Stock markets in the US have enjoyed their best start to a year since 1997. Justin Lane / EPA
Stock markets in the US have enjoyed their best start to a year since 1997. Justin Lane / EPA

America's economy outperforms, and looks set for further growth



When is a stock market return of minus 1 per cent in 12 months a great buy signal? When the rest of the world has just fallen between 5 per cent and 25 per cent.

Amazingly, a dip of just minus 1 per cent last year was enough to make the US the world's best-performing major stock market. China, by comparison, fell 20 per cent and India dropped close to 30 per cent. Investors had grown so accustomed to being gloomy about the good old US of A, this relative "outperformance" took most of them by surprise.

It was a pleasant surprise, however, and has been compounded by a string of positive economic data on jobs and manufacturing. Suddenly, everybody wants a piece of the US.

By mid-February, the North American index was up 8.5 per cent in 2012 and the Dow Jones Industrial Average touched a post-Lehman high of 13,000 on February 28. On Monday, the index was up 6.07 per cent for the year and the Dow Jones was trading just below that psychological threshold of 13,000. US stock markets have enjoyed their best start to a year since 1997. America ain't dead yet.

So is this a false dawn or could 2012 really be America's year?

You can't help but be impressed by the resilience of the US. Last year, its economy managed to withstand the euro-zone crisis, the Japanese tsunami, oil price spikes, Middle East unrest and repeated toxic exposure to Kim Kardashian.

Manufacturing is now healthily above its five-year average, according to the ISM Manufacturing Index, which is good news for GDP growth, jobs, capital spending and world trade generally.

Retail sales are climbing and the country is also creating jobs. After peaking at 10 per cent in 2009, unemployment has fallen to 8.3 per cent. Non-farm payrolls have increased for the past 16 months, during which time 2.5 million jobs were created. That is slower than in previous recoveries, despite a worrying growth in hidden unemployment, but this is still welcome news.

The Federal Reserve's commitment to squeeze base rates until late 2014 has also boosted investor confidence. Events elsewhere have helped, notably the European Central Bank's decision to flood EU banks with liquidity in a bid to prevent them going into meltdown.

Most analysts expect the US to be the fastest-growing western market in 2012, with GDP growth tipped at about 2.8 per cent. By contrast, Canada, Europe, the UK and Japan will be lucky to notch 1 per cent.

The US is rediscovering its natural optimism, says Cormac Weldon, the head of US equities at Threadneedle, a fund manager. "When you look at Europe, the UK and Japan, it is all austerity. When you look at the US, you can see growth. And growth is exactly what you need to escape the current fiscal and monetary mess."

Unlike Europe, the US has got most of the pain out of the way. "When the US is in crisis, it tends to address its problems quite quickly. Take General Motors, which declared Chapter 11 bankruptcy in 2009," Mr Weldon says. "It has turned things round and is once again the world's number one car company. Property prices have fallen sharply, but that means housing is more affordable than it has ever been."

Even the banking system is on the mend. "The crazy lending has either been paid off or written down. The US banking system is now well capitalised, while Europe is still in dire straits."

As prospects for jobs improve, so does consumer confidence. "The recovery won't happen overnight, but it has started," Mr Weldon says.

The US also has another trick up its sleeve. Or rather, buried deep below the ground in its sedimentary rocks. Shale gas. Technological advances have made this gas easier to access on a commercial scale, potentially giving the US a massive source of cheap energy.

"Shale gas could even help to make the US self-sufficient within 10 to 15 years. If that happened, the impact would be massive. It would be great news for industry, jobs, farming and consumers. It might also help to put a cap on future oil price rises."

Anybody investing in the world's biggest economy must realise that it still faces plenty of challenges, Mr Weldon says. "It needs to come up with a viable plan to address its national debt, which is heading towards US$15.4 trillion [Dh56.5tn]. It spends 50 per cent more on health care per capita than any other developed country and as the population ages, that must be tackled. If gasoline prices rise further, this could put the brakes on the recovery."

But for now, it looks like the US is getting its mojo back. "The US has the capacity to reinvent itself. Most importantly, it has the capacity to grow. That makes it a good place to invest right now," Mr Weldon says.

The US recovery even withstood the loss of its prized triple AAA-rating last August, when Standard & Poors, the ratings agency, cut its credit rating by one notch to AA-plus, citing the government's budget deficit and rising debt burden.

