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1. koheri+(OP)[view] [source] 2022-05-21 22:50:44
What most people don't understand about finance is that there are fundamental rules that you really cannot break without consequences.

Anyone who has studied quantitative finance knows that it is a HARD science. I worked with a Nobel prize winner in economics, and the math dominated. There was no politics, no opinions, no ethics involved. It really is a science.

Most social media characterize finance as some ethical vice or organized political power structure - and those people simply don't understand finance.

Talking to people who are looking to just tear down modern finance are no different than climate change deniers, antivax, or flat earthers... and yes, they even exist in crypto (and on HN).

replies(13): >>throwk+y >>monkey+U1 >>pyrale+T2 >>lolsci+93 >>Seanam+a3 >>323+p3 >>eterna+N4 >>Ygg2+Zt >>arinle+wK >>Reflec+FP >>mola+dX >>woolio+kZ >>athrow+Tr1
2. throwk+y[view] [source] 2022-05-21 22:54:10
>>koheri+(OP)
Is the math meaningful though?
replies(3): >>JumpCr+61 >>state_+62 >>simonh+p2
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3. JumpCr+61[view] [source] [discussion] 2022-05-21 22:57:57
>>throwk+y
> Is the math meaningful though?

"Meaningful" is squishy. Is it strongly predictive, and in some cases, definitive? Yes.

4. monkey+U1[view] [source] 2022-05-21 23:03:35
>>koheri+(OP)
Will understanding the math make me rich? :)
replies(2): >>jacobl+G2 >>mettam+j3
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5. state_+62[view] [source] [discussion] 2022-05-21 23:04:59
>>throwk+y
If we could all get a stable (guaranteed) 15% per year, everyone would invest. But the world economy doesn’t grow at 15%.
replies(1): >>tjs8rj+K2
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6. simonh+p2[view] [source] [discussion] 2022-05-21 23:06:33
>>throwk+y
To the same extent that money is meaningful.
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7. jacobl+G2[view] [source] [discussion] 2022-05-21 23:08:24
>>monkey+U1
It won't make you rich but it'll at the very least keep you from making yourself more poor.
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8. tjs8rj+K2[view] [source] [discussion] 2022-05-21 23:08:46
>>state_+62
The US economy doesn’t grow at 7% a year but that’s what the s&p is expected to do
replies(2): >>hrunt+w3 >>vkou+5x
9. pyrale+T2[view] [source] 2022-05-21 23:09:51
>>koheri+(OP)
> Most social media characterize finance as some ethical vice or organized political power structure - and those people simply don't understand finance.

Just because quantitative analysis has solid grounding doesn't mean that its use is unrelated to ethics. The finance establishment is an organized power structure whose decisions are political.

If you want an analogy, I'm pretty sure that you'll find plenty of people who used ballistics to achieve goals that you would find pretty unethical.

replies(1): >>pictur+by
10. lolsci+93[view] [source] 2022-05-21 23:11:27
>>koheri+(OP)
> There was no politics, no opinions, no ethics involved. It really is a science.

Except that there are humans involved. How do you boil arbitrary human action down to a HARD science?

11. Seanam+a3[view] [source] 2022-05-21 23:11:31
>>koheri+(OP)
As a single actor you can bend, but never break the rules. So you can achieve way better returns than the market as a whole does. Over time 10 - 200 x returns is achievable, don't think it comes cheap though, you need to dedicate large chunks of your life to it, and nothing is a guarantee.

However, the math approach to finance works because in its essence it is quantifying human reactions and or emotions, which in large crowds turns out to be more predictable. In the short run, still, software holds its edge with its probability approach but its not smart so that it is basically a rent seeker.

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12. mettam+j3[view] [source] [discussion] 2022-05-21 23:12:05
>>monkey+U1
Work at a HFT firm in Amsterdam. That type of finance knowledge will make you rich.
replies(1): >>djenen+wf
13. 323+p3[view] [source] 2022-05-21 23:12:43
>>koheri+(OP)
> It really is a science.

Physics is a science. Math is. Or Biology. Finance is not. Because it deals with the madness of crowds.

