[HN Gopher] An Intuitive Explanation of Black-Scholes
       ___________________________________________________________________
        
       An Intuitive Explanation of Black-Scholes
        
       Author : alexmolas
       Score  : 204 points
       Date   : 2024-10-03 13:28 UTC (3 days ago)
        
 (HTM) web link (gregorygundersen.com)
 (TXT) w3m dump (gregorygundersen.com)
        
       | ComplexSystems wrote:
       | If you found a stock price that actually follows the geometric
       | Brownian motion pattern this model is built on, wouldn't that
       | basically just print you an infinite amount of money? The
       | expected value of the price movement one time-unit later would be
       | positive.
        
         | pfdietz wrote:
         | I think these models are self-defeating, since they stop
         | working when enough people try to exploit them.
        
           | dragontamer wrote:
           | The opposite.
           | 
           | We have huge numbers of people 'rocking the boat' trying to
           | create say.... a Gamma Squeeze.
           | 
           | The only reason everyone trusts a Gamma Squeeze can happen is
           | because they trust the math in Black Scholes. The may not
           | even understand the math, just trust that the YouTuber who
           | told them about Gamma Squeezes had enough of an understanding
           | 
           | ------------
           | 
           | Today's problem IMO, is now a bunch of malicious players who
           | are willing to waste their money are trying to make
           | 'interesting' things happen in the market, almost out of
           | shear boredom. Rather than necessarily trying to find the
           | right prices of various things.
           | 
           | Knowing that other groups follow say, Black Scholes, is taken
           | as an opportunity to mess with market makers.
        
           | rubyn00bie wrote:
           | I used to think charting was bullshit for day and swing
           | trading. Because on paper it sure seems to be, but in reality
           | so many other players are also charting that it becomes
           | useful and somewhat predictive. Largely because you're all
           | using the same signals. Sure it's impossible difficult to
           | time things perfectly, but perfect is the enemy of profit.
           | You don't need to catch the absolute bottom and you don't
           | need to catch the absolute top.
           | 
           | Specific to Black-Sholes the best option plays, when going
           | long, are the ones which have incorrect assumptions about the
           | volatility of the underlying. You can have far outta the
           | money options, absolutely print, with a sufficient spike in
           | the underlying. Even if the strike price will never be met
           | (though you'll also give that back if you ride them to
           | expiration or let things settle down).
        
         | pram wrote:
         | The competitive advantage is lessened because everyone knows it
         | already. It's "priced in" as they say
        
         | yold__ wrote:
         | No, this doesn't imply an "infinite amount of money", it's just
         | a pricing model. You still need the parameters of the
         | distribution (brownian motion / random walk), and these are
         | unobservable. You can try to estimate them, but there is a lot
         | of practical problems in doing so, primarily that volatility /
         | variance isn't constant.
        
         | bjornsing wrote:
         | Yes. That's basically how the stock market works. If you buy
         | and hold an S&P 500 index fund you can expect to make an
         | infinite amount of money, in an infinite amount of time. But
         | few have the patience for that.
        
           | tehjoker wrote:
           | We'll hit the limit in a few decades or at most a couple
           | centuries due to ecological limits on growth though (unless a
           | robust space economy develops).
        
             | twoodfin wrote:
             | Sorry, which limits? How do those apply to the increasing
             | economic value of turning the same amount of sand into
             | faster and faster GPUs, for example?
        
               | sokoloff wrote:
               | There are still finite people willing to buy whatever the
               | intermediate or end product of that fancy sand is. And
               | finite energy and space. And only 5 billion years until
               | the sun goes red giant.
               | 
               | The limits may be very large, but they aren't infinite.
        
               | twoodfin wrote:
               | Yeah but a couple centuries? What's the evidence for
               | exhaustion of demand and supply for economic goods on
               | that kind of time horizon.
        
             | lazide wrote:
             | What you're describing is just a variant of Malthusianism
             | [https://www.intelligenteconomist.com/malthusian-theory/],
             | which may not be wrong - but has not proven right either
             | (in modern times) with advances in technology.
             | 
             | Especially improvements in energy generation, fertilizer
             | production, and efficient usage of both (often through
             | information technology).
             | 
             | Given any stable state of technology/energy/space, a
             | society will generally reach a high point, then go through
             | cycles of growth/retraction.
             | 
             | But improvements in technology and energy generation means
             | it won't be at a stable state, eh?
        
