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Factor investing

Building portfolios around characteristics that have historically explained differences in return across assets, such as valuation, size, recent performance or profitability.

The idea is that most of what looks like stock picking is exposure to a small number of shared characteristics. If a manager's returns can be reproduced by tilting a cheap portfolio toward value and small caps, the manager was selling factor exposure rather than alpha.

Each documented factor comes with a story for why it might persist: compensation for a risk that shows up at bad times, or a behavioural pattern investors repeat. Both stories are contested, and a factor with neither explanation is hard to distinguish from data mining across the thousands of variables researchers have tested.

Factor premia are slow and irregular. Multi-year and occasionally decade-long stretches of underperformance are normal even for the best-documented factors, which is the practical reason most factor programmes are abandoned before they pay. See value-factor and factor-crowding.

Related: value-factor, size-factor, momentum-factor, quality-factor, fama-french-three-factor, smart-beta

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