> Recipe for Disaster: The Formula That Killed Wall Street

> And Li's Gaussian copula formula will go down in history as instrumental in causing the unfathomable losses that brought the world financial system to its knees.

> Nassim Nicholas Taleb is particularly harsh when it comes to the copula. "People got very excited about the Gaussian copula because of its mathematical elegance, but the thing never worked," he says. "Co-association between securities is not measurable using correlation," because past history can never prepare you for that one day when everything goes south. "Anything that relies on correlation is charlatanism."

https://www.wired.com/2009/02/wp-quant/

replies(2): >>JumpCr+34 >>smugma+Yv
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14. hrunt+w3[view] [source] [discussion] 2022-05-21 23:13:26
>>tjs8rj+K2
Well, the S&P (assuming the S&P 500) doesn't represent the entire US economy, but 500 companies that represent, arguably, the "winners" of the US economy, so expecting them to grow 7% while the entire economy as a whole grows less is not unexpected.
replies(1): >>majorm+E3
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15. majorm+E3[view] [source] [discussion] 2022-05-21 23:14:18
>>hrunt+w3
How much of that is inflation? If, historically, GDP growth is about 3% and inflation is about 3%, and you're trying to invest in the strongest companies, is that how you get to 7%+?
replies(1): >>abakke+Vu
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16. JumpCr+34[view] [source] [discussion] 2022-05-21 23:16:52
>>323+p3
> Physics is a science. Math is. Or Biology. Finance is not. Because it deals with the madness of crowds.

If you follow the scientific method, it's science. If you write an observational essay, it's not. You can build theories around falsifiable, replicable experiments pertaining to the madness of crowds. The error bars are longer. But they are not infinite.

replies(4): >>323+W4 >>ipsin+1y >>j7ake+0J >>arinle+AK
17. eterna+N4[view] [source] 2022-05-21 23:22:41
>>koheri+(OP)
> social media ... organized political power structure

It's not just social media and it is somewhat disingenuous to dismiss the idea that finance, specially specially international finance, does not have (some form of) power [that actually trumps and transcends political power].

This is a somewhat interesting film that I was watching the other day. It's mere existence addresses the first bit -- that perception is certainly not limited to "social media". And of course the film itself is about a super secret gathering of G8 ministers where they struggle with the decision to put in place some (undisclosed) policy change that they all know will have very drastic consequences for the global average joe.

The Confessions (2016): https://www.imdb.com/title/tt4647784

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18. 323+W4[view] [source] [discussion] 2022-05-21 23:24:06
>>JumpCr+34
You are correct.

But when people say "finance is science" what they usually mean is "here is the complicated math that proves you can't lose money on this, we've modeled everything".

As the joke goes, 6 sigma events happen in finance every week.

replies(3): >>JumpCr+A5 >>Ygg2+8u >>bawolf+5F
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19. JumpCr+A5[view] [source] [discussion] 2022-05-21 23:28:18
>>323+W4
> when people say "finance is science" what they usually mean is "here is the complicated math that proves you can't lose money on this, we've modeled everything"

100% agree. When I was an algorithmic derivatives trader, we joked that the math was there to scare up investors and scare off compliance. Little did we know...

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20. djenen+wf[view] [source] [discussion] 2022-05-22 00:52:56
>>mettam+j3
So you can guarantee 20% returns? We're back where started.
replies(2): >>abakke+Ru >>vgathe+ww
21. Ygg2+Zt[view] [source] 2022-05-22 03:42:09
>>koheri+(OP)
If finance is a HARD science, where are replicated experiments? How did they account for alternative hypothesis?
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22. Ygg2+8u[view] [source] [discussion] 2022-05-22 03:45:13
>>323+W4
> we've modeled everything

That's a great science joke.