             | immibis wrote:
             | Or just poor people hitting the zero bound.
        
         | melenaboija wrote:
         | This is a pricing model, i.e. what is the value according to
         | the assumptions the model does (which btw are known to be weak
         | for BS) but as anything else the price is what you are going to
         | pay in the market for whatever other reasons.
         | 
         | Imagine you have a model that establishes the price of used
         | cars, it can be really really good but if you go to the market
         | to buy one you will pay whatever is been asked for not what
         | your model says.
         | 
         | EDIT: Although pricing models do not have direct affectation to
         | market prices they do in an indirect manner. To manage risk are
         | needed pricing models which somehow condition market
         | participants and therefore prices indirectly. In the simile
         | with cars, you can buy as many cars as you want at the price
         | you want, but what you do when you have them and if you want to
         | take wise decisions with them you have to know something about
         | their value.
        
           | listenallyall wrote:
           | Yes, but also no. Because you don't have to buy a mispriced
           | asset (mispriced against you) and also, in many cases, you
           | can construct what you want from pieces of other assets.
           | 
           | One car dealer trying to sell a 2023 Honda Accord with 60,000
           | miles can't just decide, independently, to forget the high
           | mileage and price the car based solely on it being 1 year
           | old. Sure that's "whatever is being asked" but that car will
           | never sell until he brings the price down in line with other
           | 60k mile cars - and that is because the pricing models are
           | essentially agreed upon by all market participants.
        
             | melenaboija wrote:
             | Yes, but also no. The value of things is only what the
             | market wants to pay for it, and it does not matter if it is
             | a 2023 Honda Accord or a financial product, currency... In
             | one you might trust the engine reliability and on the other
             | on the government behind the currency, whoever is writing
             | the option, issuing the bond, ... But still, it is a matter
             | of faith and bid/ask.
        
         | stackghost wrote:
         | Indeed, hence the meme "stocks only go up". There's a grain of
         | truth to the meme, though. The safest bet I can think of to
         | make is that, on average, the S&P 500 will be higher in the
         | future than today. Obviously there are temporary down trends
         | but on a time horizon of years to decades I can't think of a
         | safer bet.
        
           | pigeons wrote:
           | However the company stocks included in the S&P 500 aren't the
           | same.
        
           | smabie wrote:
           | Safer bet would be to hold short term treasures.
        
             | stackghost wrote:
             | I'd argue that's not a bet.
        
               | sokoloff wrote:
               | It's a bet on the continued existence, and
               | willingness/ability to honor its obligations, of the US
               | federal government.
               | 
               | If that bets goes bad, the typical investor in Treasuries
               | has perhaps bigger problems to worry about, but it's
               | still a bet IMO (and one which will inevitably eventually
               | go bad).
        
           | gyudin wrote:
           | Considering they only choose top performers and inflation
           | sounds like a safe guess :D
        
         | nicolapede wrote:
         | No. Just look at equations 6 and 7 in the link. The expected
         | value of the move can be either positive or negative depending
         | on the model parameters.
        
         | tel wrote:
         | Generally these parameters are unknown and the drift parameter
         | is often quite a bit smaller than the volatility. As a
         | consequence, you cannot be sure your investment is secure and
         | its value is likely to wobble significantly in the short term
         | even if it ultimately produces value in the long term.
         | 
         | If you actually knew that the drift on a certain investment was
         | positive, you still have to be prepared to survive the losses
         | you might accumulate on the way to profit. The greater the
         | volatility the more painful this process can be. If you can
         | just sock away your investment and not look at it for a long
         | time it will become more valuable. On a day-to-day time scale,
         | as an actual human watching this risky bet you've made wobble
         | back and forth, it can require a lot of fortitude to remain
         | invested even as the value dips significantly.
        
           | eclark wrote:
           | How does this hold on assets that trend today wards the whole
           | market if we assume that governments will not let markets
           | crash too long before printing money?
           | 
           | What I mean is that if we can assume that the wiggle for VTI
           | or SPY on the long term is positive because of outside
           | factors, does that make options on those larger market assets
           | become a game of who has a large enough reserve
        
         | smabie wrote:
         | Why? the mean can be negative?
        