Analysts had predicted a slump in the dollar and soaring borrowing costs for the US government, companies and consumers, but it didn't happen. Even the threat of a second downgrade in the next 12 to 18 months inflicted minimal damage.

The US dollar, the world's reserve currency and a safe haven in times of trouble, has been astonishingly strong, says Steve Gregory, a managing partner at the Dubai-based Holborn Assets, the financial services company. "The euro is seen as too risky. The Swiss franc was a safe haven until Switzerland pegged its currency to the euro to stop it becoming overvalued. That day, it fell 9 per cent against the dollar. With so many investors reluctant to invest in bonds and stocks, there are few places to park your money apart from US dollars. The question is, can it last?"

This is a question every investor in the US should ask. "It will be no fun buying US stocks, funds, bonds or property if the dollar subsequently declines in value. Unless you are paid in US dollars or a currency [is] pegged to the dollar, the value of your holdings will also fall," Mr Gregory says, adding that too many investors ignore currency risk.

"If the US stock market goes up 10 per cent and the dollar also rises 10 per cent, you have a 20 per cent gain. But it can also work in the other direction."

US share prices may continue their recovery this year, but any gains may be offset by a fall in the value of the dollar against rupees, roubles, rands and reals.

Every investor should have at least some exposure to the US, Mr Gregory says, and recommends mutual funds Fidelity American and JPM American Equity. "But you should also spread your risk and currency exposure by looking for more global investments as well."

Patrick Connolly, an investment analyst at AWD Chase de Vere, a brokerage firm, is positive about the prospects for US equities, at least in the short term. "We are currently overweight in client portfolios, but in the longer term, investors need to see decisive action to cut spending and reduce debt. At present, this is clearly lacking."

Mr Connolly recommends two actively managed mutual funds: Threadneedle American and Neptune US Opportunities. "The US stock market is so intensely researched that it is difficult for any fund manager to consistently beat the index. If you prefer a low-cost 'passive' index tracker fund instead, I would recommend HSBC American Index."

The global economy faces three major risks right now, says Richard B Hoey, the chief economist at BNY Mellon, a fund manager. "European financial stress, the Chinese property market and the Middle East, due to oil supply vulnerabilities."

None of these stem from the US, where Mr Hoey is bullish. "Unlike many other countries, the US economy is likely to grow faster in 2012 than 2011."

Americans have put off buying new cars and houses, but their appetite should return as the recovery gathers strength. "If necessary, the Fed is likely to respond to any shortfall in growth with additional easing steps, potentially including a QE3 [quantitative easing] programme focused on the mortgage sector." The danger is that tackling the huge US budget deficit is being pushed further and further into the distance.

"High budget deficits should persist for many years, but low interest rates make them easy to finance for now," Mr Hoey says.

The 2012 US recovery has history on its side, says Kully Samra, the branch director at Charles Schwab, the stockbroking company. "In January, the S&P 500 rose 4.4 per cent, its best start since 1997. The S&P has gained over 4 per cent in January on 17 other occasions since 1950. In 16 of the 17 cases, the market continued to move higher, with a median gain of 15 per cent between February and December."

The US is still vulnerable to global events. If Greece torpedoes the euro zone, the Chinese housing bubble bursts, or the Iran crisis turns nasty, the US won't escape the fallout.

Nor should investors expect a return to the type of growth we saw in the 1990s. Once the recovery is established, the Federal Reserve will call off QE and start hiking interest rates.

The nation will eventually finally have to tackle its debt mountain. It took 30 years to create, so it could take almost as long to clear.

Then there is the minor matter of a US presidential election. Stock markets have a habit of rising in an election year, as the incumbent fires up the economic feel-good factor and postpones tough decisions. Markets often slide afterwards, as unpopular choices are made.

2012 may be a positive year for investors in the US. What comes next could be more of a struggle.

Smart words at Make Smart Cool

Make Smart Cool is not your usual festival. Dubbed “edutainment” by organisers Najahi Events, Make Smart Cool aims to inspire its youthful target audience through a mix of interactive presentation by social media influencers and a concert finale featuring Example with DJ Wire. Here are some of the speakers sharing their inspiration and experiences on the night.
Prince Ea
With his social media videos accumulating more half a billion views, the American motivational speaker is hot on the college circuit in the US, with talks that focus on the many ways to generate passion and motivation when it comes to learning.
Khalid Al Ameri
The Emirati columnist and presenter is much loved by local youth, with writings and presentations about education, entrepreneurship and family balance. His lectures on career and personal development are sought after by the education and business sector.
Ben Ouattara
Born to an Ivorian father and German mother, the Dubai-based fitness instructor and motivational speaker is all about conquering fears and insecurities. His talk focuses on the need to gain emotional and physical fitness when facing life’s challenges. As well managing his film production company, Ouattara is one of the official ambassadors of Dubai Expo2020.

