Register For Our Mailing List

Register to receive our free weekly newsletter including editorials.

Home / 421

In a short-term world, take a longer-term view

There is an old saying that when you are up to your knees in alligators, it is hard to remember that the original plan was to drain the swamp. In 2021, that swamp is the COVID-19 pandemic.

But the developed world has been thinking in shorter and shorter timeframes for some decades now, and some things like climate change are starting to tell us we have to take a longer view.

The increasing focus on the short term

So, this article is about standing back and taking a longer view of economic and financial issues, mainly in Australia, although a lot of the observations apply to the developed world at large. Just why is the western world into short-termism and slowing in resolve, and growth?

There are many reasons:

  • Relative world peace for some 75 years has led to a lower need of a re-building catch-up following wars, depressions and recessions which none of us want to repeat.
  • The well-off countries (in the OECD) are less hungry for growth than poor and emerging nations.
  • Productivity in the post-industrial infotronics age of services and technology is not matching the productivity growth of the previous industrial age of goods and electricity and telephony.
  • The new political dialectic of Rationalism versus Emotionalism (gut feel) is seeing the latter winning.
  • National and state leadership across the world is at levels similar to the 1930s (dictatorships, saber-rattling, fascism, corruption, short-termism or incompetence) and becoming rife.
  • Climate change is demanding preventative and alternative measures to avoid global catastrophes, that will slow many economies’ growth for some decades.

Australia's long-term economic growth

Australia’s growth over more than one and a half centuries is as good as anywhere. We can be thankful that in the post-WWII years, economic growth has been less lumpy, with fewer recessions and no depressions.

The absence of recessions is mainly due to agriculture shrinking from 20% of our GDP to 2%, thereby removing the recessions caused by droughts, floods and low export demand. Modern fiscal and monetary management helped avoid depressions, and some recessions.

But our economic growth has slowed from 5% pa in the 1950s to 2% pa in the 2020s.

Inflation was non-existent (averaged over any decade) for 217 years to WWI due to the Gold Standard. Since then, we have had four inflation cycles - unevenly - with average 25-year cycles, as we see below. The peak of the current fifth cycle is probably not due till later in this decade, perhaps into the early 2030s.

In turn, inflationary cycles create interest rate cycles, at least in real terms as we see in the next chart.

Focus should be on real rates

As we are regularly informed by our RBA Governor, we need not expect nominal interest rates let alone real rates to rise anytime soon. But, when we hear interest rates are at record 'lows', it’s not true. There have been 20 individual years when real rates have been much lower than recently. And the average real bond rate has averaged 2.4% pa for 160 years compared with an average 5.5% pa in nominal terms over the same time frame.

Then there is the sharemarket as measured by the All-Ordinaries Index over a century and a half as we see below.

What stands out is the extraordinary volatility over eight decades from the 1930s depression until the GFC in 2008-09, when deviations of ±30 to 60% were common. That said, there is no saying it won’t happen again with Price/Earnings ratios in some stockmarkets of over 40:1.

Australia has not gone that far into the stratosphere, fortunately, so we may experience less volatility when the next (inevitable) corrections come. There is a prima face average cycle of some 30 years at play, but of unequal lengths, so the next wide gyrations - if we get them at all - are due around the turn of the decade, or soon after.

Industry divisions: mining and agriculture

Then there are long cycles in the nation’s 19 industry divisions. The two industries that have dominated our exports for the past 233 years since British settlement (or 'invasion') are mining (our first export ever as coal was backloaded) and agriculture.

In 2021, however, agriculture has shrunk to just 2% of our GDP and around 5% of our exports, having dominated our total exports for most of the first 200 years. Mining now accounts for over half our exports although likely to be half that within 15 years or so.

They remind us that our industries run in cycles too when measured by their contribution to the nation’s economy (GDP). They are very different in their lifecycle lengths and peak shares of GDP, as are the other 17 industry divisions that make up our $2 trillion GDP these days.

Taking a long view creates much-needed perspective

We need longer-term vision of the sort we once had, and the sort that is now in evidence in fast-growing emerging markets, most which are in our own region - the Asia Pacific, headed by China - and in our mega-region of Asia including the Indian sub-continent, headed by India. Perhaps getting rich has made us soporific. Time to wake-up to the operational and competitive challenges as well as the fabulous opportunities.

