By Thomas Streater

What a shocker! If you need a reason for why the Australian dollar and interest rates are likely to remain under pressure, then the third quarter growth data from Down Under is it.

The Australian dollar was treated with extreme prejudice on Wednesday morning, with the currency tumbling more than half a U.S. cent to a fresh 4 ½ year low in the moments after headlines flashed the disappointing news that year-on-year growth of 2.7% had missed market expectations of 3.1% growth. Worse still, nominal GDP contracted 0.1% in the quarter, the first decline since 2009.

Welcome to life after the commodities boom. The waning of the massive investment in new mining and energy projects weighed heavily on the third quarter GDP numbers, so too moves by many miners to defer planned projects given the hammering of iron ore and coal prices. The impact of weaker commodity prices is reflected in Australia's terms of trade, a measure of the relative price of exports in terms of imports, which declined 3.5% in the quarter.

Australia has long been viewed as a liquid, AAA-rated way to play China's turbocharged, yet resource intensive, growth. However, as China's growth has slowed, so too has the interest in all things Down Under. The Australian dollar, once chased as a high yield play, has come tumbling back from its mid-2011 record high of $1.10 to find itself struggling to hold the $0.84 mark on Wednesday evening. Many economists and currency strategists believe there is more weakness ahead for the 'Aussie' given the unspectacular outlook for growth and the possibility of interest rate cuts in 2015 at a time when the Federal Reserve may be raising U.S. interest rates.

The changing economic landscape has forced leading economists to reappraise their outlook for interest rates and the Australian dollar. Goldman Sachs, which had previously forecast no more interest cuts, rejigged its forecasts on Wednesday and now expects the Reserve Bank of Australia to deliver a quarter of a percentage point rate cut in March and another in August. Not surprisingly, the broker acknowledged that its 12 month forecast for the Australian dollar to trade at $0.82 "may look too optimistic relative to the change in our interest rate forecast". However, Goldman said the outlook for the currency will depend on the outlook for capital flows and commodity prices into 2015.

It's unlikely the RBA will be disappointed by the currency's weakness. The central bank has tried to jawbone the Australian dollar lower, noting recently that the currency's value "remains above most estimates of its fundamental value". It added that a lower exchange rate is likely to be needed to "achieve balanced growth in the economy".

Not that a weaker currency is all bad news. The lower Australian dollar will be welcomed by domestic manufacturers, given the elevated currency had crunched already tight margins squeezed by high labor costs and lackluster productivity. Given Australia ranked last in Boston Consulting Group's Global Manufacturing Cost Competitiveness Index, the currency's fall will be welcomed.

A decline in the Australian dollar will be a plus for Australian-listed companies with significant U.S. operations. These include building materials group James Hardie Industries (JHX.AU), packaging firm Amcor (AMC.AU), shopping mall operator Westfield (WFD.AU), blood products supplier CSL (CSL.AU), and share registry group Computershare (CPU.AU). Westfield is up 35% so far this year, while CSL has notched up gains of 25%.

A long term decline in the value of the Australian dollar will make things worse for households according to Freya Beamish, an economist at Lombard Street Research. While many talk of a "two speed" economy schism between mining and non-mining activities, the reality is that the two parts are connected. The fall in the terms of trade caused by lower commodity prices will translate into lower income for Australia, while a weaker currency meaning Australian face higher import costs and possibly higher inflation.

Credit Suisse strategist Hasan Tevfik believes slower Australian growth will lead to lower interest rates. That could be a boost to the Australian stockmarket, with Tevfik estimating the benchmark S&P/ASX200 Index could rise 13% to 6,000 points by the end of 2015. Stocks will receive a boost from the "lowest cost of debt in a generation".

The prospect of lower interest rates may prompt Australia's superannuation fund to seek out higher yielding investments, such as stocks. Australia's superannuation, or compulsory retirement savings scheme, is worth around $1.8 trillion. Self-managed superannuation funds, which are estimated to own around 16% of the Australian sharemarket based on Tevfik's estimates, have a preference for higher dividend paying stocks.

On the weakening dollar theme, Tevfik likes ResMed (RMD.AU), a manufacturer of medical devices to deal with sleeping disorders thanks to its mostly US revenues. Its cash holdings could make it a potential candidate for activist investors pushing for buybacks.

However, owning Australian stocks with overseas exposure doesn't come cheap. Goldman Sachs, while also bearish the Aussie dollar, notes that Australian stocks with developed market exposure trade at an average forward P/E of 20 times compared to 13.5 times for domestic cyclical and prefers dividend growers over defensive yield names.

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Email: thomas.streater@barrons.com

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