Monetary Policy", dated November 9, 2017, available at cis.bcaresearch.com. 3 Please see China Investment Strategy Special Report, "The Data Lab: Testing The Predictability Of China's Business Cycle", dated November 30, 2017, available at cis.bcaresearch.com. 4 Please see China Investment Strategy and Geopolitical Strategy Special Reports, "China's Nineteenth Party Congress: A Primer", dated September 14, 2017, "How To Read Xi Jinping's Party Congress Speech", dated October 18, 2017, and BCA Special Report "China: Party Congress Ends ... So What?", dated November 2, 2017, available at cis.bcaresearch.com. 5 Please see China Investment Strategy Weekly Report, "Messages From The Market, Post-Party Congress", dated November 16, 2017, available at cis.bcaresearch.com. 6 The Senate bill that was passed this week unexpectedly retained 20% alternative minimum tax (AMT) for corporations, which would disproportionately impact U.S. technology companies. Indications currently suggest that the final tax cut bill to be approved by both houses of Congress will repeal the AMT. 7 In 2016, real estate investment accounted for roughly 29% of total private investment in fixed assets, and the sum of primary and secondary industry (agriculture, mining, utilities, construction, and manufacturing) accounted for about 28%. 8 Please see China Investment Strategy Weekly Report, "A Closer Look At Chinese Equity Valuations", dated August 31, 2017, available at cis.bcaresearch.com. Cyclical Investment Stance Equity Sector Recommendations
Highlights Geopolitical risks were overstated in 2017, but have now become understated; If Donald Trump becomes an early "lame duck" president, he will seek relevance abroad; This could mean a protectionist White House, or increased geopolitical tensions with Iran and North Korea; North Korean internal stability could come into question as economic sanctions begin to bite; Political risks in the U.K. and Italy could rise with markets overly complacent on both; Emerging markets, particularly Brazil and Mexico, will see renewed political risk. Feature Buoyant global growth, political stability in Europe, and steady policymakers' hands in China have fueled risk assets in 2017. As the year draws to a close, investors also have tax cuts in the U.S. to celebrate. Our high conviction view that tax cuts would happen - and that they would be fiscally profligate - is near the finish line.1 In making this call, we ignored the failure to repeal Obamacare, the "wisdom" of old "D.C. hands," and direct intelligence from a source inside the White House circle who swore tax reform would be revenue neutral. Throughout the year, BCA's Geopolitical Strategy remained confident that the GOP would ignore its fiscal conservative credentials and focus on the midterm elections.2 That election is increasingly looking like a bloodbath-in-the-making for the Republican Party (Chart 1). What of the latest opinion polls showing that the tax cuts are unpopular with half of all Americans? The polls also show that a solid one-third of all Americans remain in support of the Republican plan (Chart 2). We suspect - as do Republican strategists - that those are the Republicans who vote in midterm elections. Given the atrociously low turnout in midterm elections - just 36.4% of Americans voted in 2014 - Republicans need their base to turn out in November. The tax cuts are not about the wider American public but the Republican base. Chart 1Midterm Election: A Bloodbath? Chart 2Republican Base Supports Tax Cuts As we close the book on 2017, we look with trepidation towards 2018. Our main theme for next year is that the combination of economic stimulus from the tax cuts in the U.S. and structural reforms in China will create a U.S.-dollar-bullish policy mix that will combine into a headwind for global risk assets, particularly emerging market equities.3 However, in this report, we focus on some of the more exotic risks that investors may have to deal with. In particular we focus on five potential "black swans" - low probability, high market-impact events - that are neither on the market's radar nor the media's. To qualify for our list, the events must be: Unlikely: There must be less than a 20% probability that the event will occur in the next 12 months. Out of sight: The scenario we present should not be receiving media coverage, at least not as a serious market risk. Geopolitical: We must be able to identify the risk scenario through the lens of our geopolitical methodology. Genuinely unpredictable events - such as meteor strikes, pandemics, crippling cyber-attacks, solar flares, alien invasions, and failures in the computer program running the simulation that we call the