riskpremium

عزيزي المتداولين ومديري المحافظ،
تقدم بداية عام 2026 إشارة واضحة: الأسواق لم تعد تكافئ أكثر السرديات النمو المثيرة، بل الأصول التي تظل أكثر استقلالية تحت الضغط المؤسسي. مع توسع الرافعة المقومة بالدولار عبر أسواق العملات المشفرة، يتم التعامل مع البيتكوين والإيثيريوم بشكل متزايد كخطر دولار عالي التقلب بدلاً من مخازن قيمة غير مرتبطة بالسيادة.
الذهب والفضة، بالمقابل، تواصل جذب "علاوة الاستقلال". تسعيرهم مدفوع أقل برافعة وأكثر بطلب السوق، وفائدة الضمان، والانفصال عن البنية التحتية المالية المصرح بها. في نظام يتم تعريفه بعدم اليقين في السياسة، وتغير القواعد، وقيود سيولة الدولار، فإن هذا التمييز يهم أكثر من الأيديولوجيا.

Key Points
Risk premium is the extra return you expect when you choose a risky investment instead of a safe one.Different types exist: market risk, credit risk, and liquidity risk.Understanding risk premium helps investors compare options and manage their portfolios better.
Introduction
Investing is all about balancing risk and reward. Some assets, like government bonds, are considered very safe, while others—such as stocks, real estate, or cryptocurrencies—come with higher risks.
The concept of risk premium helps explain why investors demand higher returns when they take on more uncertainty. In short, if you’re accepting more risk, you’ll want more reward in return.
What Is Risk Premium?
Risk premium is the extra return an investor expects from a risky investment compared to a safe one.
👉 Example: If a government bond pays 2% and a company bond pays 5%, the difference—3%—is the risk premium. The company must offer more because there’s a chance it could fail to pay back.
It’s basically the “bonus” investors want for stepping out of their comfort zone.
Why Does Risk Premium Matter?
Helps Compare Investments – It shows if the extra return is worth the extra risk.Used in Finance Models – Professionals use it in formulas like the Capital Asset Pricing Model (CAPM) to estimate fair returns.Encourages Diversification – By mixing assets with different risk premiums, investors balance safety and growth.
Types of Risk Premiums
Equity Risk Premium: Extra return expected from stocks compared to safe government bonds. Stocks are volatile, so the premium is usually bigger.Credit Risk Premium: Extra return for lending money to risky borrowers (companies or countries that may default).Liquidity Risk Premium: Some assets, like real estate or collectibles, are hard to sell quickly. To attract buyers, they must offer higher returns.Crypto Risk Premium: The crypto market is very volatile and unpredictable. While Bitcoin is seen as relatively safer, altcoins carry huge risks—like hacks, rug pulls, or regulatory changes—so investors expect bigger potential rewards.
How to Calculate Risk Premium
It’s simple.
Risk Premium = Expected Return – Risk-Free Return
👉 Example: If a stock is expected to return 8% and a government bond pays 3%, the risk premium is 5%.
This number changes with market conditions, investor mood, and the specific investment.
What Affects Risk Premium?
Economic conditions – Recessions or uncertainty push premiums higher.Market shocks – Crashes, inflation, or global events increase risk expectations.Investment traits – New, volatile, or hard-to-sell assets usually demand bigger premiums.Investor confidence – When markets feel stable, risk premiums shrink.
Closing Thoughts
The risk premium is a simple but powerful concept in investing. It reminds us that higher returns usually come with higher risks. By understanding it, you can make smarter choices, compare investments more effectively, and build a portfolio that matches your goals and risk tolerance.
At the end of the day, risk premium is about finding the right trade-off between safety and growth.

#RiskPremium #GregLens #EducationalContent

$BTC $ETH $BNB
كل قرار استثماري هو تنازل بين الأمان والمكافأة.

من جهة، لديك أصول مثل السندات الحكومية التي تبدو مستقرة وقابلة للتنبