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L9. Behavioral Finance

TOC

1. Technical Analysis

Technical analysis studies supply and demand in a market in an attempt to determine what direction, or trend, will continue in the future.
Assumptions:
  • Price moves in trends
  • Market participants tend to provide a consistent reaction to similar market stimuli over time

1.1 Dow Theory

The goal was to identify the primary trend and catch the big moves.
The market has three movements
  • Primary trend: last less than 1 year to several years
  • Secondary or intermediate trends: last from 10 days to 3 months
  • Minor trends: last from hours to a month
The trend is confirmed by volume: When prices move on low volumes, there could be many different explanations.
Three Phases:
  1. Accumulation phase:
      • Investors “in the know” are actively buying (sell) stock against the general opinion
      • Prices does not change much
  1. Public participation phase:
      • Market catches on to these astute investors
      • A rapid price change occurs
  1. Speculation phase:
      • The astute investors begin to distribute their holdings to the market
      • Price does not change much
Dow Jones Industrial Average: Trend
Dow Jones Industrial Average: Trend

1.2 Elliott Wave Theory

All developments result from human socio-economic processes: Collective investor psychology moves from optimism to pessimism and back
Every action is followed by a reaction: price movement up or down must be followed by a contrary movement
Trends show the main direction of prices while corrections move against the trend: Creating specific Elliott wave patterns
Elliott wave theory:
  • Five waves move in the direction of the main trend, followed by three waves in a correction (totaling a 5-3 move)
    • This 5-3 move then becomes two subdivisions of the next higher wave move
  • The underlying 5-3 pattern remains constant, though the time span of each wave may vary
The Basis of the Wave Principle
The Basis of the Wave Principle

2. Theoretical Foundation

2.1 Irrationality

Classical Theory
Campbell (2000): “Asset pricing is concerned with the sources of risk and the economic forces that determine the rewards for bearing risk.”
Cocharnce (2000): “The central task of financial economics is to figure out what are the real risks that drive asset prices and expected returns.”
Hirshleifer (2001): “The central task of asset pricing is to examine how expected returns are related to risk and to investor misvaluation.”
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Irrationality
  • Irrational traders cause deviations from fundamental value (FV)
  • Hormone.

2.2 Limits to Arbitrage

Limits to arbitrage
  • The actions of the arbitrageurs are limited
  • Strategies designed to correct the mispricing can be both risky and costly
  • “No free lunch” can also be true in a inefficient market
Considerations of Arbitrager:
  • Arbitragers may prefer to trade in the same direction as the noise traders, thereby exacerbating the mispricing, rather than against them
  • Firm managers can issue new stocks to eliminate the opportunity: transaction cost, risk of misprice
Risk and Costs
  • Fundamental risk
    • Substitute securities are rarely perfect
  • Noise trader risk
    • Mispricing being exploited by arbitrageur worsens in the short run
    • Separation of brains and capital: force arbitrageurs to liquidate theiry positions early
  • Implementation costs
Example: Index Inclusion
Strategy: Short the included security and to buy a substitute security
Cost and Risk:
  • Fundamental risk: no such substitute security
  • Noise trader risk: shoted stock may go up
  • Implementation cost: No (long and short are free)
Example: Internet Carve-outs
In march 2000, in an IPO, 3 com sold 5% of its wholly owned subsidiary palm INC, retaining ownership of the remaining 95%. In 9 months, spin off the remainder of palm, give each shareholder 1.5 shares of Palm. The shareholder of 3com indirectly owned 1.5 shares of Palm.
Thus, NA: price(3 com) = 1.5*price(Palm)
Actually, price(3 com) = 81; price(Palm) = 95
Arbitrage strategy: buy one share of 3com and short 1.5 share of Palm
Cost and Risk:
  • Fundamental risk: no
  • Noise trader risk: no
  • Implementation cost: yes ⇒ no enough stocks to trade

3. Psychological Biases

3.1 Overconfidence

Example: 82% of the sampled college students thought they were above average.
Consequence: high risk portfolio ⇒ reason: higher risk stocks and under-diversify
Source 1: Illusion of the knowledge:
  • No-use information
  • Example: Roll a fair six-sides die
Source 2: Illusion of control:
  • Making an active choice induces control
  • Example: choosing lottery number
Annual Portfolio Turnover
Annual Portfolio Turnover
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3.2 Fear of Regret

Regret: The emotional reaction people experience after realizing they’ve made an error in judgement
Example: You have been holding the same stock for months, a friend suggests a new stock
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Example 1: Disposition Effect
Investors are affected by the price at which they purchased the stock:
  • Selling winner stock: validates your good decision, enjoy price
  • Selling loser stock: realize your decision was bad, pain of regret
Investors to be predisposed to selling winners too early and riding losers too long (Schlarbaum et.al. JB, 1984)
Disposition Effect
Disposition Effect
Example 2: Allais Paradox
Investor violate the independent axiom,
Compare A1 and A2:
  • A1: 10% prob 1M + nothing
  • A2: 90% prob 1.5M + nothing
  • A1 < A2
Compare B1 and B2
  • B1: 100% prob 1M
  • B2: 90% prob 1.5 M + nothing
  • B1 > B2
By the structure of compound lotteries,
  • A1 = 0.1 prob of B1 + nothing
  • A2 = 0.1 prob of B2 + nothing
So if A1<A2, then B1<B2, a paradox
Explanation: The notion of regret, the expected regret is high because of the nontrivial probability 0.1 in B2.

Phenomena

Framing

Framing: individuals’ choices are substantially influenced by the context in which they are presented.
In the negative framework, participants were more interested in risky program.

Mental Accounting

Investor place each investment into a separate mental account
Matching costs to benefits
Sunk-cost effect
 
 
 

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