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Momentum’s Magic Number

This post is available as a PDF download here.

Summary­

  • In HIMCO’s May 2018 Quantitative Insight, they publish a figure that suggests the optimal holding length of a momentum strategy is a function of the formation period.
  • Specifically, the result suggests that the optimal holding period is one selected such that the formation period plus the holding period is equal to 14-to-18 months: a somewhat “magic” result that makes little intuitive, statistical, or economic sense.
  • To investigate this result, we construct momentum strategies for country indices as well as industry groups.
  • We find similar results, with performance peaking when the formation period plus the holding period is equal to 12-to-14 months.
  • While lacking a specific reason why this effect exists, it suggests that investors looking to leverage shorter-term momentum signals may benefit from longer investment horizons, particularly when costs are considered.

A few weeks ago, we came across a study published by HIMCO on momentum investing1.  Contained within this research note was a particularly intriguing exhibit.

Source: HIMCO Quantitative Insights, May 2018

What this figure demonstrates is that the excess cumulative return for U.S. equity momentum strategies peaks as a function of both formation period and holding period.  Specifically, the returns appear to peak when the sum of the formation and holding period is between 14-18 months.

For example, if you were to form a portfolio based upon trailing 6-1 momentum – i.e. ranking on the prior 6-month total returns and skipping the most recent month (labeled in the figure above as “2_6”) – this evidence suggests that you would want to hold such a portfolio for 8-to-12 months (labeled in the figure above as 14-to-18 months since the beginning of the uptrend).

Which is a rather odd conclusion.  Firstly, we would intuitively expect that we should employ holding periods that are shorter than our formation periods.  The notion here is that we want to use enough data to harvest information that will be stationary over the next, smaller time-step.  So, for example, we might use 36 months of returns to create a covariance matrix that we might hold constant for the next month (i.e. a 36-month formation period with a 1-month hold).  Given that correlations are non-stable, we would likely find the idea of using 1-month of data to form a correlation matrix we hold for the next 36-months rather ludicrous.

And, yet, here we are in a similar situation, finding that if we use a formation period of 5 months, we should hold our portfolio steady for the next 8-to-10 months.  And this is particularly weird in the world of momentum, which we typically expect to be a high turnover strategy.  How in the world can having a holding period longer than our formation period make sense when we expect information to quickly decay in value?

Perhaps the oddest thing of all is the fact that all these results center around 14-18 months.  It would be one thing if the conclusion was simply, “holding for six months after formation is optimal”; here the conclusion is that the optimal holding period is a function of formation period.  Nor is the conclusion something intuitive, like “the holding period should be half the formation period.”

Rather, the result – that the holding period should be 14-to-18 months minus the length of the formation period – makes little intuitive, statistical, or economic sense.

Out-of-Sample Testing with Countries and Sectors

In effort to explore this result further, we wanted to determine whether similar results were found when cross-sectional momentum was applied to country indices and industry groups.

Specifically, we ran three tests.

In the first, we constructed momentum portfolios using developed country index returns (U.S. dollar denominated; net of withholding taxes) from MSCI.  The countries included in the test are: Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Hong Kong, Ireland, Israel, Italy, Japan, Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, the United Kingdom, and the United States of America.  The data extends back to 12/1969.

In the second, we constructed momentum portfolios using the 12 industry group data set from the Kenneth French Data Library.  The data extends back to 7/1926.

In the third, we constructed momentum portfolios using the 49 industry group data set from the Kenneth French Data Library.  The data extends back to 7/1926.

For each data set, we ran the same test:

  • Vary formation periods from 5-1 to 12-1 months.
  • Vary holding periods from 1-to-26 months.
  • Using this data, construct dollar-neutral long/short portfolios that go long, in equal-weight, the top third ranking holdings and go short, in equal-weight, the bottom third.

Note that for holding periods exceeding 1 month, we employed an overlapping portfolio construction process.

Below we plot the results.

Source: MSCI and Kenneth French Data Library. Calculations by Newfound Research. Past performance is not a predictor of future results.  All information is backtested and hypothetical and does not reflect the actual strategy managed by Newfound Research.  Performance is net of all fees except for underlying ETF expense ratios.  Returns assume the reinvestment of all dividends, capital gains, and other earnings.

 

While the results are not as clear as those published by HIMCO, we still see an intriguing effect: returns peak as a function of both formation and holding period. For the country strategy, formation and holding appear to peak between 12-14 months, indicating that an investor using 5-1 month signals would want to hold for 7 months while an investor using 12-1 signals would only want to hold for 1 month.

For the industry data, the results are less clear.  Where the HIMCO and country results exhibited a clear “peak,” the industry results simply seem to “decay slower.”  In particular, we can see in the results for the 12-industry group test that almost all strategies peak with a 1-month holding period.  However, they all appear to fall off rapidly, and uniformly, after the time where formation plus holding period exceeds 16 months.

While less pronounced, it is worth pointing out that this result is achieved without the consideration of trading costs or taxes.  So, while the 5-1 strategy 12-industry group strategy return may peak with a 1-month hold, we can see that it later forms a second peak at a 9-month hold (“14 months since beginning uptrend”).  Given that we would expect a nine month hold to exhibit considerably less trading, analysis that includes trading cost estimates may exhibit even greater peakedness in the results.

Does the Effect Persist for Long-Only Portfolios?

In analyzing factors, it is often important to try to determine whether a given result is arising from an effect found in the long leg or the short leg.  After all, most investors implement strategies in a long-only capacity.  While long-only strategies are, technically, equal to a benchmark plus a dollar-neutral long/short portfolio2, the long/short portfolio rarely reflects the true factor definition.

Therefore, we want to evaluate long-only construction to determine whether the same result holds, or whether it is a feature of the short-leg.

Source: MSCI and Kenneth French Data Library. Calculations by Newfound Research. Past performance is not a predictor of future results.  All information is backtested and hypothetical and does not reflect the actual strategy managed by Newfound Research.  Performance is net of all fees except for underlying ETF expense ratios.  Returns assume the reinvestment of all dividends, capital gains, and other earnings.

We find incredibly similar results.  Again, country indices appear to peak between 12-to-14 months after the beginning of the uptrend.  Industry group results, while not as strong as country results, still appear to offer fairly flat results until 12-to-14 months after the beginning of the uptrend.  Taken together, it appears that this result is sustained for long-only portfolio implementations as well.

Conclusion

Traditionally, momentum is considered a high turnover factor.  Relative ranking of recent returns can vary substantially over time and our intuition would lead us to expect that the shorter the horizon we use to measure returns, the shorter the time we expect the relative ranking to persist.

Yet recent research published by HIMCO finds this intuition may not be true.  Rather, they find that momentum portfolio performance tends to peak 14-to-18 months after the beginning of the uptrend in measured. In other words, a portfolio formed on prior 5-month returns should hold between 9-to-13 months, while a portfolio formed on the prior 12-months of returns should only hold 2-to-6 months.

This result is rather counter-intuitive, as we would expect that shorter formation periods would require shorter holding periods.

We test this result out-of-sample, constructing momentum portfolios using country indices, 12-industry group indices, and 49-industry group indices. We find a similar result in this data. We then further test whether the result is an artifact found in only long/short implementations whether this information is useful for long-only investors.  Indeed, we find very similar results for long-only implementations.

Precisely why this result exists is still up in the air.  One argument may be that the trade-off is ultimately centered around win rate versus the size of winners.  If relative momentum tends to persist for only for 12-to-18 months total, then using 12-month formation may give us a higher win rate but reduce the size of the winners we pick.  Conversely, using a shorter formation period may reduce the number of winners we pick correctly (i.e. lower win rate), but those we pick have further to run. Selecting a formation period and a holding period such that their sum equals approximately 14 months may simply be a hack to find the balance of win rate and win size that maximizes return.

 


 

Two Centuries of Momentum

This post is available as a PDF download here.

A momentum-based investing approach can be confusing to investors who are often told that “chasing performance” is a massive mistake and “timing the market” is impossible.

Yet as a systematized strategy, momentum sits upon nearly a quarter century of positive academic evidence and a century of successful empirical results.

Our firm, Newfound Research, was founded in August 2008 to offer research derived from our volatility-adjusted momentum models.  Today, we provide tactically risk-managed investment portfolios using those same models.

Momentum, and particularly time-series momentum, has been in our DNA since day one.

In this Foundational Series piece, we want to explore momentum’s rich history and the academic evidence demonstrating its robustness across asset classes, geographies, and market cycles.

1. What is momentum?

Momentum is a system of investing that buys and sells based upon recent returns.  Momentum investors buy outperforming securities and avoid – or sell short – underperforming ones.

The notion is closely tied to physics.  In physics, momentum is the product of the mass and velocity of an object.  For example, a heavy truck moving at a high speed has large momentum.  To stop the truck, we must apply either a large or a prolonged force against it.

Momentum investors apply a similar notion.  They assume outperforming securities will continue to outperform in absence of significant headwinds.

 

2. The Two Faces & Many Names of Momentum

2.1 Relative Momentum

The phenomenon of relative momentum is also called cross-sectional momentum and relative strength.

Relative momentum investors compare securities against each other’s performance.  They favor buying outperforming securities and avoiding – or short-selling – underperforming securities.

Long-only relative momentum investors rotate between a subset of holdings within their investable universe. For example, a simple long-only relative strength system example is “best N of.”  At rebalance, this system sells its current holdings and buys the top N performing securities of a basket. In doing so, the strategy seeks to align the portfolio with the best performing securities in hopes they continue to outperform.

2.2 Absolute Momentum

Absolute momentum is also referred to as time-series momentum or trend following.

Absolute momentum investors compare a security against its own historical performance.  The system buys positive returning securities and avoids, or sells short, negative returning securities.

The primary difference is that relative momentum makes no distinction about return direction. If all securities are losing value, relative momentum will seek to invest in those assets that are going down least. Absolute momentum will seek to avoid negative returning assets.

 

3. A Brief History of Momentum

3.1 Early Practitioners

Momentum is one of Wall Street’s oldest investment strategies.

In 1838, James Grant published The Great Metroplis, Volume 2. Within, he spoke of David Ricardo, an English political economist who was active in the London markets in the late 1700s and early 1800s. Ricardo amassed a large fortune trading both bonds and stocks.

According to Grant, Ricardo’s success was attributed to three golden rules:

As I have mentioned the name of Mr. Ricardo, I may observe that he amassed his immense fortune by a scrupulous attention to what he called his own three golden rules, the observance of which he used to press on his private friends. These were, “Never refuse an option* when you can get it,”—”Cut short your losses,”—”Let your profits run on.” By cutting short one’s losses, Mr. Ricardo meant that when a member had made a purchase of stock, and prices were falling, he ought to resell immediately. And by letting one’s profits run on he meant, that when a member possessed stock, and prices were raising, he ought not to sell until prices had reached their highest, and were beginning again to fall. These are, indeed, golden rules, and may be applied with advantage to innumerable other transactions than those connected with the Stock Exchange.

The rules “cut short your losses” and “let your profits run on” are foundational philosophies of momentum.

Following in Ricardo’s footsteps are some of Wall Street’s greatest legends who implemented momentum and trend-following techniques.

Charles H. Dow (1851 – 1902) was the founder and first editor of the Wall Street Journal as well as the co-founder of Dow Jones and Company. In his Wall Street Journal column, he published his market trend analysis, which eventually developed into a body of research called Dow theory. Dow theory primarily focuses on the identification of trends as being the key signal for investing.

Jesse Livermore (1877 – 1940) was a stock market speculator in the early 1900s who famously made – and subsequently lost – two massive fortunes during the market panic of 1907 and crash of 1929.  He is attributed (by Edwin Lefèvre, in Reminiscences of a Stock Operator) to saying,

[T]he big money was not in the individual fluctuations but in the main movements … sizing up the entire market and its trend.