universe - do not make the cut. Black Swan 1: Lame Duck Trump "Lame duck" presidents - leaders whose popularity late in their term has sunk so low that they can no longer affect policy - are said to be particularly adventurous in the foreign arena. While this adage has a spotty empirical record, there are several notable examples in recent memory.4 American presidents have few constitutional constraints when it comes to foreign policy. Therefore, when domestic constraints rise, U.S. presidents seek relevance abroad. Chart 3The Day After The Midterms, Trump's Overall Popularity Will Matter More Than That Among Republicans President Trump may become the earliest, and lamest, lame duck president in recent U.S. history. While his Republican support remains healthy, his overall popularity is well below the average presidential approval rating at this point in the political cycle (Chart 3). Based on these poll numbers, his party is likely to underperform in the upcoming midterm election (Chart 4). A Democrat-led House of Representatives would have the votes to begin impeachment, which we would then consider likely in 2019. As we have argued in our "impeachment handbook," the market impact of such a crisis would ultimately depend on market fundamentals and the global context, not political intrigue.5 Chart 4Trump Is Becoming A Liability For The GOP President Trump's political capital ahead of the midterm elections is based on his ability to influence Republican legislators. Despite low overall poll numbers, President Trump can use the threat of endorsing primary challengers against conservative peers in Congress to move his agenda in the legislature. He has effectively done this with tax cuts. However, the day after the midterm elections, President Trump's own numbers will matter for the GOP. Given that President Trump will be on the ballot in the 2020 general election, his low approval numbers with non-Republican voters will hang like an albatross around the party's neck. This is a serious issue, particularly given that 22 of the 33 Senators up for reelection in 2020 will be Republican.6 Robust economic growth and a roaring stock market have not boosted Trump's popularity so far. At the same time, a strong economy ready to translate into higher wages is about to be "pump-primed" by stimulative tax cuts (Chart 5). We would expect the result to be a stronger dollar, which should keep the U.S. trade deficit widening well into Trump's second year in office. At some point, this will become a sore political point, given Trump's protectionist rhetoric and his administration's focus on the trade balance as a key measure of U.S. power. Chart 5Wage Pressures Are Building What kind of adventures would we expect to see President Trump embark on in 2018? There are three prime candidates: China-U.S. trade war: The Trump administration started off with threats against China and then proceeded to negotiations. However, neither the North Korean situation nor the trade deficit has seen substantial improvement, and a lame duck Trump administration would be more likely to resort to serious punitive actions. Even improvements on the Korean peninsula would not necessarily prevent Washington from getting tougher on Beijing over trade, as the Trump administration will be driven by domestic politics. Investors should carefully watch whether the World Trade Organization deems China a "market economy," which could trigger a U.S. backlash, and whether the various investigations by U.S. Trade Representative Robert Lighthizer and Commerce Secretary Wilbur Ross result in anti-dumping and countervailing duties being imposed more frequently on specific Chinese exports. Thus far, the empirical evidence suggests that the Trump administration has picked up the pace of protectionist rulings (Chart 6). Notably, the Trump administration claims that the Comprehensive Economic Dialogue has "stalled," and it is reviving deeper, structural demands on Chinese policymakers.7 Iran Jingoism: Rumors that Secretary of State Rex Tillerson may be replaced by CIA Director Mike Pompeo - who would be replaced at the CIA by Senator Tom Cotton - can only mean one thing: the White House has Iran in its sights. Both Pompeo and Cotton are hawks on Iran. The administration may be preparing to shift its focus from North Korea, where American allies in the region are urging caution, to the Middle East, where American allies in the region are urging aggression. Investors should watch whether Tillerson is removed and especially how Congress reacts to President Trump's decision on October 15 to decertify the Iran nuclear agreement (also called the Joint Comprehensive Plan of Action or JCPOA). The