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Risk & Portfolio Construction Comparison

Calmar vs MAR Ratio

Calmar and MAR are close cousins from the managed-futures world, both designed to reward return per unit of worst-case loss rather than per unit of volatility. They share a structure, an annualized return on top and a maximum drawdown on the bottom, and they differ almost entirely in the measurement window. Calmar fixes a recent, rolling window so the number stays current. MAR uses everything since inception, so it gets steadily harder to flatter as the record lengthens and accumulates a deeper worst drawdown. This matrix compares the two and the consequences of that one design choice.

By AI Fin Hub Research · AI Fin Hub Team

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Calmar Ratio Option

Annualized return divided by maximum drawdown over a fixed recent window, conventionally the trailing three years. A current, rolling return-to-drawdown measure.

Pros

  • Stays current by using a fixed recent window, so it reflects how the strategy behaves now
  • Comparable across managers because everyone uses the same window length
  • Less hostage to an ancient drawdown that no longer reflects the current approach
  • Standard in managed futures, so the number is widely recognized and benchmarkable

Cons

  • A fixed window can miss a severe drawdown that fell just outside it, flattering the ratio
  • Still defined by a single worst-case event within the window, so it is noisy
  • Sensitive to where the window happens to start and end relative to the worst loss
  • Shorter window means fewer drawdown events, so the denominator is less stable

Comparing recent risk-adjusted performance across managers on a common, current window

MAR Ratio Option

Annualized return since inception divided by maximum drawdown over the entire track record. A whole-history, worst-case-aware return-to-drawdown measure.

Pros

  • Uses the full history, so it accounts for the worst loss the strategy has ever taken
  • Conservative: a longer record is more likely to have captured a genuine tail drawdown
  • Hard to game by choosing a favorable window, since the window is the whole life
  • Rewards strategies that have survived varied regimes without a catastrophic drawdown

Cons

  • Penalizes long track records, since more history means more chances for a deeper drawdown
  • Not comparable across managers with different inception dates and history lengths
  • An old, regime-irrelevant drawdown can dominate and depress a currently strong strategy
  • Still a single-event denominator, inheriting maximum drawdown's noisiness

Whole-history, worst-case evaluation of a single strategy and conservative due diligence on long records

Decision Table

See the tradeoffs side by side

Criterion Calmar Ratio MAR Ratio
Numerator Annualized return, fixed window Annualized return since inception
Drawdown window Fixed recent, usually 3 years Entire track record
Currentness High, reflects recent behavior Lower, blends all history
Conservatism Moderate High, captures worst-ever drawdown
Cross-manager comparability Good, common window Poor, differing histories
Window-selection risk Can miss a drawdown outside the window None, uses everything

Verdict

Pick by the question you are answering. For comparing managers head to head on a like-for-like basis, the Calmar ratio's fixed recent window is the fairer choice, because everyone is measured over the same span and the number reflects current behavior rather than ancient history. For conservative due diligence on a single strategy, the MAR ratio is more honest, because it refuses to ignore the worst drawdown the strategy ever took, even if that means penalizing a long, battle-tested record. Be aware of each one's blind spot: Calmar can be flattered by a severe drawdown that fell just outside its window, and MAR can be unfairly depressed by an old drawdown that no longer reflects how the strategy is run. As with all drawdown ratios, both rest on a single worst-case event, so pair either with a path-aware measure like the Ulcer Performance Index when ranking by holding experience.

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FAQ

Questions people ask next

The short answers readers usually want after the first pass.

The conventional Calmar window is the trailing three years of monthly returns, both for the annualized return in the numerator and the maximum drawdown in the denominator. Some practitioners vary this, but three years is the standard that makes Calmar values comparable across managers. The fixed window is the whole point: it keeps the ratio current and stops a long-ago drawdown from dominating, which is exactly where it differs from the inception-to-date MAR ratio.

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Planning estimates only — not financial, tax, or investment advice.