Livermore claimed that his lack of adherence to his own rules was the main reason he lost his wealth.

In the same era of Livermore, Richard Wyckoff (1873 – 1934) noted that stocks tended to trend together. Thus he focused on entering long positions only when the broad market was trending up.  When the market was in decline, he focused on shorting.  He also emphasized the placement of stop-losses to help control risk.

He was personally so successful with his techniques, he eventually owned nine and a half acres in the Hamptons.

Starting in the 1930s, George Chestnutt successfully ran the American Investors Fund for nearly 30 years using relative strength techniques. He also published market letters with stock and industry group rankings based on his methods.  He wrote,

[I]t is better to buy the leaders and leave the laggards alone. In the market, as in many other phases of life, ‘the strong get stronger, and the weak get weaker.’

In the late 1940s and early 1950s, Richard Donchian developed a rules based technical system that became the foundation for his firm Futures, Inc.  Futures, Inc. was one of the first publicly held commodity funds.  The investment philosophy was based upon Donchian’s belief that commodity prices moved in long, sweeping bull and bear markets.  Using moving averages, Donchian built one of the first systematic trend-following methods, earning him the title of the father of trend-following.

In the late 1950s, Nicholas Darvas (1920 – 1977), trained economist and touring dancer, invented “BOX theory.”  He modeled stock prices as a series of boxes.  If a stock price remained in a box, he waited.  As a stock price broke out of a box to new highs, he bought and placed a tight stop loss.  He is quoted as saying, 

I keep out in a bear market and leave such exceptional stocks to those who don’t mind risking their money against the market trend.

Also during the 1950s and 1960s was Jack Dreyfus, who Barron’s named the second most significant money manager of the last century. From 1953 to 1964, his Dreyfus Fund returned 604% compared to 346% for the Dow index. Studies performed by William O’Neil showed that Dreyfus tended to buy stocks making new 52-week highs. It wouldn’t be until 2004 that academic studies would confirm this method of investing.

Richard Driehaus took the momentum torch during the 1980s. In his interview in Jack Schwager’s The New Market Wizards, he said he believed that money was made buying high and selling higher.

That means buying stocks that have already had good moves and have high relative strength – that is, stocks in demand by other investors. I would much rather invest in a stock that’s increasing in price and take the risk that it may begin to decline than invest in a stock that’s already in a decline and try to guess when it will turn around.

3.2 Earliest Academic Studies

In 1933, Alfred Cowles III and Herbert Jones released a research paper titled Some A Posteriori Probabilities in Stock Market Action. Within it they specifically focused on “inertia” at the “microscopic” – or stock – level.

They focused on counting the ratio of sequences – times when positive returns were followed by positive returns, or negative returns were followed by negative returns – to reversals – times when positive returns were followed by negative returns, and vice versa.

Their results:

It was found that, for every series with intervals between observations of from 20 minutes up to and including 3 years, the sequences out-numbered the reversals. For example, in the case of the monthly series from 1835 to 1935, a total of 1200 observations, there were 748 sequences and 450 reversals. That is, the probability appeared to be .625 that, if the market had risen in a given month, it would rise in the succeeding month, or, if it had fallen, that it would continue to decline for another month. The standard deviation for such a long series constructed by random penny tossing would be 17.3; therefore the deviation of 149 from the expected value of 599 is in excess of eight times the standard deviation. The probability of obtaining such a result in a penny-tossing series is infinitesimal.

Despite the success of their research on the statistical significance of sequences, the next academic study on momentum was not released for 30 years.

In 1967, Robert Levy published Relative Strength as a Criterion for Investment Selection. Levy found that there was “good correlation between past performance groups and future … performance groups” over 26-week periods. He states:

[…] the [26-week] average ranks and ratios clearly support the concept of continuation of relative strength. The stocks which historically were among the 10 per cent strongest (lowest ranked) appreciated in price by an average of 9.6 per cent over a 26-week future period. On the other hand, the stocks which historically were among the 10 per cent weakest (highest ranked) appreciated in price an average of only 2.9 per cent over a 26-week future period.

Unfortunately, the scope of the study was limited. The period used in the analysis was only from 1960 to 1965. Thus, of the 26-week periods tested, only 8 were independent. In Levy’s words, “the results were extensively intercorrelated; and the use of standard statistical measures becomes suspect.” Therefore, Levy omitted these statistics.

Despite its promise, momentum research went dark for the next 25 years.

4. The Dark Days of Momentum Research

Despite the success of practitioners and promising results of early studies, momentum would go largely ignored by academics until the 1990s.

Exactly why is unknown, but we have a theory: fundamental investing, modern portfolio theory, and the efficient market hypothesis.

4.1 The Rise of Fundamental Investing

In 1934, Benjamin Graham and David Dodd published Security Analysis. Later, in 1949, they published The Intelligent Investor. In these tomes, they outline their methods for successful investing.

For Graham and Dodd, a purchase of stock was a purchase of partial ownership of a business. Therefore, it was important that investors evaluate the financial state of the underlying business they were buying.

They also defined a strong delineation between investing and speculating. To quote,

An investment operation is one which, upon thorough analysis, promises safety of principal and an adequate return. Operations not meeting these requirements are speculative.

Speculative was a pejorative term. Even the title of The Intelligent Investor implied that any investors not performing security analysis were not intelligent.

The intelligent investor began her process by computing a firm’s intrinsic value. In other words, “what is the business truly worth?” This value was either objectively right or wrong based on the investor’s analysis. Whether the market agreed or not was irrelevant.

Once an intrinsic value was determined, Graham and Dodd advocated investors buy with a margin of safety. This meant waiting for the market to offer stock prices at a deep discount to intrinsic value.

These methods of analysis became the foundation of value investing.

To disciples of Graham and Dodd, momentum is speculative nonsense. To quote Warren Buffett in The Superinvestors of Graham-and-Doddsville:

I always find it extraordinary that so many studies are made of price and volume behavior, the stuff of chartists. Can you imagine buying an entire business simply because the price of the business had been marked up substantially last week and the week before?

4.2 Modern Portfolio Theory and the Efficient Market Hypothesis

In his 1952 article “Portfolio Selection,” Harry Markowitz outlined the foundations of Modern Portfolio Theory (MPT). The biggest breakthrough of MPT was that it provided a mathematical formulation for diversification.

While the concept of diversification has existed since pre-Biblical eras, it had never before been quantified. With MPT, practitioners could now derive portfolios that optimally balanced risk and reward. For example, by combining assets together, Markowitz created the efficient frontier: those combinations for which there is the lowest risk for a given level of expected return.

By introducing a risk-free asset, the expected return of any portfolio constructed can be linearly changed by varying the allocation to the risk-free asset. In a graph like the one on the left, this can be visualized by constructing a line that passes through the risk-free asset and the risky portfolio (called a Capital Allocation Line or CAL). The CAL that is tangent to the efficient frontier is called the capital market line (CML). The point of tangency along the efficient frontier is the portfolio with the highest Sharpe ratio (excess expected return divided by volatility).

According to MPT, in which all investors seek to maximize their Sharpe ratio, an investor should only hold a mixture of this portfolio and the risk free asset. Increasing the allocation to the risk-free asset decreases risk while introducing leverage increases risk.

The fact that any investor should only hold one portfolio has a very important implication: given all the assets available in the market, all investors should hold, in equal relative proportion, the same portfolio of global asset classes. Additionally, if all investors are holding the same mix of assets, in market equilibrium, the prices of asset classes – and therefore their expected returns – must adjust such that the allocation ratios of the assets in the tangency portfolio will match the ratio in which risky assets are supplied to the market.

Holding anything but a combination of the tangency portfolio and the risk-free asset is considered sub-optimal.

From this foundation, concepts for the Capital Asset Pricing Model (CAPM) are derived. CAPM was introduced independently by Jack Treynor, William Sharpe, John Lintner, and Jan Mossin from 1961-1966.

CAPM defines a “single-factor model” for pricing securities. The expected return of a security is defined in relation to a risk-free rate, the security’s “systematic” risk (sensitivity to the tangency portfolio), and the expected market return. All other potentially influencing factors are considered to be superfluous.

While its origins trace back to the 1800s, the efficient market hypothesis (EMH) was officially developed by Eugene Fama in his 1962 Ph.D. thesis.

EMH states that stock prices reflect all known and relevant information and always trade at fair value. If stocks could not trade above or below fair value, investors would never be able to buy them at discounts or sell them at premiums. Therefore, “beating the market” on a risk-adjusted basis is impossible.

Technically, MPT and EMH are independent theories. MPT tells us we want to behave optimally, and gives us a framework to do so. EMH tells us that even optimal behavior will not generate any return in excess of returns predicted by asset pricing models like CAPM.

Markowitz, Fama, and Sharpe all went on to win Nobel prizes for their work.

4.3 Growing Skepticism Towards Technical Analysis

Technical analysis is a category of investing methods that use past market data – primarily price and volume – to make forward forecasts.

As a category, technical analysis is quite broad. Some technicians look for defined patterns in price charts. Others look for lines of support or resistance. A variety of indicators may be calculated and used. Some technicians follow specific techniques – like Dow theory or Elliot Wave theory.

Unfortunately, the broad nature of technical analysis makes it difficult to evaluate academically. Methods vary widely and different technical analysts can make contradictory predictions using the same data.

Thus, during the rise of EMH through the 1960s and 1970s, technical analysis was largely dismissed by academics.

Since momentum relies only on past prices, and many practitioners used tools like moving averages to identify trends, it was categorized as a form of technical analysis.  As academics dismissed the field, momentum went overlooked.

4.4 But Value Research Went On

Despite CAPM, EMH, and growing skepticism towards technical analysis, academic research for fundamental investing continued. Focus was especially strong on value investing.

For example, in 1977, S. Basu authored a comprehensive study on value investing, titled Investment Performance of Common Stocks in Relation to their Price-Earnings Ratios: A Test of the Efficient Market Hypothesis. Within, Basu finds that the return relationship strictly increases for stocks sorted on their price-earnings ratio. Put more simply, cheap stocks outperform expensive ones.

Unfortunately, in many of these studies, the opposite of value was labeled growth or glamor. This became synonymous with high flying, over-priced stocks. Of course, not value is not the same as growth. And not value is certainly not the same as momentum. It is entirely possible that a stock can be in the middle of a positive trend, yet still be undervalued.  Nevertheless, it is easy to see how relatively outperforming and over-priced may be conflated.

It is possible that the success of value research in demonstrating the success of buying cheap stocks dampened the enthusiasm for momentum research.

5. The Return of Momentum

Fortunately, decades of value-based evidence against market efficiency finally piled up.

In February 1993, Eugene Fama and Kenneth French released Common Risk Factors in the Returns on Stocks and Bonds. Fama and French extended the single-factor model of CAPM into a three-factor model. Beyond the “market factor,” factors for “value” and “size” were added, acknowledging these distinct drivers of return.

Momentum was still nowhere to be found.

But a mere month later, Narasimhan Jegadeesh and Sheridan Titman published their seminal work on momentum, titled Returns to Buying Winners and Selling Losers: Implication for Stock Market Efficiency. Within they demonstrated:

Strategies which buy stocks that have performed well in the past and sell stocks that have performed poorly in the past generate significant positive returns over 3- to 12-month holding periods.

The results of the paper could not be explained by systematic risk or delayed reactions to other common factors, echoing the results of Cowles and Jones some 60 years prior.

In 1996, Fama and French authored Multifactor Explanations of Asset Pricing Anomalies. Armed with their new three-factor model, they explored whether recently discovered market phenomena – including Jegadeesh and Titman’s momentum – could be rationally explained away.

While most anomalies disappeared under scrutiny, the momentum results remained robust. In fact, in the paper Fama and French admitted that,

“[momentum is the] main embarrassment of the three-factor model.”

6. The Overwhelming Evidence for Momentum

With its rediscovery and robustness against prevailing rational pricing models, momentum research exploded over the next two decades. It was applied across asset classes, geographies, and time periods. In chronological order:

Asness, Liew, and Stevens (1997) shows that momentum investing is a profitable strategy for country indices.

Carhart (1997) finds that portfolios of mutual funds, constructed by sorting on trailing one-year returns, decrease in monthly excess return nearly monotonically, inline with momentum expectations.

Rouwenhorst (1998) demonstrates that stocks in international equity markets exhibit medium-term return continuations. The study covered stocks from Austria, Belgium, Denmark, France, Germany, Italy, the Netherlands, Norway, Spain, Sweden, Switzerland, and the United Kingdom.

LeBaron (1999) finds that a simple momentum model creates unusually large profits in foreign exchange series.

Moskowitz and Grinblatt (1999) finds evidence for a strong and persistent industry momentum effect.

Rouwenhorst (1999), in a study of 1700 firms across 20 countries, demonstrates that emerging market stocks exhibit momentum.

Liew and Vassalou (2000) shows that momentum returns are significantly positive in foreign developed countries but there is little evidence to explain them by economic developments.

Griffin, Ji, and Martin (2003) demonstrates momentum’s robustness, finding it to be large and statistically reliable in periods of both negative and positive economic growth. The study finds no evidence for macroeconomic or risk-based explanations to momentum returns.

Erb and Harvey (2006) shows evidence of success for momentum investing in commodity futures.

Gorton, Hayashi, and Rouwenhorst (2008) extends momentum research on commodities, confirming its existence in futures but also identifying its existence in spot prices.

Jostova, Niklova Philopov, and Stahel (2012) shows that momentum profits are significant for non-investment grade corporate bonds.

Luu and Yu (2012) identifies that for liquid fixed-income assets, such as government bonds, momentum strategies may provide a good risk-return trade-off and a hedge for credit exposure.

7. Academic Explanations for Momentum

While academia has accepted momentum as a distinct driver of return premia in many asset classes around the world, the root cause is still debated.

So far, the theory for rational markets has failed to account for momentum’s significant and robust returns.  It is not correlated with macroeconomic variables and does not seem to reflect exposure to other known risk factors.

But there are several hypotheses that might explain how irrational behavior may lead to momentum.

7.1 The Behavioral Thesis

The most commonly accepted argument for why momentum exists and persists comes from behavioral finance. Behavioral finance is a field that seeks to link psychological theory with economics and finance to explain irrational decisions.

Some of the popular behavioral finance explanations for momentum include:

Herding: Also known as the “bandwagon effect,” herding is the tendency for individuals to mimic the actions of a larger group.

Anchoring Bias: The tendency to rely too heavily on the first piece of information received.

Confirmation Bias: The tendency to ignore information contradictory to prior beliefs.

Disposition Effect: Investors tend to sell winners too early and hold on to losers too long. This occurs because investors like to realize their gains but not their losses, hoping to “make back” what has been lost.

Together, these biases cause investors to either under- or over-react to information, causing pricing inefficiencies and irrational behavior.

7.1.1 Cumulative Advantage & Momentum Beyond Markets

There is strong evidence for momentum being a behavioral and social phenomenon beyond stock markets.

Matthew Salganik, Peter Dodds, and Duncan Watts ran a 14,000 participant, web-based study designed to establish independence of taste and preference in music.

Participants were asked to explore, listen to, and rate music.  One group of participants would be able to see how many times a song was downloaded and how other participants rated it; the other group would not be able to see downloads or ratings.  The group that could see the number of downloads (“social influence”) was then sub-divided into 8 distinct, random groups where members of each sub-group could only see the download and ratings statistics of their sub-group peers.

The hypothesis of the study was that “good music” should garner the same amount of market share regardless of the existence of social influence: hits should be hits.  Secondly, the same hits should be hits across all independent social influence groups.

What the study found was dramatically different.  Each social-influence group had its own hit songs, and those songs commanded a much larger market share of downloads than songs did in the socially-independent group.

Introducing social-influence did two things: it made hits bigger and it made hits more unpredictable.  The authors called this effect “cumulative advantage.”  The consequences are profound.  To quote an article in the New York Times by Watts,

It’s a simple result to state, but it has a surprisingly deep consequence. Because the long-run success of a song depends so sensitively on the decisions of a few early-arriving individuals, whose choices are subsequently amplified and eventually locked in by the cumulative-advantage process, and because the particular individuals who play this important role are chosen randomly and may make different decisions from one moment to the next, the resulting unpredictability is inherent to the nature of the market. It cannot be eliminated either by accumulating more information — about people or songs — or by developing fancier prediction algorithms, any more than you can repeatedly roll sixes no matter how carefully you try to throw the die.

7.2 The Limits to Arbitrage Thesis

EMH assumes that any mis-pricing in public markets will be immediately arbitraged away by rational market participants. The limits to arbitrage theory recognizes that there are often restrictions – both regulatory and capital based – that may limit rational traders from fully arbitraging away these price inefficiencies.

In support of this thesis is Chabot, Ghysels, and Jagannathan (2009), which finds that when arbitrage capital is in short supply, momentum cycles last longer.

Similarly, those investors bringing good news to the market may lack the capital to take full advantage of that information. So if there has been good news in the past, there may be good news not yet incorporated into the price.

7.3 The Rational Inattention Thesis

Humans possess a finite capacity to process the large amounts of information they are confronted with. Time is a scarce resource for decision makers.

The rational inattention theory argues that some information may be evaluated less carefully, or even outright ignored. Or, alternatively, it may be optimal for investors to obtain news with limited frequency or limited accuracy. This can cause investors to over- or under-invest and could cause the persistence of trends.

Chen and Yu (2014) found that portfolios constructed from stocks “more likely to grab attention” based on visual patterns induces investor over-reaction. They provide evidence that momentum continuation is induced by visually-based psychological biases.

8. Advances in Cross-Sectional Research

Much like there are many ways to identify value, there are many ways to identify momentum. Recent research has identified methods that may improve upon traditional total return momentum.

52-Week Highs: Hwang and George (2004) shows that nearness to a 52-week high price dominates and improves upon the forecasting power of past returns (i.e. momentum). Perhaps most interestingly, future returns forecast using a 52-week high do not mean-revert in the long run, like traditional momentum.

Liu, Liu, and Ma (2010) tests the 52-week high strategy in 20 international markets and finds that it is profitable in 18 and significant in 10.

Residual Momentum: Using a universe of domestic equities, covering the period of January 1926 to December 2009, Blitz, Huij, and Martens (2009) decomposes stock returns using the Fama-French three-factor model. Returns unexplained by the market, value, and size factors are considered to be residual. The study finds that momentum strategies built from residual returns exhibit risk-adjusted profits that are twice as large as those associated with total return momentum.

Idiosyncratic Momentum: Similar to Blitz, Huij, and Martens, Chaves (2012) uses the CAPM model to correct stocks for market returns and identify idiosyncratic returns. Idiosyncratic momentum is found to work better than momentum in a sample of 21 developed countries. Perhaps most importantly, idiosyncratic momentum is successful in Japan, where most traditional momentum strategies have failed.

9. Using Momentum to Manage Risk

While most research in the late 1990s and early 2000s focused on relative momentum, research after 2008 has been heavily focused on time-series momentum for its risk-mitigating and diversification properties.

Some of the earliest, most popular research was done by Faber (2006), in which a simple price-minus-moving-average approach was used to drive a portfolio of U.S. equities, foreign developed equities, commodities, U.S. REITs, and U.S. government bonds. The resulting portfolio demonstrates “equity-like returns with bond-like volatility.”

Hurst, Ooi, and Pedersen (2010) identifies that trend-following, or time-series momentum, is a significant component of returns for managed futures strategies. In doing so, the research demonstrates the consistency of trend-following approaches in generating returns in both bull and bear markets.

Going beyond managed futures specifically, Moskowitz, Ooi, Hua, and Pedersen (2011) documents significant time-series momentum in equity index, currency, commodity, and bond futures covering 58 liquid instruments over a 25-year period.

Perhaps some of the most conclusive evidence comes from Hurst, Ooi, Pedersen (2012), which explores time-series momentum going back to 1903 and through 2011.

The study constructs a portfolio of an equal-weight combination of 1-month, 3-month, and 12-month time-series momentum strategies for 59 markets across 4 major asset classes, including commodities, equity indices, and currency pairs. The approach is consistently profitable across decades. The research also shows that incorporating a time-series momentum approach into a traditional 60/40 stock/bond portfolio increases returns, reduces volatility, and reduces maximum drawdown.

Finally, Lempérière, Deremble, Seager, Potters, and Bouchard (2014) extends the tests even further, using both futures and spot prices to go back to 1800 for commodity and stock indices. It finds that excess returns driven by trend-following is both significant and stable across time and asset classes.

10. Evidence & Advances in Time-Series Momentum

While the evidence for time-series momentum was significantly advanced by the papers and teams cited above, there were other, more focused contributions throughout the years that helped establish it in more specific asset classes.

Wilcox and Crittenden (2005) demonstrates that buying stocks when they make new 52-week highs and selling after a prescribed stop-loss is broken materially outperforms the S&P 500 even after accounting for trading slippage.

ap Gwilym, Clare, Seaton, and Thomas (2009) explores whether trend-following can be used as an allocation tool for international equity markets. Similar to Faber (2006), it utilizes a 10-month price-minus-moving-average model. Such an approach delivers a similar compound annual growth rate to buy and hold, but with significantly lower volatility, increasing the Sharpe ratio from 0.41 to 0.75.

Szakmary, Shen, and Sharma (2010) explores trend-following strategies on commodity futures markets covering 48 years and 28 markets. After deducting reasonable transaction costs, it finds that both a dual moving-average-double-crossover strategy and a channel strategy yield significant profit over the full sample period.

Antonacci (2012) explores a global tactical asset allocation approach utilizing both relative and absolute momentum techniques in an approach called “dual momentum.” Dual momentum increases annualized return, reduces volatility, and reduces maximum drawdown for equities, high yield & credit bonds, equity & mortgage REITs, and gold & treasury bonds.

Dudler, Gmuer, and Malamud (2015) demonstrates that risk-adjusted time series momentum – returns normalized by volatility – outperforms time series momentum on a universe of 64 liquid futures contracts for almost all combinations of holdings and look-back periods.

Levine and Pedersen (2015) uses smoothed past prices and smoothed current prices in their calculation of time-series momentum to reduce random noise in data that might occur from focusing on a single past or current price.

Clare, Seaton, Smith and Thomas (2014) finds that trend following “is observed to be a very effective strategy over the study period delivering superior risk-adjusted returns across a range of size categories in both developed and emerging markets.

11. Unifying Momentum & Technical Analysis

Despite their similarities, trend-following moving average rules are often still considered to be technical trading rules versus the quantitative approach of time-series momentum. Perhaps the biggest difference is that the trend-following camp tended to focus on prices while the momentum camp focused on returns.

Momentum - Bruder Dao Richard and RoncalliHowever, research over the last half-decade actually shows that they are highly related strategies.

Bruder, Dao, Richard, and Roncalli (2011) unites moving-average-double-crossover strategies and time-series momentum by showing that cross-overs were really just an alternative weighting scheme for returns in time-series momentum. To quote,

The weighting of each return … forms a triangle, and the biggest weighting is given at the horizon of the smallest moving average. Therefore, depending on the horizon n2 of the shortest moving average, the indicator can be focused toward the current trend (if n2 is small) or toward past trends (if n2 is as large as n1/2 for instance).

We can see, above, this effect in play.  When n2 << n1 (e.g. n2=10, n1=100), returns are heavily back-weighted in the calculation.  As n2 approaches half of n1, we can see that returns are most heavily weighted at the middle point.

Marshall, Nguyen and Visaltanachoti (2012) proves that time-series momentum is related to moving-average-change-in-direction. In fact, time-series momentum signals will not occur until the moving average changes direction.  Therefore, signals from a price-minus-moving-average strategy are likely to occur before a change in signal from time-series momentum.

Levine and Pedersen (2015) shows that time-series momentum and moving average cross-overs are highly related. It also find that time-series momentum and moving-average cross-over strategies perform similarly across 58 liquid futures and forward contracts.

Beekhuizen and Hallerbach (2015) also links moving averages with returns, but further explores trend rules with skip periods and the popular MACD rule. Using the implied link of moving averages and returns, it shows that the MACD is as much trend following as it is mean-reversion.

Zakamulin (2015) explores price-minus-moving-average, moving-average-double-crossover, and moving-average-change-of-direction technical trading rules and finds that they can be interpreted as the computation of a weighted moving average of momentum rules with different lookback periods.

These studies are important because they help validate the approach of price-based systems. Being mathematically linked, technical approaches like moving averages can now be tied to the same theoretical basis as the growing body of work in time-series momentum.

12. Conclusion

As an investment strategy, momentum has a deep and rich history.

Its foundational principles can be traced back nearly two centuries and the 1900s were filled with its successful practitioners.

But momentum went long misunderstood and ignored by academics.

In 1993, Jegadeesh and Titman published “Returns to Buying Winners and Selling Losers: Implications for Stock Market Efficiency.”  Prevailing academic theories were unable to account for cross-sectional momentum in rational pricing models and the premier market anomaly was born.

While momentum’s philosophy of “buy high, sell higher” may seem counterintuitive, prevailing explanations identify its systemized process as taking advantage of the irrational behavior exhibited by investors.

Over the two decades following momentum’s (re)introduction, academics and practitioners identified the phenomenon as being robust in different asset classes and geographies around the globe.

After the financial crisis of 2008, a focus on using time-series momentum emerged as a means to manage risk.  Much like cross-sectional momentum, time-series momentum was found to be robust, offering significant risk-management opportunities.

While new studies on momentum are consistently published, the current evidence is clear: momentum is the premier market anomaly.

 


 

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Timing Bonds with Value, Momentum, and Carry

This post is available as a PDF download here.

Summary­­

  • Bond timing has been difficult for the past 35 years as interest rates have declined, especially since bonds started the period with high coupons.
  • With low current rates and higher durations, the stage may be set for systematic, factor-based bond investing.
  • Strategies such as value, momentum, and carry have done well historically, especially on a risk-adjusted basis.
  • Diversifying across these three strategies and employing prudent leverage takes advantage of differences in the processes and the information contained in their joint decisions.

This commentary is a slight re-visit and update to a commentary we wrote last summer, Duration Timing with Style Premia[1].  The models we use here are similar in nature, but have been updated with further details and discussion, warranting a new piece.

Historically Speaking, This is a Bad Idea

Let’s just get this out of the way up front: the results of this study are probably not going to look great.

Since interest rates peaked in September 1981, the excess return of a constant maturity 10-year U.S. Treasury bond index has been 3.6% annualized with only 7.3% volatility and a maximum drawdown of 16.4%.  In other words, about as close to a straight line up and to the right as you can get.

Source: Federal Reserve of St. Louis.  Calculations by Newfound Research.

With the benefit of hindsight, this makes sense.  As we demonstrated in Did Declining Rates Actually Matter?[2], the vast majority of bond index returns over the last 30+ years have been a result of the high average coupon rate.  High average coupons kept duration suppressed, meaning that changes in rates produced less volatile movements in bond prices.

Source: Federal Reserve of St. Louis.  Calculations by Newfound Research.

Ultimately, we estimate that roll return and benefits from downward shifts in the yield curve only accounted for approximately 30% of the annualized return.

Put another way, whenever you got “out” of bonds over this period, there was a very significant opportunity cost you were experiencing in terms of foregone interest payments, which accounted for 70% of the total return.

If we use this excess return as our benchmark, we’ve made the task nearly impossible for ourselves.  Consider that if we are making “in or out” tactical decisions (i.e. no leverage or shorting) and our benchmark is fully invested at all times, we can only outperform due to our “out” calls.  Relative to the long-only benchmark, we get no credit for correct “in” calls since correct “in” calls mean we are simply keeping up with the benchmark.  (Note: Broadly speaking, this highlights the problems with applying traditional benchmarks to tactical strategies.)  In a period of consistently positive returns, our “out” calls must be very accurate, in fact probably unrealistically accurate, to be able to outperform.

When you put this all together, we’re basically asking, “Can you create a tactical strategy that can only outperform based upon its calls to get out of the market over a period of time when there was never a good time to sell?”

The answer, barring some serious data mining, is probably, “No.”

This Might Now be a Good Idea

Yet this idea might have legs.

Since the 10-year rate peaked in 1981, the duration of a constant maturity 10-year U.S. bond index has climbed from 4.8 to 8.7.  In other words, bonds are now 1.8x more sensitive to changes in interest rates than they were 35 years ago.

If we decompose bond returns in the post-crisis era, we can see that shifts in the yield curve have played a large role in year-to-year performance.  The simple intuition is that as coupons get smaller, they are less effective as cushions against rate volatility.

Higher durations and lower coupons are a potential double whammy when it comes to fixed income volatility.

Source: Federal Reserve of St. Louis.  Calculations by Newfound Research.

With rates low and durations high, strategies like value, momentum, and carry may afford us more risk-managed access to fixed income.

Timing Bonds with Value

Following the standard approach taken in most literature, we will use real yields as our measure of value.  Specifically, we will estimate real yield by taking the current 10-year U.S. Treasury rate minus the 10-year forecasted inflation rate from Philadelphia Federal Reserve’s Survey of Professional Forecasters.[3]

To come up with our value timing signal, we will compare real yield to a 3-year exponentially weighted average of real yield.

Here we need to be a bit careful.  With a secular decline in real yields over the last 30 years, comparing current real yield against a trailing average of real yield will almost surely lead to an overvalued conclusion, as the trailing average will likely be higher.

Thus, we need to de-trend twice.  We first subtract real yield from the trailing average, and then subtract this difference from a trailing average of differences.  Note that if there is no secular change in real yields over time, this second step should have zero impact. What this is measuring is the deviation of real yields relative to any linear trend.

After both of these steps, we are left with an estimate of how far our real rates are away from fair value, where fair value is defined by our particular methodology rather than any type of economic analysis.  When real rates are below our fair value estimate, we believe they are overvalued and thus expect rates to go up.  Similarly, when rates are above our fair value estimate, we believe they are undervalued and thus expect them to go down.

Source: Federal Reserve of St. Louis.  Philadelphia Federal Reserve.  Calculations by Newfound Research.

Before we can use this valuation measure as our signal, we need to take one more step.  In the graph above, we see that the deviation from fair value in September 1993 was approximately the same as it was in June 2003: -130bps (implying that rates were 130bps below fair value and therefore bonds were overvalued).  However, in 1993, rates were at about 5.3% while in 2003 rates were closer to 3.3%.  Furthermore, duration was about 0.5 higher in 2003 than it was 1993.

In other words, a -130bps deviation from fair value does not mean the same thing in all environments.

One way of dealing with this is by forecasting the actual bond return over the next 12 months, including any coupons earned, by assuming real rates revert to fair value (and taking into account any roll benefits due to yield curve steepness).  This transformation leaves us with an actual forecast of expected return.

We need to be careful, however, as our question of whether to invest or not is not simply based upon whether the bond index has a positive expected return.  Rather, it is whether it has a positive expected return in excess of our alternative investment.  In this case, that is “cash.”  Here, we will proxy cash with a constant maturity 1-year U.S. Treasury index.

Thus, we need to net out the expected return from the 1-year position, which is just its yield. [4]

Source: Federal Reserve of St. Louis.  Philadelphia Federal Reserve.  Calculations by Newfound Research.

While the differences here are subtle, had our alternative position been something like a 5-year U.S. Treasury Index, we may see much larger swings as the impact of re-valuation and roll can be much larger.

Using this total expected return, we can create a simple timing model that goes long the 10-year index and short cash when expected excess return is positive and short the 10-year index and long cash when expected excess return is negative.  As we are forecasting our returns over a 1-year period, we will employ a 1-year hold with 52 overlapping portfolios to mitigate the impact of timing luck.

We plot the results of the strategy below.

Source: Federal Reserve of St. Louis.  Philadelphia Federal Reserve.  Calculations by Newfound Research.  Results are hypothetical and backtested.  Past performance is not a guarantee of future results.  Returns are gross of all fees (including management fees, transaction costs, and taxes).  Returns assume the reinvestment of all income and distributions.

The value strategy return matches the 10-year index excess return nearly exactly (2.1% vs 2.0%) with just 70% of the volatility (5.0% vs 7.3%) and 55% of the max drawdown (19.8% versus 36.2%).

Timing Bonds with Momentum

For all the hoops we had to jump through with value, the momentum strategy will be fairly straightforward.

We will simply look at the trailing 12-1 month total return of the index versus the alternative (e.g. the 10-year index vs. the 1-year index) and invest in the security that has outperformed and short the other.  For example, if the 12-1 month total return for the 10-year index exceeds that of the 1-year index, we will go long the 10-year and short the 1-year, and vice versa.

Since momentum tends to decay quickly, we will use a 1-month holding period, implemented with four overlapping portfolios.

Source: Federal Reserve of St. Louis.  Philadelphia Federal Reserve.  Calculations by Newfound Research.  Results are hypothetical and backtested.  Past performance is not a guarantee of future results.  Returns are gross of all fees (including management fees, transaction costs, and taxes).  Returns assume the reinvestment of all income and distributions.

(Note that this backtest starts earlier than the value backtest because it only requires 12 months of returns to create a trading signal versus 6 years of data – 3 for the value anchor and 3 to de-trend the data – for the value score.)

Compared to the buy-and-hold approach, the momentum strategy increases annualized return by 0.5% (1.7% versus 1.2%) while closely matching volatility (6.7% versus 6.9%) and having less than half the drawdown (20.9% versus 45.7%).

Of course, it cannot be ignored that the momentum strategy has largely gone sideways since the early 1990s.  In contrast to how we created our bottom-up value return expectation, this momentum approach is a very blunt instrument.  In fact, using momentum this way means that returns due to differences in yield, roll yield, and re-valuation are all captured simultaneously.  We can really think of decomposing our momentum signal as:

10-Year Return – 1-Year Return = (10-Year Yield – 1-Year Yield) + (10-Year Roll – 1-Year Roll) + (10-Year Shift – 1-Year Shift)

Our momentum score is indiscriminately assuming momentum in all the components.  Yet when we actually go to put on our trade, we do not need to assume momentum will persist in the yield and roll differences: we have enough data to measure them explicitly.

With this framework, we can isolate momentum in the shift component by removing yield and roll return expectations from total returns.

Source: Federal Reserve of St. Louis.  Calculations by Newfound Research.

Ultimately, the difference in signals is minor for our use of 10-year versus 1-year, though it may be far less so in cases like trading the 10-year versus the 5-year.  The actual difference in resulting performance, however, is more pronounced.

Source: Federal Reserve of St. Louis.  Philadelphia Federal Reserve.  Calculations by Newfound Research.  Results are hypothetical and backtested.  Past performance is not a guarantee of future results.  Returns are gross of all fees (including management fees, transaction costs, and taxes).  Returns assume the reinvestment of all income and distributions.