Republican-controlled Congress has until December 15 to reimpose sanctions on Iran that were suspended as part of the deal, with merely a simple majority needed in both chambers. However, President Trump will also have an opportunity, as early as January, to end waivers on a slew of sanctions that were not covered under the JCPOA. North Korea: It would be natural to slot North Korea as first on our list of potential foreign policy adventures for President Trump. However, it does not really fit our qualification of a black swan. North Korea is not "out of sight." Additionally, President Trump has already broken with the tradition of previous administrations by upping the pressure on Pyongyang. In fact, a North Korean black swan would be if President Trump succeeded in breaking the regime in Pyongyang. To that scenario we turn next. Chart 6Trump: Game Changer In U.S. Trade Policy? Bottom Line: Geopolitics has not affected the markets in 2017, with risk assets reaching record highs and the VIX reaching record lows (Chart 7). This was our view throughout the year and we called for investors to "buy in May and have a nice day" as a result of our analysis.8 We do not see this as likely in 2018. The Trump administration has no credible legislative agenda after tax cuts. We expect Congress to stall as we enter the summer primary season and for the GOP to lose the House to the Democrats. President Trump is an astute political analyst and will sense these developments before they happen. There is a good chance that he will attempt to sway the election and pre-empt his lame duck status with an aggressive foreign policy. Chart 72017 Goldilocks: S&P 500 Up, VIX Down Investment implications are twofold. First, we continue to recommend an equally weighted basket of Swiss 10-year bonds and gold as a portfolio hedge.9 Second, risk premium for oil prices should rise in 2018. Not only is the supply-demand balance favorable for oil prices, but geopolitical risks are likely to rise as well. Black Swan 2: A Coup In Pyongyang Our colleague Peter Berezin, BCA's Chief Global Strategist, has suggested that a coup d'état against Supreme Leader Kim Jong-un could be a black swan trigger that spooks the markets.10 While Peter used the scenario as a tongue-in-cheek way to weave Kim into a narrative that tells of a late 2019 recession, we have long raised North Korean domestic politics as the true Korean black swan.11 Here we entertain Peter's idea for three reasons.12 First, China has upped the economic pressure on Pyongyang. Under Kim Jong-un, the North Korean state has attempted some limited economic "opening up," namely to China. But the attempt to finalize the nuclear deterrent has delayed an already precarious process. There has now been a $617 million drop in Chinese imports from the country since the beginning of the year (Chart 8), with coal imports particularly affected (Chart 9). China has also pulled back on tourism. Meanwhile, North Korea's imports of Chinese goods have risen, which suggests that the country's current account balance may be widening. At some point, if these trends continue, Pyongyang will run out of foreign currency with which to purchase Chinese and Russian imports. Chart 8China Is Turning The Screws On Pyongyang... Chart 9...Particularly On Coal Imports Second, Pyongyang is well aware of pressures against the regime. The assassination of Kim Jong-nam - the older half-brother of Kim Jong-un - in February of this year sent a message to the world, but especially to China, which kept Kim Jong-nam around as an alternative to the current Kim. That Pyongyang went to the extreme lengths of poisoning Kim Jong-nam with VX nerve agent in a foreign airport suggests that Kim Jong-un is still worried about threats to his rule.13 If Beijing's economic sanctions continue to tighten in 2018, the military could conceivably see the Supreme Leader's aggressive foreign policy as a risk to regime survival. Third, Pyongyang could miscalculate and create a crisis from which it cannot deescalate. A provocation that disrupts international infrastructure and commerce or kills civilians from the U.S. or Japan could trigger a downward spiral. For instance, an attack against international shipping in the Yellow Sea or Sea of Japan by North Korean submarines would be an unprecedented act that the U.S. and Japan would likely retaliate against.14 We could see the U.S. following the script from Operation Praying Mantis in the Persian Gulf in 1988 - the largest surface engagement by the U.S. Navy since the Second World War. In that incident, the U.S. sunk half of Iran's navy in retaliation for the mining of the guided missile frigate USS Samuel B. Roberts. In the case of North