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Capital Asset Pricing Model (CAPM)

What is the Capital Asset Pricing Model (CAPM)?

The Capital Asset Pricing Model (CAPM) is a model for calculating the required rate of return to offset risks when an asset is added to a diversified portfolio.

$$E(R)=R_f+\beta*(R-R_f)+\alpha$$

$E(R)$

$E(R)$ is the security's required rate of return.

$R_f$

$R_f$ is the risk-free borrowing rate.

Beta ($\beta$)

$\beta$ is the security's expected excess return sensitivity to the market risk-premium.

The risk that $\beta$ measures is the non-diversifiable risk, or the systematic risk, because it is the risk that cannot be reduced through diversification of the portfolio.

Alpha ($\alpha$)

$\alpha$ measures the risk-adjusted excess return of an asset. In other words, it measures the portion of an asset's expected return that is not accounted for by its riskiness. In an efficient market, $\alpha$ is zero.

Another way to think of this is that $\alpha$ is the value added through active investment management and $\beta$ is the market return.

The CAPM Model's Assumptions

The Capital Asset Pricing Model (CAPM) makes several assumptions to simplify the practice of trading securities and the preferences of investors:

The Efficient Frontier

Optimal Portfolios

To generate the efficient frontier for a given level of risk, one can plot all the optimal portfolios that yield the highest return at that risk level.

Diversifiable or Non-Systematic Risk

The efficient frontier plots all portfolios where $\alpha$ is zero. Here, the diversifiable or non-systematic risk is minimized since the optimal portfolio contains all available assets.

The Capital Allocation Line (CAL)

The Capital Allocation Line (CAL), which contains all the possible combinations of risky and risk-free assets, is the optimal risk-reward portfolio. The CAL is a plot of the CAPM equation with the intercept as the risk-free rate and the slope measuring the increase in expected return given an increase in risk.