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23. abakke+Ru[view] [source] [discussion] 2022-05-22 03:56:24
>>djenen+wf
look - there are companies out there - Renaissance for one - who do make very good returns consistently. The difference is that not all returns are infinite. in fact, most good investments are finite - the market eventually catches on and then prices equilibrate. saying that there are no guaranteed 20% returns does not mean that with hard work and good strategy there are not 20% returns to be made on some arbitrary amount of principal at any given time.

put another way, its easy to earn 20% on a dollar. its hard to earn 20% on a billion dollars.

replies(1): >>former+Zr1
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24. abakke+Vu[view] [source] [discussion] 2022-05-22 03:58:08
>>majorm+E3
how many companies lose money for a few years and fold? if the S&P is winners, then it is counterbalanced by all the bad investments, pre revenue startups, and other businesses which are losing money. balancing out to 3% is not impossible.
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25. smugma+Yv[view] [source] [discussion] 2022-05-22 04:13:41
>>323+p3
Math is not science. Arithmetic and geometry were two of the original liberal arts (defined by Plato). Math doesn’t follow the scientific method. Math is a foundation for much of science and social science, but it is distinct from them.
replies(1): >>jmopp+kE
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26. vgathe+ww[view] [source] [discussion] 2022-05-22 04:24:08
>>djenen+wf
Market makers/HFT firms can have astronomical returns, hundreds of percents is not uncommon depending on how capital intensive the strategies are. The returns don't compound since strategies in this space are usually very capital constrained.
replies(1): >>dvt+QA
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27. vkou+5x[view] [source] [discussion] 2022-05-22 04:31:57
>>tjs8rj+K2
Population growth + inflation + transfer of wealth from workers to capital owners + productivity gains has over the long run been pretty close to 7%.
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28. ipsin+1y[view] [source] [discussion] 2022-05-22 04:46:28
>>JumpCr+34
Re: "The error bars are not infinite."

I feel like they are infinite? Because, for example, in hyperinflation, there's no upper bound on how long someone is going to keep printing money.

Any given instance will stop at a finite number, but you can't bank of that being the high water mark.

replies(2): >>jmopp+jD >>regula+9H
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29. pictur+by[view] [source] [discussion] 2022-05-22 04:49:00
>>pyrale+T2
That can also be said for nearly all specializations/ventures of us humans, right? Physics (nukes), chemistry (explosives and refined sugars), electronics engineering ("engagement optimization"), biology (human experiments maybe), philosophy (started many wars), etc. There doesn't seem to be many things where we haven't corrupted in some way. Everything is about ethics and politics(?)
replies(1): >>kadoba+Gy
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30. kadoba+Gy[view] [source] [discussion] 2022-05-22 04:57:50
>>pictur+by
Everything is political, and everything has ethical considerations, yes.

Refusing to take a side _is_ a side, it means you're fine with how things are going on their own.

This isn't corruption, it's just recognition that life has choices, and those choices have consequences, for yourself and others.

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31. dvt+QA[view] [source] [discussion] 2022-05-22 05:29:11
>>vgathe+ww
And they're also context constrained, so highly-successful strategies don't work indefinitely.
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32. jmopp+jD[view] [source] [discussion] 2022-05-22 06:00:57
>>ipsin+1y
Of course that can happen. But it's a low-risk event that falls outside the, say, 99% confidence interval.

It's like the notion of a 100-year flood. Of course there could be a tsunami or a dam failure that completely inundates an entire city, but at some point you've got to accept a small risk and ensure you are covered for it.

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33. jmopp+kE[view] [source] [discussion] 2022-05-22 06:12:21
>>smugma+Yv
I always tell people, Maths isn't a science. It's theoretical philosophy.
replies(1): >>auggie+xX
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34. bawolf+5F[view] [source] [discussion] 2022-05-22 06:21:52
>>323+W4
This is silly.

This is like saying physics is not science because the nutjobs claiming we will recieve divine revelation by praying to "the quantum energy field" use physics-y terms in their BS.

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35. regula+9H[view] [source] [discussion] 2022-05-22 06:45:18
>>ipsin+1y
Error bars aren't limits, they're percentiles.
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36. j7ake+0J[view] [source] [discussion] 2022-05-22 07:05:03
>>JumpCr+34
If you generate a process using a Cauchy distribution, you can observe finite error bars, but actually the variance of the generating process is infinite.