 

Phil Ruthven AO is Founder of the Ruthven Institute and Founder of IBISWorld. The Ruthven Institute was created to help any business that wants to emulate world best performance and profitability using the Golden Rules of Success, based on over 45 years of corporate and industry analyses and strategy work. 

 


 

Leave a Comment:


RELATED ARTICLES

Why does Australia’s skewed stock market underperform?

Rosy markets ignore darker dividend outlook for ASX

11 ASX dividend stocks for the next decade

banner

Most viewed in recent weeks

Vale Graham Hand

It’s with heavy hearts that we announce Firstlinks’ co-founder and former Managing Editor, Graham Hand, has died aged 66. Graham was a legendary figure in the finance industry and here are three tributes to him.

The nuts and bolts of family trusts

There are well over 800,000 family trusts in Australia, controlling more than $3 trillion of assets. Here's a guide on whether a family trust may have a place in your individual investment strategy.

Welcome to Firstlinks Edition 583 with weekend update

Investing guru Howard Marks says he had two epiphanies while visiting Australia recently: the two major asset classes aren’t what you think they are, and one key decision matters above all else when building portfolios.

  • 24 October 2024

Warren Buffett is preparing for a bear market. Should you?

Berkshire Hathaway’s third quarter earnings update reveals Buffett is selling stocks and building record cash reserves. Here’s a look at his track record in calling market tops and whether you should follow his lead and dial down risk.

Preserving wealth through generations is hard

How have so many wealthy families through history managed to squander their fortunes? This looks at the lessons from these families and offers several solutions to making and keeping money over the long-term.

A big win for bank customers against scammers

A recent ruling from The Australian Financial Complaints Authority may herald a new era for financial scams. For the first time, a bank is being forced to reimburse a customer for the amount they were scammed.

Latest Updates

Shares

Looking beyond banks for dividend income

The Big Four banks have had an extraordinary run and it’s left income investors with a conundrum: to stick with them even though they now offer relatively low dividend yields and limited growth prospects or to look elsewhere.

Exchange traded products

AFIC on its record discount, passive investing and pricey stocks

A triple headwind has seen Australia's biggest LIC swing to a 10% discount and scuppered its relative performance. Management was bullish in an interview with Firstlinks, but is the discount ever likely to close?

Superannuation

Hidden fees are a super problem

Most Australians don’t realise they are being charged up to six different types of fees on their superannuation. These fees can be opaque and hard to compare across different funds and investment options.

Shares

ASX large cap outlook for 2025

Economic growth in Australia looks to have bottomed, which means it makes sense to selectively add to cyclical exposures on the ASX in addition to key thematics like decarbonisation and technological change.

Property

Taking advantage of the property cycle

Understanding the property cycle can be a useful tool to make informed decisions and stay focused on long-term goals. This looks at where we are in the commercial property cycle and the potential opportunities for investors.

Investment strategies

Is this bedrock of financial theory a mirage?

The concept of an 'equity risk premium' has driven asset allocation decisions for decades. A revamped study suggests it was a relatively short-lived phenomenon rather than the mainstay many thought.

Vale Graham Hand

It’s with heavy hearts that we announce Firstlinks’ co-founder and former Managing Editor, Graham Hand, has died aged 66. Graham was a legendary figure in the finance industry and here are three tributes to him.

Sponsors

Alliances

© 2024 Morningstar, Inc. All rights reserved.

Disclaimer
The data, research and opinions provided here are for information purposes; are not an offer to buy or sell a security; and are not warranted to be correct, complete or accurate. Morningstar, its affiliates, and third-party content providers are not responsible for any investment decisions, damages or losses resulting from, or related to, the data and analyses or their use. To the extent any content is general advice, it has been prepared for clients of Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892), without reference to your financial objectives, situation or needs. For more information refer to our Financial Services Guide. You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Past performance does not necessarily indicate a financial product’s future performance. To obtain advice tailored to your situation, contact a professional financial adviser. Articles are current as at date of publication.
This website contains information and opinions provided by third parties. Inclusion of this information does not necessarily represent Morningstar’s positions, strategies or opinions and should not be considered an endorsement by Morningstar.