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MATCH INFO

Uefa Champions League semi-final, second leg result:

Ajax 2-3 Tottenham

Tottenham advance on away goals rule after tie ends 3-3 on aggregate

Final: June 1, Madrid

The specs
Engine: 2.7-litre 4-cylinder Turbomax
Power: 310hp
Torque: 583Nm
Transmission: 8-speed automatic
Price: From Dh192,500
On sale: Now
Hotel Data Cloud profile

Date started: June 2016
Founders: Gregor Amon and Kevin Czok
Based: Dubai
Sector: Travel Tech
Size: 10 employees
Funding: $350,000 (Dh1.3 million)
Investors: five angel investors (undisclosed except for Amar Shubar)

Confirmed%20bouts%20(more%20to%20be%20added)
%3Cp%3ECory%20Sandhagen%20v%20Umar%20Nurmagomedov%0D%3Cbr%3ENick%20Diaz%20v%20Vicente%20Luque%0D%3Cbr%3EMichael%20Chiesa%20v%20Tony%20Ferguson%0D%3Cbr%3EDeiveson%20Figueiredo%20v%20Marlon%20Vera%0D%3Cbr%3EMackenzie%20Dern%20v%20Loopy%20Godinez%0D%3Cbr%3E%3C%2Fp%3E%0A%3Cp%3ETickets%20for%20the%20August%203%20Fight%20Night%2C%20held%20in%20partnership%20with%20the%20Department%20of%20Culture%20and%20Tourism%20Abu%20Dhabi%2C%20went%20on%20sale%20earlier%20this%20month%2C%20through%20www.etihadarena.ae%20and%20www.ticketmaster.ae.%0D%3Cbr%3E%3C%2Fp%3E%0A
COMPANY PROFILE
Name: Almnssa
Started: August 2020
Founder: Areej Selmi
Based: Gaza
Sectors: Internet, e-commerce
Investments: Grants/private funding
Joker: Folie a Deux

Starring: Joaquin Phoenix, Lady Gaga, Brendan Gleeson

Director: Todd Phillips 

Rating: 2/5

The specs

Engine: 1.5-litre turbo

Power: 181hp

Torque: 230Nm

Transmission: 6-speed automatic

Starting price: Dh79,000

On sale: Now

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

Cricket World Cup League Two

Oman, UAE, Namibia

Al Amerat, Muscat

 

Results

Oman beat UAE by five wickets

UAE beat Namibia by eight runs

 

Fixtures

Wednesday January 8 –Oman v Namibia

Thursday January 9 – Oman v UAE

Saturday January 11 – UAE v Namibia

Sunday January 12 – Oman v Namibia

The specs

Engine: 1.5-litre 4-cylinder petrol

Power: 154bhp

Torque: 250Nm

Transmission: 7-speed automatic with 8-speed sports option 

Price: From Dh79,600

On sale: Now

Sanju

Produced: Vidhu Vinod Chopra, Rajkumar Hirani

Director: Rajkumar Hirani

Cast: Ranbir Kapoor, Vicky Kaushal, Paresh Rawal, Anushka Sharma, Manish’s Koirala, Dia Mirza, Sonam Kapoor, Jim Sarbh, Boman Irani

Rating: 3.5 stars

The specs: 2018 Kia Picanto

Price: From Dh39,500

Engine: 1.2L inline four-cylinder

Transmission: Four-speed auto

Power: 86hp @ 6,000rpm

Torque: 122Nm @ 4,000rpm

Fuel economy, combined: 6.0L / 100km

Day 1 results:

Open Men (bonus points in brackets)
New Zealand 125 (1) beat UAE 111 (3)
India 111 (4) beat Singapore 75 (0)
South Africa 66 (2) beat Sri Lanka 57 (2)
Australia 126 (4) beat Malaysia -16 (0)

Open Women
New Zealand 64 (2) beat South Africa 57 (2)
England 69 (3) beat UAE 63 (1)
Australia 124 (4) beat UAE 23 (0)
New Zealand 74 (2) beat England 55 (2)

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