Could gold do a bitcoin in 2018? It's all to play for in these volatile times. Photo: Getty Images
Could gold do a bitcoin in 2018? It's all to play for in these volatile times. Photo: Getty Images

Could gold do a bitcoin and hit $10,000 an ounce in 2018?



After bitcoin’s spectacular price spike this year, could gold be about to stage a similar grand finale to its bull market that began back in 2000?

Bitcoin also took many years before its final speculative reach-for-the-sky. Indeed, the scramble to buy at the last minute has been reminiscent of gold’s previous price spike back in 1980 after a long run up in prices during the economically unstable 1970s.

There are certainly goldbugs who argue for $10,000 an ounce convincingly. Ex-CIA macroeconomic adviser Jim Rickards' latest tome, The New Case for Gold explains how gold will again be needed as a linchpin of the global economy.

Recently he has been writing this could come as soon as January 1, with a new kind of gold standard as an answer to US dollar instability.

Locally Richard Poulden, chairman and chief executive of Dubai-based and London-listed gold trader Wishbone Gold, has eloquently presented the case that massive Chinese gold buying in recent years can only be explained as preparation for a gold-backed yuan.

However, for either of these theories to come true, and it has to be said many macroeconomists would consider them far fetched, then the signs ought to be clearly visible in gold charts now and from fundamental analysis too.

Let’s consider the technical charts first.  Now while it is true that some speculators have dumped gold in 2017 to jump on the bitcoin bandwagon, and done very well, it is also true that gold has had a very good year.

In fact, gold prices in 2017 have risen from a low of $1,127 and peaked in the summer at $1,348. This is actually the gold price's best performance since 2010.

In short, the recovery from the 2011-2015 gold price correction has been gathering momentum. Without going into complex statistical analysis, some important chart trend lines have been broken in a bullish direction.

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Read more from Peter Cooper:

What to buy when the stock market crashes

New IPO just another part of Emaar's success story

The best bets for Gulf investors in the next five years: oil states, emerging markets and precious metals

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What has been frustrating this year is that the take-off for gold prices that seemed to be happening in the summer did not follow through. Blame bitcoin for stealing gold’s moment of glory, at least for the moment.

But that does not mean gold’s price spike is far away. It could come as soon as the bitcoin bubble bursts, or for that matter when overvalued global stock markets correct themselves.

You do not have to look very far among commentators to find eminently respectable bankers and economists who will tell you to stay well clear of bitcoin as a classic speculative bubble, or for predictions of stock market doom.

Bitcoin is a totally unregulated market, already prone to fraud and theft with exchanges that regularly breakdown.

Even the price spike itself tells you all you need to know: no asset class can ever sustain a price trajectory like that for long as it depends on attracting more and more buyers and this always has a limit.

So what happens when bitcoin blows up?

If history is any guide then in periods prone to investment bubbles, like ours with its low cost of capital and highly inflated asset prices, then speculation will move on to something else.

Why should it be gold and its even shinier sister silver? Well, historically, the people who always do best out of any investment bubble are usually those that cash out and buy precious metals.

There is also another better reason to be sure: gold and silver prices are relatively low and have lagged behind other asset classes since 2011. So if you are looking for an underpriced asset in an overpriced world then precious metals fit the bill nicely.

You could also argue that gold and silver have the backing of physical metal, unlike bitcoin - which is nothing more than a pile of computer code supposedly backed by your original cash deposit that may no longer exist. Gold is the ultimate safe haven asset in an uncertain world.

Then again maybe the gentlemen goldbugs mentioned in the opening paragraphs have a point too, and their analysis is not so far apart, they just come at it from different geographies.

Basically the world’s wealth is moving eastwards. China and Asia are rising while Europe and the United States are in relative decline. Hence it makes sense for China to do business in its own currency.

Why should the world’s largest importer of oil pay for it in US dollars? Why should oil exporters not accept yuan, especially when China is also now their biggest source of imports?

It makes sense. But how would you achieve such an epic shift in currency? Backing your currency with gold is one solution. It is how sound money was guaranteed before 1971 when Richard Nixon took the US dollar off the gold standard.

On the other hand, put yourself in the shoes of Donald Trump and what would be the best way to defend the US dollar against the rising tide of Chinese commerce? Putting the dollar back on something approximating to a gold standard would be a logical answer and might work.

Personally I believe the best immediate reason gold might suddenly spike to $10,000 in the course of 2018 - and I am not predicting this as I am not an astrologer - is that US dollar weakness looks to be an established trend now, and will get worse.

A weaker dollar is good for commodity prices - and that includes gold and silver, which always react strongly to the first whiff of inflation.

Inflation is making a comeback and US tax cuts will guarantee it by boosting the global economy further and putting upward pressure on global commodity and labour prices, while weakening the dollar by adding substantially to US debts.

Gold prices will respond by moving upward sharply and the madness of crowds could turn that into a bitcoin-style price spike. So yes, gold could get to $10,000 an ounce next year.

Peter Cooper has been writing about finance in the Gulf for more than 20 years

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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.”

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2 The Riyadh Dirt Sprint (TB) 1,200m (D) $1.500,000

3 The 1351 Turf Sprint 1,351m (Turf) $1,000,000

4 The Saudi Derby (TB) 1600m (D) $800,000

5 The Neom Turf Cup (TB) 2,100m (T) $1,000,000

6 The Obaiya Arabian Classic (PB) 2,000m (D) $1,900,000

7 The Red Sea Turf Handicap (TB) 3,000m (T) $2,500,000

8 The Saudi Cup (TB) 1,800m (D) $20,000,000

LA LIGA FIXTURES

Friday (UAE kick-off times)

Real Sociedad v Leganes (midnight)

Saturday

Alaves v Real Valladolid (4pm)

Valencia v Granada (7pm)

Eibar v Real Madrid (9.30pm)

Barcelona v Celta Vigo (midnight)

Sunday

Real Mallorca v Villarreal (3pm)

Athletic Bilbao v Levante (5pm)

Atletico Madrid v Espanyol (7pm)

Getafe v Osasuna (9.30pm)

Real Betis v Sevilla (midnight)

Generational responses to the pandemic

Devesh Mamtani from Century Financial believes the cash-hoarding tendency of each generation is influenced by what stage of the employment cycle they are in. He offers the following insights:

Baby boomers (those born before 1964): Owing to market uncertainty and the need to survive amid competition, many in this generation are looking for options to hoard more cash and increase their overall savings/investments towards risk-free assets.

Generation X (born between 1965 and 1980): Gen X is currently in its prime working years. With their personal and family finances taking a hit, Generation X is looking at multiple options, including taking out short-term loan facilities with competitive interest rates instead of dipping into their savings account.

Millennials (born between 1981 and 1996): This market situation is giving them a valuable lesson about investing early. Many millennials who had previously not saved or invested are looking to start doing so now.


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