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RBA Headed For A Cut In February 2020?

Published 12/17/2019, 01:14 AM
AUD/NZD
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AUD/NZD - 3 Month Performance

After their statement earlier this month, we highlighted that the RBA could ‘ease’ their way into 2020, and the release of today's minutes reaffirms this view. Noting February as a key date for them to “reassess the economic outlook”, data heading into next year is of vital importance to establish if February will be a live meeting.

There’s a plethora of data between now and the RBA’s February meeting we need to keep a close eye on, and it kicks off with employment data on Wednesday. To wrap up, during December there also was or will be job ads, housing credit and PMI’s ahead of trade data, business sentiment, retail sales, consumer sentiment, employment and CPI in January. So, there is a lot that can swing the needle but, unless we see data miraculously pick-up, a cut in February is likely on the cards.

Yet curiously, the RBA still see lower rates as stimulatory to the economy, despite flagging low business loan demand, low appetite for risk and acknowledging that low rates are weighing on consumer confidence (and therefore, spending). Still, it’s not for me to argue with them, but I do need to decipher where they stand and the message is clear: We’ll ease if data doesn’t pick up.

Despite the negative feedback loop with low rates, RBA could go lower still:

  • Despite the accommodative funding conditions for large businesses, growth in business debt had slowed, suggesting that demand for finance had softened
  • Households' expectations about future economic conditions had declined significantly since June
  • The Australian economy appeared to have reached a gentle turning point
  • Weak growth in household income continued to present a downside risk to consumer spending
  • Low appetite for risk could be constraining businesses' willingness to invest
  • Members also discussed community concerns about the effect of lower interest rates on confidence, noting the decline in business confidence and consumer sentiment this year
  • While members recognised the negative confidence effects for some parts of the community arising from lower interest rates, they judged that the impact of these effects was unlikely to outweigh the stimulus to the economy from lower interest rates
  • It would be important to reassess the economic outlook in February 2020, when the Bank would prepare updated forecasts
  • The Board had the ability to provide further stimulus to the economy, if required.
  • [The RBA is] prepared to ease monetary policy further if needed.
  • AUD/NZD Daily Chart

    AUD/NZD has refused every opportunity to properly retrace. Yet despite heading into the back of the year as volatility dies down, there’s still potential for further downside as we head into January. Just today, business confidence and activity in NZ hit its highest level this year and RBNZ have all but said they won’t cut in February. Therefore, any signs of weaker data from Australia will surely weigh on AUD/NZD as part of the ideal divergent theme we require as FX traders.

  • Bias remains bearish below 1.0488 / 1.0550 and a break below 1.0388 opens-up a run for the lows around 1.0300.
  • S&P/ASX 200 Index Daily Chart

    ASX200 is trading in a narrow range just off its record high. It appears to be waiting for trade deal confirmation, as it was the weekend hype which saw it rally back into the highs yesterday. Yet we have seen the ASX roll over from current levels previously after printing three small hammers around ATH’s, so bulls are not out of the woods yet.

    Like most (if not all) indices, December is generally a positive month for the ASX200, having posted positive averages returns over 50% of the time the past 5, 10, 15 and 30 years. Moreover, December closes higher 77.8% of the time these past 30 years in December, making it the most bullish month on average.

    Yet at time of writing, the monthly candle has is currently forming a bearish pinbar whilst the daily struggles at the highs. With less than two weeks to go, it remains on a knife edge as to whether it can enjoy its Santa rally. But whilst it trades beneath the ATH, another bump could be expected (especially if trade deal takes another step back). Whereas a break above 6893.70 assumes further upside and a happier close for December.

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