           | bibouthegreat wrote:
           | 2 parts:
           | 
           | 1. Interest rates can be negative 2. Volatility reduces the
           | average. Take an example of +10% then -10% (1+0.1)*(1-0.1) =
           | 1 - 0.12 = 0.99 < 1. It's due to the "log normal returns"
        
         | crystal_revenge wrote:
         | No. In fact, the fundamental principle of all quantitative
         | finance is that your results in the ideal scenario are
         | _arbitrage-free_ meaning that nobody stands to make any money
         | off any transaction. That 's how you determine the ideal price
         | given the ideal asset.
         | 
         | edit: To address your specific observation, that the price of
         | the stock is expected to go up, it's assumed that if the stock
         | goes up, so do all other assets. In mathematical finance you
         | never keep you money as cash, so if you sell the stock you put
         | that money in an account that expected to grow at the "risk-
         | free" rate. The major difference between the "risk-free"
         | account and the stock is the variance of these asset prices.
         | 
         | However, in your scenario, you wouldn't need Black-scholes for
         | the price of the stock itself since that should be
         | theoretically equal to it's _expected_ (in the mathematical
         | sense of  "expectation") future value assuming the risk-free
         | rate.
         | 
         | Black-Scholes is used to price the _variance_ of the underlying
         | asset over time for the use of pricing derivatives. But again,
         | if the stock moved exactly as modeled then the model would give
         | you the perfect price such that neither the buyer nor the
         | seller of the derivative was at a disadvantage.
         | 
         | The way you would make use of such a perfectly priced stock
         | would be to search for cases where either buyers or sellers had
         | _mispriced_ the derivative and then take the opposite end of
         | the mispriced position.
         | 
         | However you don't need a perfect ideal stock to make use of
         | Black-Scholes (this is a common misconception). Black-Scholes
         | can also be used to price the _implied volatility_ of a given
         | derivative. Again, derivatives fundamentally derive their
         | values from the _volatility_ /variance of an asset, not it's
         | expectation. By using Black-Scholes you can assess what the
         | market beliefs are regarding the future volatility. Based on
         | this, and presumably your own models, you can determine whether
         | you believe the market has mispriced the future volatility and
         | purchase accordingly.
         | 
         | One final misconception of Black-Scholes is that it's always
         | incorrect because stock price volatility is "fat-tailed" and
         | has more variance than assumed under Black-Scholes. This _was_
         | the case in the mid-80s and people did exploit this to make
         | money, but today this is well understood. The  "fat-tailed"
         | nature of assets prices is modeled in the "Volatility smile"
         | where the implied volatility is different at different prices
         | points (which would _not_ be expected under pure geometric
         | Brownian motion), but this volatility can still be determined
         | using Black-Scholes for any given derivative.
         | 
         | tl;dr Buying stocks is about your estimate of the expected
         | future value of a stock, but Black-Scholes is used to price
         | _derivatives_ of a stock where you actually care about the
         | expected future variance of a stock. Even in an unideal world
         | you can still use Black-Scholes to quantify what the market
         | believes about future behavior and buy /sell where you think
         | you have an advantage.
        
         | FabHK wrote:
         | Well, yes. If you buy a stock with positive drift and hold it,
         | the model predicts "infinite growth" (in the sense that for any
         | number N you give me I can give you a time t at which the
         | E[S(t)] > N).
         | 
         | But it might take quite some time, and it's still random, it
         | might be much smaller or much bigger.
         | 
         | You could be tempted to employ leverage. However, that
         | introduces the chance of being wiped out.
         | 
         | ETA: Real rates are normally positive. So you can achieve the
         | same result by investing in long term bonds with less risk.
         | Just have to wait even longer.
        
       | zyklu5 wrote:
       | This guy's other notes are also well thought through and written.
       | Thanks for the link.
        
       | yieldcrv wrote:
       | the creators of Black-Scholes destroyed their options selling
       | fund based on their flawed belief that everyone else had
       | mispriced options, or the black swan possibility should have been
       | part of the formula
       | 
       | also Black-Scholes doesnt factor in the liquidity of the
       | underlying asset, in modern times I think this is relevant in
       | determining the utility of an options contract
       | 
       | there are other options pricing formulas
        
         | smabie wrote:
         | LTCM wasn't really an options selling fund though selling
         | equity options did become a big trade for them
         | 
         | Also they were more of advisors in the fund then anything else
        
           | yieldcrv wrote:
           | You're judged by the company you keep
        
         | mhh__ wrote:
         | If you mean LTCM then the story is far more dull (i.e. too much
         | leverage, fund goes boom)
         | 
         | Ed Thorpe _did_ originally want to setup an options fund (he
         | was the first to trade the model) that he later estimated would
         | 've blown up due to various market conditions at the time IIRC
        
       | javitury wrote:
       | Great article and very intuitive explanation.
       | 
       | I also wanted to point out a (minor) typo. On equation 3, dZt is
       | multiplied by sigma squared, but it should be multiplied just by
       | sigma instead.
        
