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Quarterly Foreign Exchange Focus For Trader

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The U.S. current account deficit continued to widen in the second quarter. Not only did the deficit in the trade balance, which records exports and imports of goods and services, grow larger, but the deficit in the income balance also widened a bit and unilateral transfers abroad increased. However, the incipient stabilization in the real trade balance, which measures volumes of exports and imports, is a hopeful sign. If history is any guide, the current account deficit could begin to narrow later this year or early in 2007.

Although the current account deficit could begin to narrow, we continue to project generalized dollar depreciation over the next year or so. Foreign purchases of U.S. assets have weakened somewhat over the past two quarters, and we look for further declines going forward. U.S. assets should lose some of their relative attractiveness as interest rate differentials between the United States and the rest of the world narrow further. We believe that the Fed's tightening cycle has come to an end, and the FOMC will cut rates early next year. In contrast, many foreign central banks have more tightening to do simply to return monetary policy to more "neutral" settings.

Some analysts warn that a dollar "meltdown" is in store, but we think the probability of that eventuality is rather low. A disorderly drop in the dollar's value could occur if the ability of U.S. borrowers to honor their foreign obligations were suddenly called into question. In our view, however, it would take a massive disruption to the U.S. economy, such as a crippling terrorist attack that shook the U.S. economy to its very foundation or a catastrophic natural disaster, to lead to a stampede of foreign capital. The most likely scenario, at least in our view, is one of modest dollar depreciation over the next year or so.

Current Account Deficit Widened a Bit, but Is Stabilization Just around the Corner?

The U.S. current account deficit in the second quarter was the second largest on record.

As shown in Exhibit 1, the U.S. current account deficit widened from $213.2 billion in the first quarter of 2006 to $218.4 billion in the second quarter, the second largest deficit on record. Previously released monthly trade data had already showed that the deficit in trade in goods and services, which comprises the vast majority of the overall current account deficit, had widened by about $2.7 billion in the second quarter.





Exhibit 1

 The news in the data release was the other two balances within the current account: the income balance and unilateral transfers. Investment income (coupon payments, dividends, profits from foreign subsidiaries, etc.) received by U.S. residents fell short of investment income paid to foreigners by $4.1 billion. In the first quarter, the deficit in the income balance had been only $2.5 billion. Looking forward, the deficit in the income balance will likely widen further, albeit at a rather modest pace, because foreign holdings of U.S. assets exceeded U.S. holdings of foreign assets by roughly $2.7 trillion at the end of 2005 (latest available data).1 In addition, unilateral transfers (e.g., foreign aid payments, foreign worker remittances to their home countries) totaled $20.4 billion in the second quarter, about $1 billion more than in the preceding quarter.

The United States will likely post another record deficit this year, but it may soon begin to narrow.

The bad news is that the United States will likely register yet another record deficit this year. Last year, the red ink in the current account totaled $792 billion. This year, the current account deficit is on pace to hit $860 billion, about 6.5% of GDP. The good news is that the deficit may top out this year. Exhibit 2 shows monthly trade deficits in both nominal and real (i.e., volume) terms. The nominal trade deficit continues to widen, which is consistent with the increase in the overall current account deficit. Not only have higher oil prices pushed up the value of petroleum imports this year, but the dollar's depreciation since the end of 2005 may also be inflating the nominal trade deficit. This socalled "J-curve effect" occurs because trade volumes change slowly. In the meantime, dollar depreciation means that it takes more dollars to buy a given volume of imports.

However, the real trade deficit appears to be stabilizing. Indeed, the volume of goods and services exports in the second quarter was up 8% relative to the same period in 2005, but import volumes grew only 6.2%. In the mid- to late 1980s, the last time that the U.S. current account deficit narrowed significantly, the turnaround in the real trade deficit preceded the diminution in the nominal trade deficit by about six quarters. Looking forward, we expect that the current account deficit will top out this year before narrowing somewhat next year. If our forecast of slower growth in U.S. domestic demand is correct, then import volumes should decelerate further.

Exhibit 2



Are Foreign Investors Becoming Less Enamored with the U.S. Economy?

A current account deficit, which means that a country spends more than it produces, needs to be financed by capital inflows from the rest of the world. In the case of the United States that means net capital inflows must total roughly $860 billion this year, or nearly $3.5 billion every business day. Although the red ink in the current account may decline somewhat over the next year or so, will foreign capital continue to pour into the United States in sufficient quantities to finance the deficit?

Foreign purchases of U.S. assets are beginning to weaken.

There already are signs to suggest that capital inflows are beginning to weaken somewhat. Although foreign direct investment in the United States remains rather solid at around $50 billion per quarter, Exhibit 3 shows that foreign purchases of U.S. securities have weakened for two consecutive quarters. Interest rate differentials between the United States and many foreign countries narrowed over the past few months as investors began to anticipate the end of the Fed's tightening cycle. In contrast, most market participants look for further tightening from many foreign central banks. Narrowing interest rate differentials have reduced the relative attractiveness of U.S. securities.

That said, foreign investors are hardly boycotting U.S. securities at present. Exhibit 4 shows that foreign investors purchased a whopping $908 billion in the 12 months through July. According to popular perception, the U.S. current account deficit is financed largely by foreign central banks, especially those in Asia. Like many popular perceptions, this one is not supported by the facts. Purchases of U.S. securities by the foreign official sector, essentially foreign central banks, totaled $126 billion over the past 12 months. Although this amount is not insignificant, it pales in comparison to purchases of U.S. securities by the foreign private sector.