Ironically, by doing worse mid-period, the adjusted momentum long/short strategy appears to be more consistent in its return from the early 1990s through present.  We’re certain this is more noise than signal, however.

Timing Bonds with Carry

Carry is the return we earn by simply holding the investment, assuming everything else stays constant.  For a bond, this would be the yield-to-maturity.  For a constant maturity bond index, this would be the coupon yield (assuming we purchase our bonds at par) plus any roll yield we capture.

Our carry signal, then, will simply be the difference in yields between the 10-year and 1-year rates plus the difference in expected roll return.

For simplicity, we will assume roll over a 1-year period, which makes the expected roll of the 1-year bond zero.  Thus, this really becomes, more or less, a signal to be long the 10-year when the yield curve is positively sloped, and long the 1-year when it is negatively sloped.

As we are forecasting returns over the next 12-month period, we will use a 12-month holding period and implement with 52 overlapping portfolios.

Source: Federal Reserve of St. Louis.  Philadelphia Federal Reserve.  Calculations by Newfound Research.  Results are hypothetical and backtested.  Past performance is not a guarantee of future results.  Returns are gross of all fees (including management fees, transaction costs, and taxes).  Returns assume the reinvestment of all income and distributions.

Again, were we comparing the 10-year versus the 5-year instead of the 10-year versus the 1-year, the roll can have a large impact.  If the curve is fairly flat between the 5- and 10-year rates, but gets steep between the 5- and the 1-year rates, then the roll expectation from the 5-year can actually overcome the yield difference between the 5- and the 10-year rates.

Building a Portfolio of Strategies

With three separate methods to timing bonds, we can likely benefit from process diversification by constructing a portfolio of the approaches.  The simplest method to do so is to simply give each strategy an equal share.  Below we plot the results.

Source: Federal Reserve of St. Louis.  Philadelphia Federal Reserve.  Calculations by Newfound Research.  Results are hypothetical and backtested.  Past performance is not a guarantee of future results.  Returns are gross of all fees (including management fees, transaction costs, and taxes).  Returns assume the reinvestment of all income and distributions.

Indeed, by looking at per-strategy performance, we can see a dramatic jump in Information Ratio and an exceptional reduction in maximum drawdown.  In fact, the maximum drawdown of the equal weight approach is below that of any of the individual strategies, highlighting the potential benefit of diversifying away conflicting investment signals.

StrategyAnnualized ReturnAnnualized VolatilityInformation
Ratio
Max
Drawdown
10-Year Index Excess Return2.0%7.3%0.2736.2%
Value L/S2.0%5.0%0.4119.8%
Momentum L/S1.9%6.9%0.2720.9%
Carry L/S2.5%6.6%0.3820.1%
Equal Weight2.3%4.0%0.5710.2%

Source: Federal Reserve of St. Louis.  Philadelphia Federal Reserve.  Calculations by Newfound Research.  Results are hypothetical and backtested.  Past performance is not a guarantee of future results.  Returns are gross of all fees (including management fees, transaction costs, and taxes).  Returns assume the reinvestment of all income and distributions.  Performance measured from 6/1974 to 1/2018, representing the full overlapping investment period of the strategies.

One potential way to improve upon the portfolio construction is by taking into account the actual covariance structure among the strategies (correlations shown in the table below).  We can see that, historically, momentum and carry have been fairly positively correlated while value has been independent, if not slightly negatively correlated.  Therefore, an equal-weight approach may not be taking full advantage of the diversification opportunities presented.

Value L/SMomentum L/SCarry L/S
Value L/S1.0-0.2-0.1
Momentum L/S-0.21.00.6
Carry L/S-0.10.61.0

To avoid making any assumptions about the expected returns of the strategies, we will construct a portfolio where each strategy contributes equally to the overall risk profile (“ERC”).  So as to avoid look-ahead bias, we will use an expanding window to compute our covariance matrix (seeding with at least 5 years of data).  While the weights vary slightly over time, the result is a portfolio where the average weights are 43% value, 27% momentum, and 30% carry.

The ERC approach matches the equal-weight approach in annualized return, but reduces annualized volatility from 4.2% to 3.8%, thereby increasing the information ratio from 0.59 to 0.64.  The maximum drawdown also falls from 10.2% to 8.7%.

A second step we can take is to try to use the “collective intelligence” of the strategies to set our risk budget.  For example, we can have our portfolio target the long-term volatility of the 10-year Index Excess Return, but scale this target between 0-2x depending on how invested we are.

For example, if the strategies are, in aggregate, only 20% invested, then our target volatility would be 0.4x that of the long-term volatility.  If they are 100% invested, though, then we would target 2x the long-term volatility.  When the strategies are providing mixed signals, we will simply target the long-term volatility level.

Unfortunately, such an approach requires going beyond 100% notional exposure, often requiring 2x – if not 3x – leverage when current volatility is low.  That makes this system less useful in the context of “bond timing” since we are now placing a bet on current volatility remaining constant and saying that our long-term volatility is an appropriate target.

One way to limit the leverage is to increase how much we are willing to scale our risk target, but truncate our notional exposure at 100% per leg.  For example, we can scale our risk target between 0-4x.  This may seem very risky (indeed, an asymmetric bet), but since we are clamping our notional exposure to 100% per leg, we should recognize that we will only hit that risk level if current volatility is greater than 4x that of the long-term average and all the strategies recommend full investment.

With a little mental arithmetic, the approach it is equivalent to saying: “multiply the weights by 4x and then scale based on current volatility relative to historical volatility.”  By clamping weights between -100% and +100%, the volatility targeting really does not come into play until current volatility is 4x that of long-term volatility.  In effect, we leg into our trades more quickly, but de-risk when volatility spikes to abnormally high levels.

Source: Federal Reserve of St. Louis.  Philadelphia Federal Reserve.  Calculations by Newfound Research.  Results are hypothetical and backtested.  Past performance is not a guarantee of future results.  Returns are gross of all fees (including management fees, transaction costs, and taxes).  Returns assume the reinvestment of all income and distributions.

Compared to the buy-and-hold model, the variable risk ERC model increases annualized returns by 90bps (2.4% to 3.3%), reduces volatility by 260bps (7.6% to 5.0%), doubles the information ratio (0.31 to 0.66) and halves the maximum drawdown (30% to 15%).

There is no magic to the choice of “4” above: it is just an example.  In general, we can say that as the number goes higher, the strategy will approach a binary in-or-out system and the volatility scaling will have less and less impact.

Conclusion

Bond timing has been hard for the past 35 years as interest rates have declined. Small current coupons do not provide nearly the cushion against rate volatility that investors have been used to, and these lower rates mean that bonds are also exposed to higher duration.

These two factors are a potential double whammy when it comes to fixed income volatility.

This can open the door for systematic, factor-based bond investing.

Value, momentum, and carry strategies have all historically outperformed a buy-and-hold bond strategy on a risk adjusted basis despite the bond bull market.  Diversifying across these three strategies and employing prudent leverage takes advantage of differences in the processes and the information contained in their joint decisions.

We should point out that in the application of this approach, there were multiple periods of time in the backtest where the strategy went years without being substantially invested.  A smooth, nearly 40-year equity curve tells us very little about what it is actually like to sit on the sidelines during these periods and we should not underestimate the emotional burden of using such a timing strategy.

Even with low rates and high rate movement sensitivity, bonds can still play a key role within a portfolio. Going forward, however, it may be prudent for investors to consider complementary risk-management techniques within their bond sleeve.

 


 

[1] https://blog.thinknewfound.com/2017/06/duration-timing-style-premia/

[2] https://blog.thinknewfound.com/2017/04/declining-rates-actually-matter/

[3] Prior to the availability of the 10-year inflation estimate, the 1-year estimate is utilized; prior to the 1-year inflation estimate availability, the 1-year GDP price index estimate is utilized.

[4] This is not strictly true, as it largely depends on how the constant maturity indices are constructed.  For example, if they are rebalanced on a monthly basis, we would expect that re-valuation and roll would have impact on the 1-year index return.  We would also have to alter the horizon we are forecasting over as we are assuming we are rolling into new bonds (with different yields) more frequently.

Addressing Low Return Forecasts in Retirement with Tactical Allocation

This post is available for download as a PDF here.

Summary­­

  • The current return expectations for core U.S. equities and bonds paint a grim picture for the success of the 4% rule in retirement portfolios.
  • While varying the allocation to equities throughout the retirement horizon can provide better results, employing tactical strategies to systematically allocate to equities can more effectively reduce the risk that the sequence of market returns is unfavorable to a portfolio.
  • When a tactical strategy is combined with other incremental planning and portfolio improvements, such as prudent diversification, more accurate spending assessments, tax efficient asset location, and fee-conscious investing, a modest allocation can greatly boost likely retirement success and comfort.

Over the past few weeks, we have written a number of posts on retirement withdrawal planning.

The first was about the potential impact that high core asset valuations – and the associated muted forward return expectations – may have on retirement.

The second was about the surprisingly large impact that small changes in assumptions can have on retirement success, akin to the Butterfly Effect in chaos theory. Retirement portfolios can be very sensitive to assumed long-term average returns and assumptions about how a retiree’s spending will evolve over time.

In the first post, we presented a visualization like the following:

Historical Wealth Paths for a 4% Withdrawal Rate and 60/40 Stock/Bond Allocation
Source: Shiller Data Library.  Calculations by Newfound Research. Analysis uses real returns and assumes the reinvestment of dividends.  Returns are hypothetical index returns and are gross of all fees and expenses.  Results may differ slightly from similar studies due to the data sources and calculation methodologies used for stock and bond returns.

 

The horizontal (x-axis) represents the year when retirement starts.  The vertical (y-axis) represents the years post-retirement.  The coloring of each cell represents the savings balance at a given point in time.  The meaning of each color as follows:

  • Green: Current account value greater than or equal to initial account value (e.g. an investor starting retirement with $1,000,000 has a current account balance that is at least $1,000,000).
  • Yellow: Current account value is between 75% and 100% of initial account value
  • Orange: Current account value is between 50% and 75% of the initial account value.
  • Red: Current account value is between 25% and 50% of the initial account value.
  • Dark Red: Current account value is between 0% and 25% of initial account value.
  • Black: Current account value is zero; the investor has run out of money.

We then recreated the visualization, but with one key modification: we adjusted the historical stock and bond returns downward so that the long-term averages are in line with realistic future return expectations[1] given current valuation levels.  We did this by subtracting the difference between the actual average log return and the forward-looking long return from each year’s return.  With this technique, we capture the effect of subdued average returns while retaining realistic behavior for shorter-term returns.

 

Historical Wealth Paths for a 4% Withdrawal Rate and 60/40 Stock/Bond Allocation with Current Return Expectations

Source: Shiller Data Library.  Calculations by Newfound Research. Analysis uses real returns and assumes the reinvestment of dividends.  Returns are hypothetical index returns and are gross of all fees and expenses.  Results may differ slightly from similar studies due to the data sources and calculation methodologies used for stock and bond returns.

 

One downside of the above visualizations is that they only consider one withdrawal rate / portfolio composition combination.  If we want the see results for withdrawal rates ranging from 1% to 10% in 1% increments and portfolio combinations ranging from 0/100 stocks/bonds to 100/0 stocks/bonds in 20% increments, we would need sixty graphs!

To distill things a bit more, we looked at the historical “success” of various investment and withdrawal strategies.  We evaluated success on three metrics:

  1. Absolute Success Rate (“ASR”): The historical probability that an individual or couple will not run out of money before their retirement horizon ends.
  2. Comfortable Success Rate (“CSR”): The historical probability that an individual or couple will have at least the same amount of money, in real terms, at the end of their retirement horizon compared to what they started with.
  3. Ulcer Index (“UI”): The average pain of the wealth path over the retirement horizon where pain is measured as the severity and duration of wealth drawdowns relative to starting wealth. [2]

As a quick refresher, below we present the ASR for various withdrawal rate / risk profile combinations over a 30-year retirement horizon first using historical returns and then using historical returns adjusted to reflect current valuation levels.  The CSR and Ulcer Index table illustrated similar effects.