         | gwgundersen wrote:
         | Thanks! I'll fix this.
        
       | ncclporterror wrote:
       | In modern finance the Black-Scholes formula is not used to
       | "price" options in any meaningful sense. The price of options is
       | given by supply and demand. Black-Scholes is used in the opposite
       | way: traders deduce the implied volatility from the observed
       | option prices. This volatility is a representation of the risk-
       | neutral probability distribution that the markets puts on the
       | underlying returns. From that distribution we can price other
       | financial products for which prices are not directly observable.
        
         | mikeyouse wrote:
         | It's still used as an input into illiquid 409a valuations.
        
           | nknealk wrote:
           | It's also frequently used to price stock options given to
           | employees at publicly traded companies.
        
             | dumah wrote:
             | Black-Scholes assumes constant volatility and cannot
             | compute option prices without a volatility input.
             | 
             | This volatility is backed out of nearby options prices,
             | often using the formula for European options.
             | 
             | There isn't any purely theoretical option price because an
             | assumption depends on observed prices.
        
         | klysm wrote:
         | Kinda, but it's not great because of the volatility smile
        
         | wavemode wrote:
         | Sure, but isn't most of supply and demand in the market driven
         | by large investors who use such formulas to derive the fair
         | price of the option?
         | 
         | That is, if the real price ever differred significantly from
         | what Black-Scholes predicts, wouldn't algorithmic trading very
         | quickly correct this deviation?
        
           | onerandompotato wrote:
           | If there was a way to directly formulate every parameter of
           | the black Scholes formula you would be correct. The problem
           | that you run into is how to calculate volatility itself?
           | Without the volatility value, your algorithm cannot trade on
           | it.
           | 
           | Using history of volatility is insufficient, because
           | volatility is a forward looking measure. Just because the
           | stock was volatile in the past does not mean it will be in
           | the future, and vice versa. There are even more nuances with
           | this, as volatility is a smile (or a surface), not a singular
           | number https://en.wikipedia.org/wiki/Volatility_smile.
           | 
           | TLDR Trading in volatility is a very complicated topic.
           | However, volatility is a useful parameter, and black Scholes
           | is typically used to deduce the forward looking volatility
           | from option price, in addition to volatility -> option price.
        
             | thaumasiotes wrote:
             | > There are even more nuances with this, as volatility is a
             | smile (or a surface), not a singular number
             | https://en.wikipedia.org/wiki/Volatility_smile.
             | 
             | That article says that _implied volatility_ is
             | inconsistent, with options at strike prices that are very
             | far from the current market price having costs that imply a
             | different level of volatility than options at strike prices
             | that are close to the current price. The cute question here
             | is  "should an option be priced according to the actual
             | level of volatility in the price of the underlying asset,
             | or should it be priced according to the level of volatility
             | that exercising the option would require?"
             | 
             | Volatility is just a quantity.
        
           | FabHK wrote:
           | In a sense, BS and the option market enable trading in
           | volatility itself.
           | 
           | Specifically, you trade in the estimate of the stock's
           | volatility over the time from now to expiry of the option.
           | 
           | If you don't want to trade options directly to do that (it is
           | cumbersome, as it involves "continuous" delta hedging), you
           | can trade in VIX futures for the same purpose. Or variance
           | swaps.
        
         | ndesaulniers wrote:
         | Also, isn't it only used for European style options, not
         | American?
        
           | FabHK wrote:
           | European and American calls cost the same on non-dividend
           | paying stocks (on dividend paying stocks, it might make sense
           | to exercise an American just before the ex-date).
           | 
           | Either way, as was pointed out, in reality BS is used as a
           | deterministic one-to-one mapping between option prices and BS
           | vols. Then, from market quotes (either as prices or as BS
           | vols) a vol-surface is fitted (as a function of strike and
           | expiry time), from which a stochastic process is fitted that
           | correctly re-prices all these points (using a model such as
           | "local vol" or "stochastic vol" or a combination of those
           | two, or others), and then everything is priced of that.
        
