Saturday, April 12, 2025

The Bonds that Bind Us

There has been a lot in the news about the stock market fluctuations reacting to Trump’s tariffs. But political writers believe it was the large sell-off of bonds that finally persuaded Trump to hold off on the tariffs.

Treasury bonds are how governments borrow money to cover budget deficits. Bonds are considered the safest low-risk investments but with correspondingly low interest fixed rates. President Trump’s on-off announcements about tariffs, and the resulting economic chaos and fear of a recession, have shaken public confidence in the American government and economy, causing bond interest rates to increase. Because the increased risk of not getting paid interest, or not getting their money back, purchasers of bonds are now paying less for them and demanding a higher rate of interest. The increase may seem small, moving from about 4% to 4.5% in the last week (on 10 year bonds), but on trillions of debt it adds up.

As bond interest rises it pushes up the interest rates on mortgages and other loans. It also increases the portion of the budget dedicated to servicing the debt, reducing the amount left for essential services.

A key feature of the budget that just passed the House is the big tax cut that Trump has promised all his billionaire campaign donors. That tax cut will add 4 or 5 trillion dollars to the debt over the next few years which will require selling that many more bonds. Trump has painted himself into a corner here. He campaigned on the big tax cut then created a situation where it will be nigh impossible to finance it.

Thom Hartmann reports that $8.5 trillion of the $36 trillion US federal debt is owned by foreign countries: Canada $350b, Japan $1t, EU $1.5-2t, and China $760b. If these countries were to sell off their shares flooding the market, it would make it that much harder to find buyers for new bonds.

At the same time as bonds and stocks are selling off, the American dollar is declining in value compared with the currencies of its major trading partners. It dropped 0.9 percent in the last week.

Unlike President Trump, Canada’s current Prime Minister Mark Carney understands international finance – he was the Governor of the Bank of Canada and later of the Bank of England – the equivalent of the American Federal Reserve Board. And unlike Trump, the leaders of the other countries, if they don’t understand international finance, will listen to people who do.

Matt Eagan, a portfolio manager with Loomis, Sayles & Company interviewed for the NYT, put it succinctly: “Picking fights with major trading partners who also finance your debt becomes especially risky with a wide fiscal deficit and no credible plan to rein it in.”

Sources

https://hartmannreport.com/p/saturday-report-41225

https://www.theguardian.com/business/2025/apr/11/what-are-bonds-and-why-have-they-spooked-donald-trump

https://www.nytimes.com/2025/04/11/business/economy/treasury-bonds-tariffs.html

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