Absolute Success Rate for Various Combinations of Withdrawal Rate and Portfolio Composition – 30 Yr. Horizon

Absolute Success Rate for Various Combinations of Withdrawal Rate and Portfolio Composition with Average Stock and Bond Returns Equal to Current Expectations – 30 Yr. Horizon

Source: Shiller Data Library.  Calculations by Newfound Research.  Analysis uses real returns and assumes the reinvestment of dividends.  Returns are hypothetical index returns and are gross of all fees and expenses.  Results may differ slightly from similar studies due to the data sources and calculation methodologies used for stock and bond returns.

 

Overall, our analysis suggested that retirement withdrawal rates that were once safe may now deliver success rates that are no better – or even worse – than a coin flip.

The combined conclusion of these two posts is that the near future looks pretty grim for retirees and that an assumption that is slightly off can make the outcome even worse.

Now, we are going to explore a topic that can both mitigate low growth expectations and adapt a retirement portfolio to reduce the risk of a bad planning assumption. But first, some history.

 

How the 4% Rule Started

In 1994, Larry Bierwirth proposed the 4% rule, and William Bengen expanded on the research in the same year.[3], [4]

In the original research, the 4% rule was derived assuming that the investor held a 50/50 stock/bond portfolio, rebalanced annually, withdrew a certain percentage of the initial balance, and increased withdrawals in line with inflation. 4% is the highest percentage that could be withdrawn without ever running out of money over an historical 30-year retirement horizon.

Graphically, the 4% rule is the minimum value shown below.

Maximum Inflation Indexed Withdrawal to Deplete a 60/40 Portfolio Over a 30 Yr. Horizon

Source: Shiller Data Library.  Calculations by Newfound Research.  Analysis uses real returns and assumes the reinvestment of dividends.  Returns are hypothetical index returns and are gross of all fees and expenses.  Results may differ slightly from similar studies due to the data sources and calculation methodologies used for stock and bond returns.

 

Since its publication, the rule has become common knowledge to nearly all people in the field of finance and many people outside it. While it is a good rule-of-thumb and starting point for retirement analysis, we have two major issues with its broad application:

  1. It assumes that not running out of money is the only goal in retirement without considering implications of ending surpluses, return paths that differ from historical values, or evolving spending needs.
  2. It provides a false sense of security: just because 4% withdrawals never ran out of money in the past, that is not a 100% guarantee that they won’t in the future.

 

For example, if we adjust the stock and bond historical returns using the estimates from Research Affiliates (discussed previously) and replicate the analysis Bengen-style, the safe withdrawal rate is a paltry 2.6%.

 

Maximum Inflation Indexed Withdrawal to Deplete a 60/40 Portfolio Over a 30 Yr. Horizon using Current Return Estimates

Source: Shiller Data Library and Research Affiliates.  Calculations by Newfound Research.  Analysis uses real returns and assumes the reinvestment of dividends.  Returns are hypothetical index returns and are gross of all fees and expenses.  Results may differ slightly from similar studies due to the data sources and calculation methodologies used for stock and bond returns.

 

While this paints a grim picture for retirement planning, it’s not likely how one would plan their financial future. If you were to base your retirement planning solely on this figure, you would have to save 54% more for retirement to generate the same amount of annual income as with the 4% rule, holding everything else constant.

In reality, even with the low estimates of forward returns, many of the scenarios had safe withdrawal rates closer to 4%. By putting a multi-faceted plan in place to reduce the risk of the “bad” scenarios, investors can hope for the best while still planning for the worst.

One aspect of a retirement plan can be a time-varying asset allocation scheme.

 

Temporal Risk in Retirement

Conventional wisdom says that equity risk should be reduced as one progresses through retirement. This is what is employed in many “through”-type target date funds that adjust equity exposure beyond the retirement age.

If we heed the “own your age in bonds” rule, then a retiree would decrease their equity exposure from 35% at age 65 to 5% at the end of a 30-year plan horizon.

Unfortunately, this thinking is flawed.

When a newly-minted retiree begins retirement, their success is highly dependent on their first few years of returns because that is when their account values are the largest. As they make withdrawals and are reducing their account values, the impact of a large drawdown in dollar terms is not nearly as large.  This is known as sequence risk.

As a simple example, consider three portfolio paths:

  • Portfolio A: -30% return in Year 1 and 6% returns for every year from Year 2 – Year 30.
  • Portfolio B: 6% returns for every year except for Year 15, in which there is a -30% return.
  • Portfolio C: 6% returns for every year from Year 1 – Year 29 and a -30% return in Year 30.

These returns work about to the expected returns on a 60/40 portfolio using Research Affiliates’ Yield & Growth expectations, and the drawdown is approximately in line with the drawdown on a 60/40 portfolio over the past decade.  We will assume 4% annual withdrawals and 2% annual inflation with the withdrawals indexed to inflation.

 

3 Portfolios with Identical Annualized Returns that Occur in Different Orders

Portfolio C fares the best, ending the 30-year period with 12% more wealth than it began with. Portfolio B makes it through, not as comfortably as Portfolio C but still with 61% of its starting wealth. Portfolio A, however, starts off stressful for the retiree and runs out of money in year 27.

Sequence risk is a big issue that retirement portfolios face, so how does one combat it with dynamic allocations?

 

The Rising Glide Path in Retirement

Kitces and Pfau (2012) proposed the rising glide path in retirement as a method to reduce sequence risk.[5]  They argued that since retirement portfolios are most exposed to market risk at the beginning of the retirement period, they should start with the lowest equity risk and ramp up as retirement progresses.

Based on Monte Carlo simulations using both capital market assumptions in line with historical values and reduced return assumptions for the current environment, the paper showed that investors can maximize their success rate and minimize their shortfall in bad (5th percentile) scenarios by starting with equity allocations of between 20% and 40% and increasing to 60% to 80% equity allocations through retirement.

We can replicate their analysis using the reduced historical return data, using the same metrics from before (ASR, CSR, and the Ulcer Index) to measure success, comfort, and stress, respectively.

 

Absolute Success Rate for Various Equity Glide Paths with Average Stock and Bond Returns Equal to Current Expectations – 30 Yr. Horizon with a 4% Initial Withdrawal Rate

Comfortable Success Rate for Various Equity Glide Paths with Average Stock and Bond Returns Equal to Current Expectations – 30 Yr. Horizon with a 4% Initial Withdrawal Rate

Ulcer Index for Various Equity Glide Paths with Average Stock and Bond Returns Equal to Current Expectations – 30 Yr. Horizon with a 4% Initial Withdrawal Rate

Source: Shiller Data Library and Research Affiliates.  Calculations by Newfound Research.  Analysis uses real returns and assumes the reinvestment of dividends.  Returns are hypothetical index returns and are gross of all fees and expenses.  Results may differ slightly from similar studies due to the data sources and calculation methodologies used for stock and bond returns.

 

Note that the main diagonal in the chart represents static allocations, above the main diagonal represents the decreasing glide paths, and below the main diagonal represents increasing glide paths.

Since these returns are derived from the historical returns for stocks and bonds (again, accounting for a depressed forward outlook), they capture both the sequence of returns and shifting correlations between stocks and bonds better than Monte Carlo simulation. On the other hand, the sample size is limited, i.e. we only have about 4 non-overlapping 30 year periods.

Nevertheless, these data show that there was not a huge benefit or detriment to using either an increasing or decreasing equity glide path in retirement based on these metrics. If we instead look at minimizing expected shortfall in the bottom 10% of scenarios, similar to Kitces and Pfau, we find that a glide path starting at 40% rising to around 80% performs the best.

However, it will still be tough to rest easy with a plan that has an ASR of around 60 and a CSR of around 30 and an expected shortfall of 10 years of income.

With these unconvincing results, what can investors do to improve their retirement outcomes through prudent asset allocation?

 

Beyond a Static Glide Path

There is no reason to constrain portfolios to static glide paths. We have said before that the risk of a static allocation varies considerably over time. Simply dictating an equity allocation based on your age does not always make sense regardless of whether that allocation is increasing or decreasing.

If the market has a large drawdown, an investor should want to avoid this regardless of where they are in the retirement journey. Missing drawdowns is always beneficial as long as enough upside is subsequently realized.

In recent papers, Clare et al. (2017 and 2017) showed that trend following can boost safe withdrawal rates in retirement portfolios by managing sequence risk. [6],[7]

The million-dollar question is, “how tactical should we be?”

The following charts show the ASR, CSR, and Ulcer index values for static allocations to stocks, bonds, and a simple tactical strategy that invests in stocks when they are above their 10-month simple moving average (SMA) and in bonds otherwise.

The charts are organized by the minimum and maximum equity exposures along the rows and columns. The charts are symmetric across the main diagonal so that they can be compared to both increasing and decreasing equity glide paths.

The equity allocation is the minimum of the row and column headings, the tactical strategy allocation is the absolute difference between the headings, and the bond allocation is what’s needed to bring the total allocation to 100%.

For example, the 20% and 50% column is a portfolio of 20% equities, 30% tactical strategy, and 50% bonds. It has an ASR of 75, a CSR of 40, and an Ulcer index of 22.

 

Absolute Success Rate for Various Tactical Allocation Bounds Paths with Average Stock and Bond Returns Equal to Current Expectations – 30 Yr. Horizon with a 4% Initial Withdrawal Rate

Comfortable Success Rate for Various Tactical Allocation Bounds with Average Stock and Bond Returns Equal to Current Expectations – 30 Yr. Horizon with a 4% Initial Withdrawal Rate

Ulcer Index for Various Tactical Allocation Bounds with Average Stock and Bond Returns Equal to Current Expectations – 30 Yr. Horizon with a 4% Initial Withdrawal Rate

Source: Shiller Data Library and Research Affiliates.  Calculations by Newfound Research.  Analysis uses real returns and assumes the reinvestment of dividends.  Returns are hypothetical index returns and are gross of all fees and expenses.  Results may differ slightly from similar studies due to the data sources and calculation methodologies used for stock and bond returns.

 

These charts show that being tactical is extremely beneficial under these muted return expectations and that being highly tactical is even better than being moderately tactical.

So, what’s stopping us from going whole hog with the 100% tactical portfolio?

Well, this is a case where a tactical strategy can reduce the risk of not making it through the 30-year retirement at the risk of greatly increasing the ending wealth. It may sound counterintuitive to say that ending with too much extra money is a risk, but when our goal is to make it through retirement comfortably, taking undue risks come at a cost.

For instance, we know that while the tactical strategy may perform well over a 30-year time horizon, it can go through periods of significant underperformance in the short-term, which can lead to stress and questioning of the investment plan. For example, in 1939 and 1940, the tactical strategy underperformed a 50/50 portfolio by 16% and 11%, respectively.

These times can be trying for investors, especially those who check their portfolios frequently.[8] Even the best-laid plan is not worth much if it cannot be adhered to.

Being tactical enough to manage the risk of having to make a major adjustment in retirement while keeping whipsaw, tracking error, and the cost of surpluses in check is key.

 

Sizing a Tactical Sleeve

If the goal is having the smallest tactical sleeve to boost the ASR and CSR and reduce the Ulcer index to acceptable levels in a low expected return environment, we can turn back to the expected shortfall in the bad (10th percentile) scenarios to determine how large of a tactical sleeve to should include in the portfolio. The analysis in the previous section showed that being tactical could yield ASRs and CSRs in the 80s and 90s (dark green).  This, however, requires a tactical sleeve between 50% and 70%, depending on the static equity allocation.