             | dahfizz wrote:
             | > European and American calls cost the same on non-dividend
             | paying stocks
             | 
             | All else being equal, I would prefer to buy an option
             | contract I can exercise at any time vs one I can only
             | exercise on a certain date. It doesn't make intuitive sense
             | they would be priced the same, can you please elaborate?
        
               | Renevith wrote:
               | The parent is assuming that you can always sell your
               | option to someone else for its fair value. If that's the
               | case, there would never be a time where it's optimal to
               | exercise a call option, because the optionality will
               | always make the option value higher that the value of
               | owning the stock.
               | 
               | This is shown in the article: the curved lines
               | representing the option value are always above the
               | straight lines of the final option payoff (the value if
               | exercised).
               | 
               | This is not necessarily true for put options or for call
               | options if the stock pays dividends. In those cases the
               | option value can be below the payoff line and early
               | exercise would be better than selling the option.
        
             | sokoloff wrote:
             | American style options are inherently more valuable.
             | Imagine you had options on a stock that experienced a sharp
             | but possibly temporary move. As a holder of an American
             | style option, you could benefit from that temporary move,
             | making it more valuable.
        
               | im3w1l wrote:
               | The way the market is typically modeled, temporary moves
               | are not a thing.
        
               | sokoloff wrote:
               | The way the market _actually exists_ , temporary moves
               | are definitely a thing.
        
         | mhh__ wrote:
         | The real purpose of models is risk anyway e.g. implied vol is
         | handy, delta is essential.
        
         | IAmGraydon wrote:
         | >In modern finance the Black-Scholes formula is not used to
         | "price" options in any meaningful sense. The price of options
         | is given by supply and demand.
         | 
         | I'm not sure what your point is. Yes, actual market prices are
         | determined by...the market. The Black-Scholes formula is widely
         | used in modern finance to MODEL the price of an option given
         | different sets of inputs in theoretical situations.
        
           | loveparade wrote:
           | And it's a cycle. Supply and demand are partially driven by
           | pricing models used by hedge funds, and variants of Black
           | Scholes is one of those.
        
           | ncclporterror wrote:
           | The way the article is written, it appears that the formula
           | is used as: 1. Observe market parameters (volatility of the
           | underlying and risk free rate) 2. Plug into formula 3. Deduce
           | a price for the option.
           | 
           | My point is that it is used in the opposite way: observe
           | prices to deduce market parameters. You claim my point is
           | obvious, but I'm not sure it would be obvious to a reader
           | unfamiliar with modern finance reading this article, which is
           | the target audience.
        
             | blitzar wrote:
             | > 1. Observe market parameters (volatility of the
             | underlying and risk free rate) 2. Plug into formula 3.
             | Deduce a price for the option.
             | 
             | In the FX market (interbank), the quoted and "traded"
             | number is Implied Vol - the price of the option then
             | follows from there (via the Black-Scholes model).
        
         | e-master wrote:
         | I've seen it used for OTC option pricing - there's no liquid
         | market, so you are more of a market maker than a market taker.
        
           | RayVR wrote:
           | Black Scholes is not used for any otc option pricing, except
           | perhaps to provide an instantaneous estimate to get in the
           | ballpark, but no one would use it for the final price.
        
         | RandomLensman wrote:
         | For valuing financial products with no directly observable
         | price, BS or its descendants matter quite a lot. For actually
         | pricing a transaction on those, it becomes more complex but
         | model value is typically an important input.
        
         | mcdeltat wrote:
         | I have seen the insides of an options market maker, and can say
         | this is not really true (at least for some regions of the
         | market). Black-Scholes is used to derive theoretical prices for
         | options. Good option traders will have an opinion on volatility
         | and won't just take whatever the market says.
         | 
         |  _However_ , one of the interesting aspects of serious option
         | trading is that Black-Scholes is merely your bread and butter.
         | There is a lot of information that goes into option pricing,
         | including supply/demand signals. The mix of signals also
         | depends on the time scale on which you are trading.
         | 
         | What rings true to me with this comment is the correlation
         | between products. Option traders are often concerned with many
         | relationships between product pricing: between underlying and
         | option, across expiries, across strikes, between products in
         | indices, between products in sectors, etc .
        