No matter how hard you model you won’t be able to predict processes that are fundamentally unpredictable. And you would get fooled because you only observe finite amount of data.

It is surprising how complicated the math gets even if you try to model very simple processes (eg think of the n-body problem and how complexity increases with every addition of a body). It is not a given that complicated models mean you’re modelling a complicated process.

37. arinle+wK[view] [source] 2022-05-22 07:20:14
>>koheri+(OP)
> Anyone who has studied quantitative finance knows that it is a HARD science. I worked with a Nobel prize winner in economics, and the math dominated. There was no politics, no opinions, no ethics involved. It really is a science.

Your comment makes no sense. Just because there's modeling involved that does not make it a hard science. A hard science requires stuff like the ability to perform controlled experiments and replicability, in order to arrive at a high degree of accuracy in predictions.

Throwing around partial differential equations does not turn something into a hard science. You need to meet way more requirements before you're in a position to claim that.

replies(2): >>ramchi+fT >>closed+YT
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38. arinle+AK[view] [source] [discussion] 2022-05-22 07:21:12
>>JumpCr+34
> If you follow the scientific method, it's science.

OP's claim was that quantitative finance was *hard science*. Requirements regarding predictability are way more stringent than merely observing stuff and seeing how it responds to an input.

replies(1): >>JumpCr+FM
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39. JumpCr+FM[view] [source] [discussion] 2022-05-22 07:43:22
>>arinle+AK
> OP's claim was that quantitative finance was hard science*

These are colloquial terms [1]. We might as well argue about whether Pop Tarts are ravioli or tacos sandwiches.

[1] https://en.wikipedia.org/wiki/Hard_and_soft_science

replies(2): >>c0balt+7P >>arinle+JS
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40. c0balt+7P[view] [source] [discussion] 2022-05-22 08:20:31
>>JumpCr+FM
What is(n't) a taco is a semi-solved problem[0].

[0]: https://cuberule.com/

41. Reflec+FP[view] [source] 2022-05-22 08:25:10
>>koheri+(OP)
The maths used in economics is widely known to be wrong.

When informed the maths in economics is wrong, the economists don't go and fix their maths either.

Economics is more like sociology with some random incorrect formulas written on the black board as set dressing.

Economics might in self loathing claim they are the "dismal science", but the cold hard truth is they simply speaking are not doing their jobs properly. It's a broken research field.

replies(1): >>pyrale+Sc2
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42. arinle+JS[view] [source] [discussion] 2022-05-22 09:07:09
>>JumpCr+FM
> These are colloquial terms [1].

Colloquial terms whose concrete meaning does not correspond to OP's claim.

There is no ambiguity in this: if your models are not testable and fail to predict behavior then it's not hard science.

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43. ramchi+fT[view] [source] [discussion] 2022-05-22 09:14:24
>>arinle+wK
It doesn't necessarily invalidate your point, but I would say astrophysics is a hard science, and yet a ton of it is based on observation and modeling of events we can't control or reproduce.
replies(2): >>progru+E71 >>Rexxar+q81
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44. closed+YT[view] [source] [discussion] 2022-05-22 09:20:14
>>arinle+wK
The controlled experiments are in the trading. The market validates the model, not the peers.

The scientific mindset is there, but not the publishing because the publishing destroys the value of the model. Once your model is known, others trade against your model and it becomes invalid.

45. mola+dX[view] [source] 2022-05-22 09:57:34
>>koheri+(OP)
Using math does not make something scientific. Math is a language based on logic, physics is a science using that language. Economics is Scholasticism that uses math as a language.

This comment is why the humanities should be a prerequisite for all academical endeavors...