Exhibit 3

The tax-law induced repatriation flows that helped to support the dollar last year have disappeared this year.

Not only do foreigners buy U.S. assets, but U.S. investors also buy foreign assets. Increased capital outflows, everything else equal, would cause the dollar to weaken because U.S. investors generally need to obtain foreign currencies to buy foreign assets. As shown in Exhibit 5, U.S. purchases of foreign securities are running just north of $50 billion per quarter at present, up a bit from the $45 billion per quarter that was averaged in 2005. U.S. foreign direct investment abroad, which appears to have collapsed in the second half of last year, has come roaring back. Actually, the apparent collapse last year had more to do with tax law changes than anything fundamental. A temporary change in the tax paid on foreign profits led to massive repatriation that showed up in the balance of payments as negative foreign direct investment. Indeed, repatriation flows may have helped to boost the dollar last year, and their subsequent end this year may be one of the reasons why the greenback has trended lower since the beginning of the year.

Exhibit 4



Exhibit 5



Conclusion

We project that the dollar will depreciate modestly over the next year or so.

Although the U.S. current account deficit may narrow somewhat in the quarters ahead, we believe that foreign purchases of U.S. assets, which have started to weaken, will decline further in the months ahead. We project that the Federal Reserve's tightening cycle has come to an end, and we look for the FOMC to cut rates early next year.2 We also believe that many major foreign central banks have a few more rates hikes up their sleeves, and narrowing interest rate differentials should further reduce the relative attractiveness of U.S. assets. Further declines in net capital inflows, in conjunction with a current account deficit that narrows only slowly, should exert modest downward pressure on the dollar (see Exhibit 6).

Exhibit 6: Forecast of Dollar Exchange Rates

Currency              06-Q4    07-Q1    07-Q2    07-Q3    07-Q4
Euro ($/€)            1.32        1.34        1.36        1.38        1.39
U.K. ($/£)            1.93        1.95        1.96        1.98        1.99
Switzerland (CHF/$)        1.20        1.18        1.17        1.16        1.15
Sweden (SEK/$)               6.95        6.80        6.65        6.50        6.45
Russia (RUB/$)  26.20     25.80     25.40     25.00     24.60
South Africa (ZAR/$)       7.50        7.60        7.70        7.80        7.90
Turkey (TRY/$)  1.50        1.52        1.54        1.56        1.58
Japan (¥/$)         112         108         104         100         98
Australia (US$/A$)           0.78        0.79        0.80        0.81        0.81
China (CNY/$)    7.85        7.80        7.70        7.60        7.50
India (INR/$)      45.60     45.20     44.80     44.50     44.30
Korea (KRW/$)  930         920         910         900         890
Singapore (S$/US$)         1.54        1.52        1.50        1.48        1.46
Taiwan (TWD/$)               32.25     31.75     31.25     31.00     30.80
Canada (C$/US$)              1.10        1.08        1.07        1.06        1.05
Mexico (MXN/$)              10.70     10.60     10.55     10.50     10.45
Brazil (BRL/$)     2.20        2.25        2.30        2.35        2.40
Some analysts contend that the dollar will depreciate much more sharply and significantly than our forecast projects. Although it would be foolish to cavalierly dismiss the risk of a dollar "meltdown", we think one is rather unlikely. A dollar "meltdown" would occur if foreign investors started to question the ability of U.S. borrowers (consumers, businesses and the government) to honor their obligations. Wholesale selling of U.S. securities, whose dollar proceeds would quickly be converted into foreign currencies, would put significant downward pressure on the greenback.

In our view, the probability of a dollar "meltdown" is rather low.

In our view, however, it would take a massive disruption to the U.S. economy, such as a crippling terrorist attack that shook the U.S. economy to its very foundation or a catastrophic natural disaster, to lead to a stampede of foreign capital. The U.S. capital markets are the broadest, most liquid and most transparent financial markets in the world and, short of an unforeseen disaster, foreigners seem quite willing to put money to work in the United States. There was no massive outflow of foreign capital after 9/11, and the dollar remained generally stable in the weeks after that event. If the most catastrophic terrorist attack in U.S. history does not trigger a dollar "meltdown" we're not sure what would.

Couldn't foreign central banks cause a run on the dollar? After all, the value of Japan's foreign exchange reserves total about $860 billion at present and China's reserves are closing in on $1 trillion. If a U.S.-Sino political spat developed, couldn't China start dumping its dollar reserves to pressure the United States? In theory, yes, but we do not place a high probability on that eventuality. China has about as much interest in a dollar crisis as the United States does (i.e., little interest). A dollar crisis would trigger a recession in the United States, which would put a serious dent in China's exports. Economic growth in China would slow, causing unemployment to rise and, with it, the risk of social instability. Chinese leaders simply do not want to go there. Japanese leaders also have little interest in a dollar crisis.

China and Japan would likely help to prop up the dollar if it came under significant selling pressure again.


If anything, the Chinese and Japanese governments would probably buy even more Treasury and agency securities if the dollar started to slide significantly again. Returning to Exhibit 4, purchases of U.S. assets by the foreign official sector rose significantly in late 2003/early 2004 when the dollar was encountering serious selling pressure. Indeed, the central banks in China and Japan intervened massively in the foreign exchange market during that period to help prop up the dollar, and they would likely do so again if the greenback started to weaken significantly. In sum, we believe the greenback will depreciate modestly over the next year or so, but we think the probability of a dollar collapse is rather low.

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