Korea, this would primarily mean taking out its approximately 20 Romeo-class submarines and an unknown number of domestically-produced - Yugoslav-designed - newly built submarines. Such a conflict is not our baseline case, but we assign much higher probability to it than an all-out war on the Korean Peninsula. How would Pyongyang react to the sinking of its submarines? Our best case is that the regime would do nothing. The leadership in Pyongyang is massively constrained by its quantifiable military inferiority. True, North Korea has around 6 million military personnel - about 25% of the total population is under arms - but unfortunately for Pyongyang, this large army is arrayed against one of the most sophisticated defenses ever constructed by man: the Demilitarized Zone (DMZ). To support its ground forces, North Korea would have at its disposal only about 20-30 Mig-29s. Countering two dozen jets would be South Korea's combined 177 F-15s and F-16s, plus American forces that would vary in size depending on how many aircraft carriers were deployed in the vicinity. Given that a single American aircraft carrier holds up to 48 fighter jets, North Koreans would quickly find themselves fighting a losing battle. Which is why they may never initiate one. If Kim Jong-un insists on retaliation, the military could remove and replace him with, for instance, his 30-year old sister, who has recently risen in party ranks, or his 36-year old brother Kim Jong-chul, who is apparently not entirely uninvolved in the regime despite living an unassuming life in Pyongyang. What would a regime change mean for the markets? It depends on whether it is successful or not. An unsuccessful coup could lead to a massive purge and likely a total break in Pyongyang's relations with the outside world, including China. This would seriously destabilize North Korea's decision-making. The global community would have to begin contemplating a total war on the Korean peninsula. Alternatively, a successful coup could lead to temporary volatility, yet long-term stability. The military regime in the North may even be open to reunification over the long term, depending on how U.S.-China relations evolve. Bottom Line: China does not want to cripple North Korea or throw a coup. But it is cooperating with sanctions and could therefore trigger one by mistake. At least two regimes have collapsed in the past when facing the pincer movement of economic sanctions and American military pressure - South Africa's apartheid regime in 1991 and Slobodan Miloševic's Yugoslavia in 1999. Kim Jong-un could face a similar fate, particularly if China applies excessive economic pressure. Black Swan 3: Prime Minister Jeremy Corbyn There is no election scheduled in the U.K. for 2018, but if one were to be held the ruling Tories would be in trouble (Chart 10). In fact, the combined anti-Brexit forces are currently in a solid lead over the pro-Brexit parties, Conservatives and the U.K. Independence Party (UKIP) (Chart 11). Chart 10Labour Is In The Lead... Chart 11...As Are Anti-Brexit Forces Writ-Large What could trigger such an election? Ultimately, the final exit deal may prompt a new election. More immediately, the ongoing negotiations over the status of the Irish border would be a prime candidate. As our colleague Dhaval Joshi, head of BCA's European Investment Strategy noted recently, Prime Minister Theresa May's government is propped up by the Northern Irish Unionists to whom May has promised that there will be no hard border between Northern Ireland and the Republic of Ireland. This will likely create a crisis as the EU negotiations may inadvertently threaten the Good Friday peace agreement. The Northern Ireland Unionists will not tolerate the border moving to the Irish Sea. This would effectively take Northern Ireland into the EU customs union and single market, and out of the U.K.'s domestic trading zone. It would also embolden Scotland's push for single market access. In essence, the Tory government may collapse because of differences within the U.K.'s "three kingdoms" before it even has the chance to collapse over differences with the EU.15 The market may cheer a Labour-Scottish National Party (SNP) coalition government, a potential winner of an early election, as it would mean that a new referendum on the U.K. leaving the EU could be held. The latest polls suggest that "Bremorse" (remorse for Brexit) has set in, as a clear majority in the U.K. thinks that Brexit was a bad idea (Chart 12). However, we suspect that it would take Prime Minister Jeremy Corbyn several months, if not over a year, before he called such a referendum. First, Corbyn is on record supporting a soft Brexit, not a new referendum, and he has only just begun to adjust this position. Second, a soft Brexit is far more difficult to achieve than the hard Brexit of Prime Minister Theresa May since it requires the U.K. to subvert its sovereignty in significant ways (i.e., accepting EU regulation) in order to access the EU Common Market. Third, the most politically palatable way to re-do the referendum is to put a U.K.