Glossary
Returns & risk

Correlation

The degree to which two things move together, from −1 to +1.

At +1 two assets move in lockstep and owning both achieves nothing. At 0 they are unrelated. At −1 they move exactly opposite. Diversification works entirely through this number.

The cruel property of correlation is that it rises in crises. Assets that seemed unrelated for a decade all fall together on the same afternoon, because in a panic everyone sells everything they can.

Figure

Volatile is not the same as risky

Volatile, fineCalm, ruined

The jumpy line ends higher. The calm one quietly walks to zero. Volatility is what you feel; risk is what actually takes your money.

Why it matters

It, and not the number of holdings, determines how much risk diversification actually removes.

The mistake everyone makes

Believing your diversification will hold up in a crash. Historically, it usually does not.

Related terms

See Correlation on a real company

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