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Risk ManagementIntermediate

Correlation

A measure of how closely two assets move together, ranging from −1 (perfectly opposite) to +1 (perfectly in sync).

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Formula

ρ(X,Y) = Cov(X,Y) / (σX × σY)

Correlation quantifies the relationship between two price series. A correlation of +1 means the assets move in perfect lockstep; −1 means they move in exactly opposite directions; 0 means no linear relationship.

For risk management, correlation is critical because holding highly correlated assets provides far less diversification than it appears. Five long positions in tech stocks may behave like one large tech position in a crash — all fall together.

Example

Correlation between AAPL and MSFT ≈ 0.85 historically. Holding both means your "two positions" move almost like one. To reduce correlated risk, pair them with an asset class that has correlation closer to 0 or negative.

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