-EU deal up to the people to decide, which means that Corbyn first has to spend a long time negotiating that deal. Chart 12Bremorse Sets In The market may be disappointed to find out that PM Corbyn is not willing or able to put the question of the U.K.'s EU exit up to a vote right away. Instead, the market would have to deal with Corbyn's economic policies, which are markedly left-wing. Corbyn harkens back to the 110 Propositions pour la France of French President François Mitterrand, if not exactly to the ghastly 1970s of the U.K.'s own history. A brief sample platter of Labour's proposals under Corbyn includes: Increasing the U.K. corporate tax rate to 26% from 20%; Increasing the minimum wage; Forcing companies not to out-source operations; Nationalizing public infrastructure companies. How should investors play a Corbyn victory? We think that the U.K. pound would likely rally on a higher probability of reversing Brexit. However, this "no Brexit" rally would quickly dissipate as PM Corbyn reiterated his promise to fulfill the democratic desire of the population to exit the EU. While Corbyn's negotiating team set to work on getting a better Brexit deal out of Brussels, the market would quickly turn its attention to the reality that Corbyn is not kidding about socialism.16 The result would be a selloff in the pound. Bottom Line: BCA's Foreign Exchange Strategy has pointed out that the pound remains well below its fair value (Chart 13). However, as BCA's chief FX strategist Mathieu Savary points out, the valuation technicals may be misleading as the currency has entered a new economic, trade, and political paradigm. A Corbyn premiership is not clearly positive for Brexit, while opening up a completely different question: is the U.K. also exiting the free-market, laissez-faire paradigm that it has helped lead since May 1979? Black Swan 4: Italy Is A Black Swan Hiding In Plain Sight The spread between Italian and German 10-year government bonds has narrowed 72 basis points since April, suggesting that investors have grown comfortable with the risks associated with the Italian election due by May (Chart 14). There are three reasons why we agree with the market: Chart 13Pound Valuation Reflects Post-Brexit Paradigm Chart 14Investors Not Worried About Italy New electoral rules passed in October make it highly likely that a center-right alliance will take shape between the Forza Italia of former Prime Minister Silvio Berlusconi and the mildly Eurosketpic Lega Nord. These two could form a government alone, or in a grand coalition with the center-left Democratic Party (PD) (Chart 15). Both Lega Nord and the anti-establishment Five Star Movement (M5S) have moved to the center on the questions of European integration and membership in the currency union; The European migration crisis is over and its supposedly constant impact on Italy is waning (Chart 16). Meanwhile, Italy's economy is on the mend, with its banking sector finally following the Spanish trajectory with a drop in non-performing loans (Chart 17). Chart 15Italy Set For A Hung Parliament Chart 16Migration Crisis Is Over (Yes, Even In Italy) Chart 17Italian Recovery Is Just Starting That said, we continue to warn clients that the underlying support for the common currency is lagging in Italy. The support level is just above 55%, despite a strong rally in the rest of the Euro Area (Chart 18). Similarly, over 40% of Italians appear confident in the country's future outside of the EU (Chart 19). Chart 18Italians Stand Out For Distrust Of Euro Chart 19Italians Not Enthusiastic About EU Our baseline case is that Italian elections will produce a weak and ineffective government, though crucially not a Euroskeptic one. How could we be wrong? Easy: one of the three reasons why we agree with the market could shift. For example, M5S could alter its pledge to remain in the Euro Area and surprisingly win on a Euroskeptic platform. Why would the party do something like that? Because it makes sense! Polls are already showing that M5S's recent moderation on the euro is not paying political dividends, with its support sharply sliding since the summer. With power quickly slipping out of reach for the party, why wouldn't they put a down-payment on the next election by trusting the underlying trend in opinion polling and