Glossary
Returns & risk

Sharpe ratio

Return earned per unit of volatility endured.

It subtracts the risk-free rate from your return and divides by volatility, answering: were you rewarded for the bumpiness, or just bumped about? Above 1 is generally considered good.

It punishes upside volatility exactly as harshly as downside, which is strange: nobody complains about unexpected gains. It can also be gamed by strategies that produce small steady profits and rare catastrophic losses, which look wonderful right up until they do not.

The formula
Sharpe = (Return − Risk-free rate) ÷ Standard deviation
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 is the standard way to compare strategies that took different amounts of risk.

The mistake everyone makes

Trusting a high Sharpe from a strategy that sells insurance against rare disasters. The disaster has simply not happened yet.

Related terms

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