         | MuffinFlavored wrote:
         | > traders deduce the implied volatility from the observed
         | option prices.
         | 
         | I've only ever seen one thing:
         | 
         | Black-Scholes models say IV should be less but your
         | broker/brokerage/the market are overpaying for it.
         | 
         | I always figured it was closer to a Vegas juice/vig.
         | 
         | I never understood the benefit really.
         | 
         | Complicated math to tell you lots of people want to play
         | roulette on NVDA earnings and whatever you are going to pay for
         | it is going to be "overpriced/overvalued" in at least one way.
         | 
         | I've never seen the opposite where it helps you find an edge
         | and something was undervalued.
        
       | keithalewis wrote:
       | Here is a replacement for the Black-Scholes/Merton model:
       | https://keithalewis.github.io/math/um1.html#black-scholesmer...
        
       | erehweb wrote:
       | You can also use nonstandard analysis to derive Black-Scholes,
       | replacing stochastic calculus by a random walk with infinitesimal
       | steps. https://ieeexplore.ieee.org/document/261595 (don't see an
       | ungated version)
        
         | jesuslop wrote:
         | The "Loeb Measures in Practice" book also by Cutland has a
         | survey chapter.
        
       | jesuslop wrote:
       | I jotted a time ago a Sage snippet for options pricing in
       | elementary calculus terms, pasted here
       | https://pastebin.com/tTMp6fPk.
       | 
       | The idea is that the clean picture is done in terms of log-prices
       | (not prices). Probability of log-prices follows a diffusion with
       | an initial Dirac delta at-the-money. At expiration the profit
       | function is deterministic (0 out of the money, a ramp if in the
       | money) and the probability is certain gaussian. The expectancy of
       | the value of a function applied to a random var of given density
       | is like a weighted sum of the values, weighted by the
       | frequency/density, as in a dot product (an integral here). Add to
       | that the "time value of money" (see Investopedia) that works as
       | linear drift, and you are done.
        
       | charlie0 wrote:
       | Brownian motion is what happens when people lose their life
       | savings on meme stocks.
        
       | bryan0 wrote:
       | Another good explanation from Terence Tao's blog:
       | https://terrytao.wordpress.com/2008/07/01/the-black-scholes-...
        
       | bee_rider wrote:
       | Of course, Black-Scholes is a very famous and important
       | mathematical model. However, it is Saturday night, so let's be a
       | little silly.
       | 
       | I've always thought that one reason it became so well known is
       | that it sounds kind of badass. A shoal is, of course, a shallow
       | bit of water, general associated with running aground and that
       | sort of thing. Black-Shoals sounds like an area where Blackbeard
       | the pirate will hang out steal all your stuff if you get stuck.
       | I've always thought quants secretly want to be pirates, but of
       | course the era of going around pirating is over, so they learned
       | how to do it on the market instead.
       | 
       | In the time of piracy, they could probably have been navigators,
       | that job was pretty mathy. The would have presumably gone around
       | the Black-Shoals.
        
         | putcher_willow wrote:
         | You're not alone in finding the name poetic: see
         | https://www.blackshoals.net/
         | 
         | "Black Shoals Stock Market Planetarium is an art project
         | created by Joshua Portway and Lise Autogena.
         | 
         | The project takes the form of a darkened room with a domed
         | ceiling upon which a computer display is projected, like a
         | planetarium. Audiences are immersed in a world of real-time
         | stock market activity, represented as the night sky, full of
         | stars that glow as trading takes place on particular stocks.
         | 
         | In Black Shoals each traded company is represented by a star,
         | flickering and glowing as shares are traded. The stars slowly
         | drift in response to the complex currents of the market, while
         | outlining shapes of different industries and the huge
         | multinational conglomerates like the signs of the zodiac. The
         | movement of the stocks is based on calculated correlations
         | between the histories of each stock and those of its near
         | neighbours. The stronger the correlation between the histories
         | of the stock prices of any two companies, the more powerful the
         | gravitational attraction between them. Although they start out
         | randomly distributed in the planetarium, over time the stars
         | clot together and drift into slowly changing constellations,
         | nebulae and clusters. Through this technique different
         | industries naturally start to emerge as galaxies. Any general
         | disturbance in a section of the market will have a visible
         | effect on the sky - the collapse of Enron, for instance, would
         | have caused a sort of black hole - all the companies affected
         | would glow very brightly due to the level of trading and would
         | be pulled in to a single point in a very powerful vortex."
         | 
         | It goes on...
        
