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Risk & Portfolio Construction Formula

Sharpe Ratio Formula

The Sharpe ratio is the mean excess return of a strategy divided by the standard deviation of its returns. Annualize a periodic Sharpe by multiplying by the square root of the number of periods per year.

By AI Fin Hub Research · AI Fin Hub Team
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Formula

Copy the exact expression or work through it step by step below.

Sharpe = (E[R_p] - R_f) / sigma_p Annualized: SR_annual = SR_period x sqrt(N) where N = periods per year (252 daily, 52 weekly, 12 monthly)

Variables

E[R_p]

Mean portfolio return

Arithmetic mean of the strategy's return over each period in the sample, expressed per period (per day, week, or month).

R_f

Risk-free rate

Return on a near-riskless asset over the same period, typically a short Treasury bill. Use the per-period rate, not the annual rate, so it matches the return frequency.

sigma_p

Return standard deviation

Standard deviation of per-period returns. This is the denominator that turns raw return into risk-adjusted return, and the term that makes the ratio sensitive to fat tails and autocorrelation.

N

Periods per year

Annualization factor. 252 for daily returns, 52 for weekly, 12 for monthly. The square root applies because variance scales linearly with time under the i.i.d. assumption while the mean scales linearly, so the ratio scales by sqrt(N).

Step By Step

  1. 1

    Compute the per-period excess return for each observation: subtract the per-period risk-free rate from each return.

    Monthly returns of 0.8% with a 0.3% monthly risk-free rate give an excess return of 0.5% per month.

  2. 2

    Take the mean of the per-period excess returns and the standard deviation of the per-period returns.

    Mean excess = 0.5%, standard deviation = 2.1% over 60 monthly observations.

  3. 3

    Divide the mean excess return by the standard deviation to get the per-period Sharpe ratio.

    0.5% / 2.1% = 0.238 per month.

  4. 4

    Annualize by multiplying the per-period Sharpe by the square root of the number of periods per year.

    0.238 x sqrt(12) = 0.82 annualized.

  5. 5

    Report the standard error alongside the point estimate. For an annualized Sharpe SR over T periods, a first-order standard error is approximately sqrt((1 + 0.5 x SR_period^2) / T).

    Over 60 monthly observations a Sharpe near 0.8 carries a standard error wide enough that the interval can include values well below 0.5.

Worked Example

Long-short equity strategy, 60 monthly observations

Mean monthly excess return

0.5%

Monthly return standard deviation

2.1%

Periods per year

12

Monthly Sharpe = 0.005 / 0.021 = 0.238. Annualized = 0.238 x sqrt(12) = 0.238 x 3.464 = 0.825.

Annualized Sharpe of about 0.82. Over only 60 months the estimate is noisy, so treat it as a range rather than a single number and confirm with an out-of-sample window before allocating.

Common Variations

Sortino ratio: replaces total standard deviation with downside deviation, so upside volatility no longer penalizes the score.
Information ratio: uses active return over a benchmark and tracking error instead of excess return over the risk-free rate.
Probabilistic Sharpe ratio: reports the probability that the true Sharpe exceeds a benchmark, accounting for skew, kurtosis, and sample length.
Deflated Sharpe ratio: adjusts the threshold for the number of strategies tried, correcting for selection bias from multiple testing.

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