investing in a Euroskeptic platform that might pay political dividends in the future? If we think that this strategy makes sense based on the data, then the M5S leadership might as well. Chart 20Can MIB Keep Outperforming? Another scenario is a major terror attack perpetrated by recent migrants from North Africa. Italy has been spared from radical Islamic terror. As such, the country may not be as desensitized to it as other European nations. A strong showing by Lega Nord and the far-right Fratelli d'Italia could force Forza Italia to move to the right as well. On our travels, we have noticed that few investors want to talk about Italy. There is wide acknowledgement of the structural trends pointing to a rise of Euroskepticism in the country, but also an appearance of consensus that this is a problem for a later date. We agree with this consensus, but our conviction is low. Bottom Line: Italian election risk is completely unappreciated by the markets. The country's equity market is one of the best performing this year (Chart 20), while government bonds are pricing in no political risk as the election approaches. We believe that shorting both would present a good hedging opportunity. Black Swan 5: Bloodbath In Latin America Our last black swan risk is not really a black swan to us but a forecast we believe will happen. As we outlined last month, we fear that Chinese policy-induced credit contraction will be negative for emerging markets, as BCA's Emerging Markets Strategy data asserts (Chart 21). BCA's Foreign Exchange Strategy has pointed out in its latest missive that its "Carry Canary Indicator" - performance of EM/JPY crosses - is signaling that a sharp deceleration in global growth is coming in Q1 2018 (Chart 22).17 Latin America (especially Chile, Peru, and Brazil) is the region most exposed to the combination of a slowing China and a China-induced drop in commodity prices. Chart 21When China Sneezes, EM Gets The Flu Chart 22Ominous Signal From EM/JPY From a political perspective, this is most negative for Brazil and Mexico. Both countries hold elections in 2018, with the Mexican election further complicated by the ongoing NAFTA renegotiations. We believe that the future of NAFTA hangs in the balance, with a high probability that the Trump administration will decide to abrogate the deal.18 Currently, anti-market political forces are in the lead in both countries. In Brazil, no pro-market candidate is leading in the polls (Chart 23). In fact, anti-market options have a 48% lead on the centrists. Granted, there are ten months until the election, but we are skeptical that the Brazilian population will change its mind and support reformers. If the "median voter" in Brazil supported reforms, the current Temer administration would have passed them already. In Mexico, anti-establishment candidate Andrés Manuel López Obrador (also known as AMLO) is leading in the polls (Chart 24), as is his new party Morena (Chart 25). If Morena wins the most seats in the Mexican Congress, it will be more difficult for the opposition parties to combine to counter it.19 Chart 23There Is No Pro-Market Option In Brazil Chart 24AMLO Is In The Lead ... Chart 25...As Is Morena In 2017, we argued that politics were not a tailwind for EM asset performance. Instead, investors chased yield in the favorable economic context of Chinese economic stimulus, low developed market yields, and a weak U.S. dollar. In reality, politics was just as dire in much of EM as it was in prior years of asset underperformance, but the surge of global liquidity in 2018 masked the problems. We do not think the EM rally is sustainable in 2018. As the global economic and market context shifts, investors will start paying attention. Suddenly, political problems will enter into focus. Here we argue that Brazil and Mexico are likely to be the main targets of portfolio outflows, but a strong case could be made for South Africa and Turkey as well.20 Bottom Line: Political risk in Latin America will return. Marko Papic, Senior Vice President Chief Geopolitical Strategist marko@bcaresearch.com 1 Please see BCA Geopolitical Strategy, "U.S. Election: Outcomes & Investment Implications," dated November 9, 2016, and "Constraints & Preferences Of The Trump Presidency," dated November 30, 2016, available at gps.bcaresearch.com. 2 Please see BCA Geopolitical Strategy, "Reconciliation And The Markets - Warning: This Report May Put You To Sleep," dated May 31, 2017, "How Long Can The 'Trump Put' Last?" dated June 14, 2017, and "Is King Dollar Back?" dated October 4, 2017, available at gps.bcaresearch.com. 3 Please see BCA Geopolitical Strategy, "Geopolitics - From Overstated To Understated Risks," dated November 