       | marxisttemp wrote:
       | Like all economics, this uses massive oversimplifications that
       | never apply in the real world to imply some incontrovertible
       | nature to free markets that simply does not exist. Spherical cows
       | indeed.
       | 
       | There was an article posted here recently about "mathy" equations
       | that this reminds me of.
       | 
       | Anyways read Das Kapital if you want to actually understand
       | economies.
        
         | LudwigNagasena wrote:
         | > this uses massive oversimplifications that never apply in the
         | real world
         | 
         | If you've read Das Capital, you have noticed it also uses
         | massive oversimplifications in its models.
         | 
         | > imply some incontrovertible nature to free markets that
         | simply does not exist. Spherical cows indeed.
         | 
         | Das Kapital (as one can guess from its name) also studies the
         | spherical cow of the free market. The implication of
         | incontrovertible nature, that's something in people's heads
         | though, not in the models.
         | 
         | > There was an article posted here recently about "mathy"
         | equations that this reminds me of.
         | 
         | Any math model (including models described in Das Kapital) is
         | either going to be oversimplified or "mathy". The only other
         | choice is non-math models, which doesn't seem very useful if
         | you want to talk about money, prices, profits and other
         | numerical stuff.
        
       | 1htfp wrote:
       | One of the most fascinating things about working on a trading
       | floor is that models such as BSM transcend their normative aspect
       | and become mental models. Pricing an option? Basically only two
       | things matter: where the underlying asset forward price is at
       | maturity (this is related to the concept of drift) and what the
       | volatility is. At any time, your job is choose "bumps" (which you
       | add to market prices) in order to maximize your odds of making
       | money on a trade subject to beating your competition on price.
       | There are some people who make a living making these markets who
       | likely have never heard of "Ito's lemma" or diffusion equations.
        
         | MuffinFlavored wrote:
         | > where the underlying asset forward price is at maturity
         | 
         | What models do people use for SPY/SPX forward price?...
        
           | blitzar wrote:
           | Futures. Decomposes down to price + dividend + time
           | value/cost of money
        
             | MuffinFlavored wrote:
             | How often is front-month /ES not right around 20-50 points
             | ahead of whatever SPX is trading at?
        
       | FabHK wrote:
       | A few points:
       | 
       | 1) Very nice exposition.
       | 
       | 2) Near eq. (4) it is claimed that one cannot compute the delta
       | \frac{\del C}{\del S} without stochastic calculus, since S is
       | stochastic. That doesn't strike me as correct: C is just a
       | deterministic continuous function of S, C, K, T, t, r, sigma; and
       | computing partial derivatives does not require stochastic
       | calculus.
       | 
       | 3) It captures the notion that when you hedge, you use risk-
       | neutral probabilities.
       | 
       | 4) Generally, in practice, BS is written as follows:
       | C = df ( F N(d1) - K N(d2) ), where d1 = (ln(F/K) + 1/2 s^2)/s,
       | d2 = d1 - s, s = sqrt(sigma^2 (T-t)), df is the discount factor,
       | and F is the forward price of S.
       | 
       | This abstracts away the whole discounting business.
       | 
       | Note that sigma never occurs except in the expression sigma^2
       | (T-t), which is dimension less, thus sigma has physical dimension
       | 1/sqrt(year), usually ("annualised vol"). C has the same
       | dimension as F and K.
        
         | gwgundersen wrote:
         | 2) Thanks for pointing this out. I've fixed.
        
       | lowkey wrote:
       | I've always found it strange that BSM is used for calculating
       | implied volatility of American style options when it was
       | specifically designed only for European style options.
       | 
       | Can anyone comment if there are more suitable models for American
       | style options?
        
         | FabHK wrote:
         | Generally, you back out local vols (as a function of S, t) of
         | the BS vols (as a function of K, T) by a process described
         | first by Dupire, and then you price American options (and other
         | products that are not sensitive to vol of vol) with that using
         | a numerical PDE solver.
         | 
         | https://en.wikipedia.org/wiki/Local_volatility
        
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