INVESTMENT RISKS

Page Summary: Understanding the three dimensions of investment risks


Comment
Risk lies in the eye of the beholder.

Is it really risky to invest at the bottom?

 

 

 

 

Explanation
This is the standard deviation of monthly returns over 25 years.

 

Further Reading
Check out our strategy of Dynamic Diversification for selecting the most effective combinations of the major asset classes.

Definitions of Risk

Investors RouteMap provides assistance in assessing three dimensions of risk.

  • Poor Momentum    -    See tools for Bonds, Currencies, Shares and Styles.
  • High Volatility    -    Standard deviations of monthly changes are shown in Volatility.
  • Poor Value    -    Different valuation strategies highlight this for each asset class, Bonds, Currencies and Shares.

Risk assessment involves a high degree of subjective judgement. Value is subject to many differing interpretations, of which we have chosen just one set of possibilities. Overvalued assets may continue to show good momentum, and conversely assets that represent good value may display poor momentum. As a result of structural factors, such as the systematic under-recording of profits in some countries, it may often be less sensible to look at valuation of shares compared to peers and more meaningful to consider valuation relative to their own past, as  this service does. As regards volatility, that  may change over time. For example after a market crash certain assets may appear to be riskier owing to an increase in volatility, whereas they may then provide exceptional value and, once an upturn begins, also offer good momentum as well. Of all three dimensions, volatility is the only one that can be defined objectively.

Volatility

Sorted by lowest stock market volatility at the top

Countries & Regions

Currency

Bonds

Shares

. . . .

WORLD

.

2.5%

4.2%

WORLD EX JAPAN

.

2.5%

4.2%

GROUP OF SEVEN

.

2.7%

4.3%

EUROPE

.

2.3%

4.4%

EUROPE EX UK

.

2.3%

4.5%

WORLD EX EUROPE

.

3.7%

4.5%

UNITED STATES

1.4%

3.8%

4.5%

WORLD EX US

.

2.5%

4.5%

EURO-ZONE

2.5%

2.3%

4.6%

CANADA

1.8%

3.8%

4.8%

NETHERLANDS

2.6%

3.1%

4.9%

DENMARK

2.6%

3.2%

4.9%

SWITZERLAND

3.0%

3.8%

5.0%

JAPAN

2.8%

7.6%

5.1%

GERMANY

2.8%

3.3%

5.1%

BELGIUM

2.8%

3.3%

5.2%

NEW ZEALAND

2.9%

4.9%

5.5%

SWEDEN

2.7%

3.3%

5.9%

AUSTRALIA

2.8%

3.9%

5.9%

FRANCE

2.6%

3.2%

5.9%

AUSTRIA

2.7%

2.4%

6.0%

EMERGING MARKETS

.. .

6.1%

SOUTH AFRICA

5.1%

4.2%

6.1%

IRELAND

2.5%

4.9%

6.2%

CZECH REPUBLIC

2.8%

...

6.2%

SPAIN

2.1%

3.7%

6.3%

UNITED KINGDOM

2.9%

4.5%

6.4%

ASIA

. .

6.7%

INDIA

3.0%

..

7.1%

CHILE

3.8%

.

7.2%

FINLAND

2.7%

4.6%

7.3%

ITALY

2.5%

3.7%

7.4%

ISRAEL

1.8%

.

7.6%

SINGAPORE

1.6%

.

7.9%

EAST EUROPE

. .

8.0%

KOREA

3.4%

5.6%

8.2%

MALAYSIA

2.1%

.

8.7%

NORWAY

2.4%

3.8%

8.9%

THAILAND

3.0%

.

8.9%

TAIWAN

1.7%

.

9.3%

LATIN AMERICA

. .

9.9%

PORTUGAL

2.8%

4.5%

10.0%

ARGENTINA

1.5%

..

10.2%

HONG KONG

1.7%

.

10.8%

INDONESIA

7.7%

.

11.2%

POLAND

1.7%

.

11.5%

HUNGARY

2.0%

.

12.0%

GREECE

2.6%

.

12.0%

BRAZIL

1.9%

.

12.3%

MEXICO

4.5%

.

12.8%


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Copyright © 1999 Professional Investment Tools Ltd., authorised by the Financial Services Authority. Independent Financial Adviser (UK) and member of Investorside Research Association (US). Please read Financial Health Warning and Licence Agreement. UK laws apply exclusively. Principal sources: Consensus Economics, Corel Corp., FIBV, Global Financial Data, PIT, national governments and stock exchanges. Information and opinions are based on sources believed to be reliable and accurate. However PIT does not guarantee this to be the case, and does not accept liability for any loss arising. This is for information only and does not constitute a solicitation to deal in any securities. Opinions are liable to change. Past performance is no guarantee of future success. Last modified: January 01, 2002.