22, 2017, available at gps.bcaresearch.com. 4 President Clinton launched the largest NATO military operation against Yugoslavia amidst impeachment proceedings against him while President George H. W. Bush ordered U.S. troops to Somalia a month after losing the 1992 election. Ironically, President George H. W. Bush intervened in Somalia in order to lock in the supposedly isolationist Bill Clinton, who had defeated him three weeks earlier, into an internationalist foreign policy. President George W. Bush ordered the "surge" of troops into Iraq in 2007 after losing both houses of Congress in 2006; President Obama arranged the Iranian nuclear deal after losing the Senate (and hence Congress) to the Republicans in 2014. 5 Please see BCA Geopolitical Strategy, "Break Glass In Case Of Impeachment," dated May 17, 2017, available at gps.bcaresearch.com. 6 Particularly vulnerable, in our view, will be Cory Gardner (R, Colorado), Joni Ernst (R, Iowa), Susan Collins (R, Maine), and Thom Tillis (R, North Carolina). 7 U.S. Treasury Under Secretary for International Affairs David Malpass recently claimed that high-level talks had "stalled" and re-emphasized the U.S.'s structural complaints: "We are concerned that China's economic liberalization seems to have slowed or reversed, with the role of the state increasing ... State-owned enterprises have not faced hard budget constraints and China's industrial policy has become more and more problematic for foreign firms. Huge export credits are flowing in non-economic ways that distort markets." The growing presence of Communist Party cells within corporations is another important structural concern that puts the administration at loggerheads with China's leaders. Please see Andrew Mayeda and Saleha Mohsin, "US Rebukes China For Backing Off Market Embrace," Bloomberg, November 30, 2017, available at www.bloomberg.com. 8 Please see BCA Geopolitical Strategy, "Buy In May And Enjoy Your Day!" dated April 26, 2017, available at gps.bcaresearch.com. 9 Please see BCA Geopolitical Strategy, "Can Pyongyang Derail The Bull Market?" dated August 16, 2017, available at gps.bcaresearch.com. 10 Please see BCA Global Investment Strategy, "A Timeline For The Next Five Years: Part II," dated December 1, 2017, available at gis.bcaresearch.com. 11 Please see "North Korea: From Overstated To Understated" in BCA Geopolitical Strategy, "Strategic Outlook 2016: Multipolarity & Markets," dated December 9, 2015, available at gps.bcaresearch.com. A notable coup attempt occurred in 1995-96 in North Hamgyong; something like a coup attempt may have occurred in 2013; and defectors from North Korea have reported various stories of plots and conspiracies against the regime. 12 After all, Peter predicted that Donald Trump would be a serious candidate for the U.S. presidency back in September 2015! 13 Still worried, that is, even after Kim Jong-un's supposed "consolidation of power" in 2013-14 when he executed his influential and China-aligned uncle, Jang Song Thaek, and purged the latter's faction. There were reports of rogue military operations at that time. With low troop morale reported by North Korean defectors, the possibility of insubordination cannot be ruled out. 14 A North Korean submarine sank the South Korean corvette Cheonan in 2010, and North Korean artillery shelled two islands killing South Korean civilians later that year, but these attacks were still within the norm of North Korean provocations. The two countries are still technically at war and have contested maritime as well as land borders. 15 Please see BCA Geopolitical Strategy, "Strategic Outlook 2017: We Are All Geopolitical Strategists Now," dated December 14, 2016, available at gps.bcaresearch.com. 16 To help investors get ready for a Corbyn premiership, we thought his appearance on President Nicolás Maduro's weekly radio show would be a good place to start: https://www.youtube.com/watch?v=7eL8_wtS-0I 17 Please see BCA Foreign Exchange Strategy, "Canaries In The Coal Mine Alert: EM/JPY Carry Trades," dated December 1, 2017, available at fes.bcaresearch.com. 18 Please see BCA Geopolitical Strategy and Global Investment Strategy, "NAFTA - Populism Vs. Pluto-Populism," dated November 10, 2017, available at gps.bcaresearch.com. 19 Please see BCA Geopolitical Strategy and Emerging Markets Strategy "Update On Emerging Markets: Malaysia, Mexico, And The United States Of America," dated August 9, 2017, available at gps.bcaresearch.com. 20 Please see BCA Geopolitical Strategy, "South Africa: Crisis Of Expectations," dated June 28, 2017, and "Turkey: Military Adventurism And Capital Controls," dated December 7, 2016, available at gps.bcaresearch.com. Geopolitical Calendar