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Root of variance by willpower between each information point relative to imply. Basically, the more spread out the data, the greater the difference is from the norm. The more securities held in a portfolio, and the more variety of types of securities, the less each individual security and its standard deviation matter to the whole portfolio. In addition to its numerous other useful applications, Bollinger Bands are used as an indicator of market volatility.

When a security has experienced a period of great volatility, the bands are wide apart. It means that if the benchmark gives a positive return, the fund will give a -ve return. In this case, Fund B is a better choice because Fund B generates more return for every unit of risk undertaken. Within debt funds, the SD of Liquid Fund will be lower in comparison to Dynamic Bond Fund which takes duration bet, or Gilt Fund which is susceptible to interest rate risk. We defined alpha as the excess return of the fund over and above the benchmark returns. Well, that is true, but we need to make a few small changes to that equation and include our newly introduced friend, beta. The risk-free return is the maximum return you can generate without taking any risk. By risk I mean — market risk, credit risk, interest rate risk, and unsystematic risk.

However, it is to be remembered that it is not good or bad, but an indicator of the data spread. Reproduction of news articles, photos, videos or any other content in whole or in part in any form or medium without express writtern permission of moneycontrol. An investor who would prefer a less bumpy ride would choose Fund B. Conservative investors who wish to preserve capital should focus on securities and fund portfolios with low betas while investors willing to take on more risk in search of higher returns should look for high beta investments.

As you can see, the 1st mutual fund is more in line with the category and index performance, while the second has a higher standard deviation, implying higher volatility. As an investor, you can take a call depending on your return expectations and risk appetite. Markets are volatile, and equities are volatile, mutual funds are volatile; this is the very nature of markets. In other cases, determining standard deviations on your own might involve complex math, so you may want to work with a professional if you want to calculate these figures. A standard deviation in investing works by measuring how much returns tend to stray from the average.

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