Thankfully, we do not have to put the entire burden on being tactical: we can diversify our approaches.  In the previous commentaries mentioned earlier, we covered a number of topics that can improve retirement results in a low expected return environment.

  • Thoroughly examine and define planning factors such as taxes and the evolution of spending throughout retirement.
  • Be strategic, not static: Have a thoughtful, forward-looking outlook when developing a strategic asset allocation. This means having a willingness to diversify U.S. stocks and bonds with the ever-expanding palette of complementary asset classes and strategies.
  • Utilize a hybrid active/passive approach for core exposures given the increasing availability of evidence-based, factor-driven investment strategies.
  • Be fee-conscious, not fee-centric. For many exposures (e.g. passive and long-only core stock and bond exposure), minimizing cost is certainly appropriate. However, do not let cost considerations preclude the consideration of strategies or asset classes that can bring unique return generating or risk mitigating characteristics to the portfolio.
  • Look beyond fixed income for risk management given low interest rates.
  • Recognize that the whole can be more than the sum of its parts by embracing not only asset class diversification, but also strategy/process diversification.

While each modification might only result in a small, incremental improvement in retirement outcomes, the compounding effect can be very beneficial.

The chart below shows the required tactical sleeve size needed to minimize shortfalls/surpluses for a given improvement in the annual returns (0bp through 150bps).

 

Tactical Allocation Strategy Size Needed to Minimize 10% Expected Shortfall/Surplus with Average Stock and Bond Returns Equal to Current Expectations for a Range of Annualized Return Improvements  – 30 Yr. Horizon with a 4% Initial Withdrawal Rate

Source: Shiller Data Library and Research Affiliates.  Calculations by Newfound Research.  Analysis uses real returns and assumes the reinvestment of dividends.  Returns are hypothetical index returns and are gross of all fees and expenses.  Results may differ slightly from similar studies due to the data sources and calculation methodologies used for stock and bond returns.

 

For a return improvement of 125bps per year over the current forecasts for static U.S. equity and bond portfolios, with a static equity allocation of 50%, including a tactical sleeve of 20% would minimize the shortfall/surplus.

This portfolio essentially pivots around a static 60/40 portfolio, and we can compare the two, giving the same 125bps bonus to the returns for the static 60/40 portfolio.

 

Comparison of a Tactical Allocation Enhanced Portfolio with a Static 60/40 Portfolio with Average Stock and Bond Returns Equal to Current Expectations + 125bps per year   – 30 Yr. Horizon with a 4% Initial Withdrawal Rate

Source: Shiller Data Library and Research Affiliates.  Calculations by Newfound Research.  Analysis uses real returns and assumes the reinvestment of dividends.  Returns are hypothetical index returns and are gross of all fees and expenses.  Results may differ slightly from similar studies due to the data sources and calculation methodologies used for stock and bond returns.

 

In addition to the much more favorable statistics, the tactically enhanced portfolio only has a downside tracking error of 1.1% to the static 60/40 portfolio.

 

Conclusion: Being Dynamic in Retirement

From this historical analysis, high valuations of core assets in the U.S. suggest a grim outlook for the 4% rule. Predetermined dynamic allocation paths through retirement can help somewhat, but merely specifying an equity allocation based on one’s age loses sight of the changing risk a given market environment.

The sequence of market returns can have a large impact on retirement portfolios. If a drawdown happens early in retirement, subsequent returns may not be enough to provide the tailwind that they have in the past.

Investors who are able to be fee/expense/tax-conscious and adhere to prudent diversification may be able to incrementally improve their retirement outlook to the point where a modest allocation to a sleeve of tactical investment strategies can get their portfolio back to a comfortable success rate.

Striking a balance between shortfall/surplus risk and the expected experience during the retirement period along with a thorough assessment of risk tolerance in terms of maximum and minimum equity exposure can help dictate how flexible a portfolio should be.

In our QuBe Model Portfolios, we pair allocations to tactically managed solutions with systematic, factor based strategies to implement these ideas.

While long-term capital market assumptions are a valuable input in an investment process, adapting to shorter-term market movements to reduce sequence risk may be a crucial way to combat market environments where the low return expectations come to fruition.


[1] Specifically, we use the “Yield & Growth” capital market assumptions from Research Affiliates.  These capital market assumptions assume that there is no valuation mean reversion (i.e. valuations stay the same going forward).  The adjusted average nominal returns for U.S. equities and 10-year U.S. Treasuries are 5.3% and 3.1%, respectively, compared to the historical values of 9.0% and 5.3%.

[2] Normally, the Ulcer Index would be measured using true drawdown from peak, however, we believe that using starting wealth as the reference point may lead to a more accurate gauge of pain.

[3] Bierwirth, Larry. 1994. Investing for Retirement: Using the Past to Model the Future. Journal of Financial Planning, Vol. 7, no. 1 (January): 14-24.

[4] Bengen, William P. 1994. “Determining Withdrawal Rates Using Historical Data.” Journal of Financial Planning, vol. 7, no. 4 (October): 171-180.

[5] Pfau, Wade D. and Kitces, Michael E., Reducing Retirement Risk with a Rising Equity Glide-Path (September 12, 2013). Available at SSRN: https://ssrn.com/abstract=2324930

[6] Clare, A. and Seaton, J. and Smith, P. N. and Thomas, S. (2017). Can Sustainable Withdrawal Rates Be Enhanced by Trend Following? Available at SSRN: https://ssrn.com/abstract=3019089

[7] Clare, A. and Seaton, J. and Smith, P. N. and Thomas, S. (2017) Reducing Sequence Risk Using Trend Following and the CAPE Ratio. Financial Analysts Journal, Forthcoming. Available at SSRN: https://ssrn.com/abstract=2764933

[8] https://blog.thinknewfound.com/2017/03/visualizing-anxiety-active-strategies/

Duration Timing with Style Premia

This post is available as a PDF download here.

Summary­­

  • In a rising rate environment, conventional wisdom says to shorten duration in bond portfolios.
  • Even as rates rise in general, the influence of central banks and expectations for inflation can create short term movements in the yield curve that can be exploited using systematic style premia.
  • Value, momentum, carry, and an explicit measure of the bond risk premium all produce strong absolute and risk-adjusted returns for timing duration.
  • Since these methods are reasonably diversified to each other, combining factors using either a mixed or integrated approach can mitigate short-term underperformance in any given factor leading to more robust duration timing.

In past research commentaries, we have demonstrated that the current level of interest rates is much more important than the future change in interest rates when it comes to long-term bond index returns[1].

That said, short-term changes in rates may present an opportunity for investors to enhance return or mitigate risk.  Specifically, by timing our duration exposure, we can try to increase duration during periods of falling rates and decrease duration during periods of rising rates.

In timing our duration exposure, we are effectively trying to time the bond risk premium (“BRP”).  The BRP is the expected extra return earned from holding longer-duration government bonds over shorter-term government bonds.

In theory, if investors are risk neutral, the return an investor receives from holding a current long-duration bond to maturity should be equivalent to the expected return of rolling 1-period bonds over the same horizon.  For example, if we buy a 10-year bond today, our return should be equal to the return we would expect from annually rolling 1-year bond positions over the next 10 years.

Risk averse investors will require a premium for the uncertainty associated with rolling over the short-term bonds at uncertain future interest rates.

In an effort to time the BRP, we explore the tried-and-true style premia: value, carry, and momentum.  We also seek to explicitly measure BRP and use it as a timing mechanism.

To test these methods, we will create long/short portfolios that trade a 10-year constant maturity U.S. Treasury index and a 3-month constant maturity U.S. Treasury index.  While we do not expect most investors to implement these strategies in a long/short fashion, a positive return in the strategy will imply successful duration timing.  Therefore, instead of implementing these strategies directly, we can use them to inform how much duration risk we should take (e.g. if a strategy is long a 10-year index and short a 3-month index, it implies a long-duration position and would inform us to extend duration risk within our long-only portfolio).  In evaluating these results as a potential overlay, the average profit, volatility, and Sharpe ratio can be thought of as alpha, tracking error, and information ratio, respectively.

As a general warning, we should be cognizant of the fact that we know long duration was the right trade to make over the last three decades.  As such, hindsight bias can play a big role in this sort of research, as we may be subtly biased towards approaches that are naturally long duration.  In effort to combat this effect, we will attempt to stick to standard academic measures of value, carry, and momentum within this space (see, for example, Ilmanen (1997)[2]).

Timing with Value

Following the standard approach in most academic literature, we will use “real yield” as our proxy of bond valuation.  To estimate real yield, we will use the current 10-year rate minus a survey-based estimate for 10-year inflation (from the Philadelphia Federal Reserve’s Survey of Professional Forecasters)[3].

If the real yield is positive (negative), we will go long (short) the 10-year and short (long) the 3-month.  We will hold the portfolio for 1 year (using 12 overlapping portfolios).

It is worth noting that the value model has been predominately long duration for the first 25 years of the sample period.  While real yield may make an appropriate cross-sectional value measure, it’s applicability as a time-series value measure is questionable given the lack of trades made by this strategy.

One potential solution is to perform a rolling z-score on the value measure, to determine relative richness versus some normalized local history.  In at least one paper, we have seen a long-term “normal” level established as an anchor point.  With the complete benefit of hindsight, however, we know that such an approach would ultimately load to a short-duration position over the last 15 years during the period of secular decline in real rates.

For example, Ilmanen and Sayood (2002)[4] compare real yield versus its previous-decade average when trading 7- to 10-year German Bunds.  Expectedly, the result is non-profitable.

Timing with Momentum

How to measure momentum within fixed income seems to be up for some debate.  Some measures include:

  • Change in bond yields (e.g. Ilmanen (1997))
  • Total return of individual bonds (e.g. Kolanovic and Wei (2015)[5] and Brooks and Moskowitz (2017)[6])
  • Total return of bond indices (or futures) (e.g. Asness, Moskowitz, and Pedersen (2013)[7], Durham (2013)[8], and Hurst, Ooi, Pedersen (2014)[9])

In our view, the approaches have varying trade-offs:

  • While empirical evidence suggests that nominal interest rates can exhibit secular trends, rate evolution is most frequently modeled as mean-reversionary. Our research suggests that very short-term momentum can be effective, but leads to a significant amount of turnover.
  • The total return of individual bonds makes sense if we plan on running a cross-sectional bond model (i.e. identifying individual bonds), but is less applicable if we want to implement with a constant maturity index.
  • The total return of a bond index may capture past returns that are attributable to securities that have been recently removed.

We think it is worth noting that the latter two methods can capture yield curve effects beyond shift, including roll return, steepening and curvature changes.  In fact, momentum in general may even be able to capture other effects such as flight-to-safety and liquidity (supply-demand) factors.  This may be a positive or negative thing depending on your view of where momentum is originating from.

As our intention is to ultimately invest using products that follow constant maturity indices, we choose to compare the total return of bond indices.

Specifically, we will compute the 12-1 month return of the 10-year index and subtract the 12-1 month return of the 3-month index.  If the return is positive (negative), we will go long (short) the 10-year and short (long) the 3-month.

 

Timing with Carry

We define the carry to be the term spread (or slope) of the yield curve, measured as the 5-year rate minus the 2-year rate.

A steeper curve has two implications.  First, if there is a premium for bearing duration risk, longer-dated bonds should offer a higher yield than shorter-dated bonds.  Hence, we would expect a steeper curve to be correlated with a higher BRP.

Second, all else held equal, a steeper curve implies a higher roll return for the constant maturity index.  So long as the spread is positive, we will remain invested in the longer duration bonds.

Similar to the value strategy, we can see that term-spread was largely positive over the entire period, favoring a long-duration position.  Again, this calls into question the efficacy of using term spread as a timing model since we didn’t see much timing.