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46. auggie+xX[view] [source] [discussion] 2022-05-22 10:02:04
>>jmopp+kE
I think it is rather the most practical philosophy there is.
47. woolio+kZ[view] [source] 2022-05-22 10:22:24
>>koheri+(OP)
It's really striking how in recent years the Godwin point has been replaced from "everybody who disagrees is Hitler" to "everybody who disagrees is a anti-climate flat-vax earth-denier". It's really not helping getting any point across. In a way it is self-realizing polarization: because you are casting any criticism of "modern finance" into this "bundle of badness" this is likely to reinforce their position.
replies(1): >>gwnywg+u81
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48. progru+E71[view] [source] [discussion] 2022-05-22 11:58:12
>>ramchi+fT
I don’t think astrophysics is a hard science anymore.
replies(1): >>platz+dn1
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49. Rexxar+q81[view] [source] [discussion] 2022-05-22 12:05:16
>>ramchi+fT
Some part of physics are not hard science at the moment as long as we can't perform observations/experiments to validate or invalidate theory (for example string theory). Some part of astrophysics are clearly not hard science at the moment.
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50. gwnywg+u81[view] [source] [discussion] 2022-05-22 12:05:44
>>woolio+kZ
I think you have the point, and it makes me worried to see your comment downvoted to oblivion.

It is worrying to see that people tend to just click thumbs down when they don't agree rather than to pick the towel and build a strong argument against what they don't agree with.

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51. platz+dn1[view] [source] [discussion] 2022-05-22 13:46:10
>>progru+E71
what about fundamental physics
replies(1): >>progru+Rnm
52. athrow+Tr1[view] [source] 2022-05-22 14:17:53
>>koheri+(OP)
its the Bank of Sweden Prize in Economic Sciences in Memory of Alfred Nobel, not a Nobel Prize.
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53. former+Zr1[view] [source] [discussion] 2022-05-22 14:18:24
>>abakke+Ru
What the fuck are you talking about? The Renaissance medallion fund isn't open to the public and is no longer generating double digit returns as of 2020 or 2021. Much of their performance can be attributed to the fact that they just didn't pay their taxes. A $6.8 billion fine just doesn't cut it in the face how much money they were making. The Medallion fund saw $11 billion in net outflows due to low returns in 2021. Their funds that are open to the public regularly offer negative and low single digit returns annually. Please do tell us more about how efficient this market.

https://www.pionline.com/hedge-funds/renaissance-technologie...

replies(1): >>abakke+8p6
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54. pyrale+Sc2[view] [source] [discussion] 2022-05-22 18:38:40
>>Reflec+FP
You're not talking about the same "economics". Quantitative analysis, as the person wrote, is pretty good at predicting things.
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55. abakke+8p6[view] [source] [discussion] 2022-05-24 02:47:05
>>former+Zr1
I was talking about the topic at hand: the possibility of consistent good rate of return. You are right - medallion has had some hard times recently. But, prior to that, it generated very good returns for a while.

You are not addressing the substance of my comment, namely that many investments are finite, and this is why infinite riskless investments don't work.

replies(1): >>former+AT9
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56. former+AT9[view] [source] [discussion] 2022-05-25 05:24:00
>>abakke+8p6
> You are not addressing the substance of my comment, namely that many investments are finite, and this is why infinite riskless investments don't work.

I agree that "infinite riskless investments don't work" and agree with the "possibility of consistent good rate of return." Many investments are indeed finite on a human scale. An investor will almost always want their money back with some return, no? At some point they'll take their money out of the investment or market and spend it. The particular issue was the claim that the Medallion Fund from Renaissance Technologies was a good example for a consistent rate of return. They may have done that but how would we know? Their data is self reported, and as far as I'm aware there's no publically available audits of their performance. Even if there were, we have evidence of their cheating at taxes through abuse of options. If I were you, I would take their claims with a very large lump of salt. Do you know who else claimed guaranteed double digit rates of return? Bernie Madoff. We might not have found out about his fraud either if it weren't for some whistleblowing and for his admission of wrongdoing.

The Medallion Fund may have returned 30-70% over decades. Do we really know for sure? I think you'd have been better off simply suggesting index funds for consistent returns for the average person or citing Warren Buffett or Bill Gross for generating alpha/consistent returns.

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57. progru+Rnm[view] [source] [discussion] 2022-05-29 13:14:53
>>platz+dn1
https://youtu.be/DHR-ggwafO8
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