Similar to value, we could employ a z-scoring method or compare the measure to a long-term average.  Ilmanen and Sayood (2002) find such an approach profitable in 7- to 10-year German Bunds.  We similarly find comparing current term-spread versus its 10-year average to be a profitable strategy, though annualized return falls by 200bp.  The increased number of trades, however, may give us more confidence in the sustainability of the model.

One complicating factor to the carry strategy is that rate steepness simultaneously captures both the expectation of rising short rates as well as an embedded risk premium.  In particular, evidence suggests that mean-reverting rate expectations dominate steepness when short rates are exceptionally low or high.  Anecdotally, this may be due to the fact that the front end of the curve is determined by central bank policy while the back end is determined by inflation expectations.  In Expected Returns, Antti Ilmanen highlights that the steepness of the yield curve and a de-trended short-rate have an astoundingly high correlation of -0.79.

While a steep curve may be a positive sign for the roll return that can be captured (and our carry strategy), it may simultaneously be a negative sign if flattening is expected (which would erode the roll return).  The fact that the term spread simultaneously captures both of these effects can lead to confusing interpretations.

We can see that, generally, term spread does a good job of predicting forward 12-month realized returns for our carry strategy, particularly post 2000.  However, having two sets of expectations embedded into a single measure can lead to potentially poor interpretations in the extreme.

 

 

Explicitly Estimating the Bond Risk Premium

While value, momentum, and carry strategies employ different measures that seek to exploit the time-varying nature of the BRP, we can also try to explicitly measure the BRP itself.  We mentioned in the introduction that the BRP is compensation that an investor demands to hold a long-dated bond instead of simply rolling short-dated bonds.

One way of approximating the BRP, then, is to subtract the expected average 1-year rate over the next decade from the current 10-year rate.

While the current 10-year rate is easy to find, the expected average 1-year rate over the next decade is a bit more complicated.  Fortunately, the Philadelphia Federal Reserve’s Survey of Professional Forecasters asks for that explicit data point.  Using this information, we can extract the BRP.

When the BRP is positive (negative) – implying that we expect to earn a positive (negative) return for bearing term risk –  we will go long (short) the 10-year index and short (long) the 3-month index.  We will hold the position for one year (using 12 overlapping portfolios).

Diversifying Style Premia

A benefit of implementing multiple timing strategies is that we have the potential to benefit from process diversification.  A simple correlation matrix shows us, for example, that the returns of the BRP model are well diversified against those of the Momentum and Carry models.

BRPMomentumValueCarry
BRP1.000.350.760.37
Momentum0.351.000.680.68
Value0.760.681.000.73
Carry0.370.680.731.00

One simple method of embracing this diversification is simply using a composite multi-factor approach: just dividing our capital among the four strategies equally.

We can also explore combining the strategies through an integrated method.  In the composite method, weights are averaged together, often resulting in allocations canceling out, leaving the strategy less than fully invested.  In the integrated method, weights are averaged together and then the direction of the implied trade is fully implemented (e.g. if the composite method says be 25% long the 10-year index and -25% short the 3-month index, the integrated method would go 100% long the 10-year and -100% short the 3-month). If the weights fully cancel out, the integrated portfolio remains unallocated.

We can see that while the integrated method significantly increases full-period returns (adding approximately 150bp per year), it does so with a commensurate amount of volatility, leading to nearly identical information ratios in the two approaches.

Did Timing Add Value?

In quantitative research, it pays to be skeptical of your own results.  A question worth asking ourselves is, “did timing actually add value or did we simply identify a process that happened to give us a good average allocation profile?”  In other words, is it possible we just data-mined our way to good average exposures?

For example, the momentum strategy had an average allocation that was 55% long the 10-year index and -55% short the 3-month index.  Knowing that long-duration was the right bet to make over the last 25 years, it is entirely possible that it was the average allocation that added the value: timing may actually be detrimental.

We can test for this by explicitly creating indices that represent the average long-term allocations.  Our timing models are labeled “Timing” while the average weight models are labeled “Strategic.”

CAGRVolatilitySharpe RatioMax Drawdown
BRP Strategic2.75%3.36%0.827.17%
BRP Timing3.89%5.48%0.7114.00%
Momentum Strategic3.54%4.32%0.829.09%
Momentum Timing3.62%7.20%0.5017.68%
Value Strategic4.37%5.38%0.8111.27%
Value Timing5.75%6.84%0.8415.17%
Carry Strategic4.71%5.80%0.8112.11%
Carry Timing5.47%6.97%0.7912.03%

While timing appears to add value from an absolute return perspective, in many cases it significantly increases volatility, reducing the resulting risk-adjusted return.

Attempting to rely on process diversification does not alleviate the issue either.

CAGRVolatilitySharpe RatioMax Drawdown
Composite Strategic3.78%4.63%0.829.71%
Composite Timing4.03%5.26%0.779.15%

 As a more explicit test, we can also construct a long/short portfolio that goes long the timing strategy and short the strategic strategy.  Statistically significant positive expectancy of this long/short would imply value added by timing above and beyond the average weights.

Unfortunately, in conducting such a test, we find that none of the timing models conclusively offer statistically significant benefits.

We want to be clear here that this does not mean timing did not add value.  Rather, in this instance, timing does not seem to add value beyond the average strategic weights the timing models harvested.

One explanation for this result is that there was largely one regime over our testing period where long-duration was the correct bet.  Therefore, there was little room for models to add value beyond just being net long duration – and in that sense, the models succeeded.  However, this predominately long-duration position created strategic benchmark bogeys that were harder to beat.  This test could really only show if the models detracted significantly from a long-duration benchmark.  Ideally, we need to test these models in other market environments (geographies or different historical periods) to further assess their efficacy. 

Robustness Testing: International Markets

We can try to allay our fears of overfitting by testing these methods on a different dataset.  For example, we can run the momentum, value, and carry strategies on German Bund yields and see if the models are still effective.

Due to data accessibility, instead of switching between 10-year and 3-month indices, we will use 10-year and 2-year indices.  We also slightly alter our strategy definitions:

  • Momentum: 12-1 month 10-year index return versus 12-1 month 2-year index return.
  • Value: 10-year yield minus trailing 1-year CPI change
  • Carry: 10-year yield minus 2-year yield

Given the regime concerns highlighted above, we will also test two other measures:

  • Value #2: Demeaned (using prior 10-year average) 10-year yield minus trailing 1-year CPI change
  • Carry #2: Demeaned (using prior 10-year average) 10-year yield minus 2-year yield

We can see similar results applying these methods with German rates as we saw with U.S. rates: momentum and both carry strategies remain successful while value fails when demeaned.

However, given that developed rates around the globe post-2008 were largely dominated by similar policies and factors, a healthy dose of skepticism is still well deserved.

Robustness Testing: Different Time Period

While success of these methods in an international market may bolster our confidence, it would be useful to test them during a period with very different interest rate and inflation evolutions.  If we are again willing to slightly alter our definitions, we can take our U.S. tests back to the 1960s – 1980s.

Instead of switching between 10-year and 3-month indices, we will use 10-year and 1-year indices.  Furthermore, we use the following methodology definitions:

  • Momentum: 12-1 month 10-year index return versus 12-1 month 1-year index return.
  • Value: 10-year yield minus trailing 1-year CPI change
  • Carry: 10-year yield minus 1-year yield
  • Value #2: Demeaned (using prior 10-year average) 10-year yield minus trailing 1-year CPI change
  • Carry #2: Demeaned (using prior 10-year average) 10-year yield minus 1-year yield

Over this period, all of the strategies exhibit statistically significant (95% confidence) positive annualized returns.[10]

That said, the value strategy suffers out of the gate, realizing a drawdown exceeding -25% during the 1960s through 6/1970, as 10-year rates climbed from 4% to nearly 8%.  Over that period, prior 1-year realized inflation climbed from less than 1% to over 5%.  With the nearly step-for-step increase in rates and inflation, the spread remained positive – and hence the strategy remained long duration.  Without a better estimate of expected inflation (e.g. 5-year, 5-year forward inflation expectations, TIPs, or survey estimates)[11], value may be a failed methodology.

On the other hand, there is nothing that says that inflation expectations would have necessarily been more accurate in forecasting actual inflation.  It is entirely plausible that future inflation was an unexpected surprise, and a more accurate model of inflation expectations would have kept real-yield elevated over the period.

Again, we find the power in diversification.  While value had a loss of approximately -25% during the initial hikes, momentum was up 12% and carry was flat.  Diversifying across all three methods would leave an investor with a loss of approximately -4.3%: certainly not a confidence builder for a decade of (mis-)timing decisions, but not catastrophic from a portfolio perspective.[12]

Conclusion

With fear of rising rates high, shortening bond during might be a gut reaction.  However, even as rates rise in general, the influence of central banks and expectations for inflation can create short term movements in the yield curve that can potentially be exploited using style premia.

We find that value, momentum, carry, and an explicit measure of the bond risk premium all produce strong absolute and risk-adjusted returns for timing duration. The academic and empirical evidence of these factors in a variety of asset classes gives us confidence that there are behavioral reasons to expect that style premia will persist over long enough periods. Combining multiple factors into a portfolio can harness the benefits of diversification and smooth out the short-term fluctuations that can lead to emotion-driven decisions.

Our in-sample testing period, however, leaves much to be desired.  Dominated largely by a single regime that benefited long-duration trades, all of the timing models harvested average weights that were net-long duration.  Our research shows that the timing models did not add any statistically meaningful value above-and-beyond these average weights.  Caveat emptor: without further testing in different geographies or interest rate regimes – and despite our best efforts to use simple, industry-standard models – these results may be the result of data mining.

As a robustness test, we run value, momentum, and carry strategies for German Bund yields and over the period of the 1960s-1980s within the United States.  While we continue to see success to momentum and carry, we find that the value method may prove to be too blunt an instrument for timing (or we may simply need a better measure as our anchor for value).

Nevertheless, we believe that utilizing systematic, factor-based methods for making duration changes in a portfolio can be a way to adapt to the market environment and manage risk without relying solely on our own judgements or those we hear in the media.

As inspiration for future research, Brooks and Moskowitz (2017)[13] recently demonstrated that style premia – i.e. momentum, value, and carry strategies – provide a better description of bond risk premia than traditional model factors.  Interestingly, they find that not only are momentum, value, and carry predictive when applied to the level of the yield curve, but also when applied to slope and curvature positions.  While this research focuses on the cross-section of government bond returns across 13 countries, there may be important implications for timing models as well.


[1] https://blog.thinknewfound.com/2017/04/declining-rates-actually-matter/

[2] https://www.aqr.com/library/journal-articles/forecasting-us-bond-returns

[3] https://www.philadelphiafed.org/research-and-data/real-time-center/survey-of-professional-forecasters

[4] https://www.aqr.com/library/journal-articles/quantitative-forecasting-models-and-active-diversification-for-international-bonds

[5] http://www.cmegroup.com/education/files/jpm-momentum-strategies-2015-04-15-1681565.pdf

[6] https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2956411

[7] https://www.aqr.com/library/journal-articles/value-and-momentum-everywhere

[8] https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr657.pdf

[9] https://www.aqr.com/library/aqr-publications/a-century-of-evidence-on-trend-following-investing

[10] While not done here, these strategies should be further tested against their average allocations as well.

[11] It is worth noting that The Cleveland Federal Reserve does offers model-based inflation expectations going back to 1982 (https://www.clevelandfed.org/our-research/indicators-and-data/inflation-expectations.aspx) and The New York Federal Reserve also offers model-based inflation expectations going back to the 1970s (http://libertystreeteconomics.newyorkfed.org/2013/08/creating-a-history-of-us-inflation-expectations.html).

[12] Though certainly a long enough period to get a manager fired.

[13] https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2956411

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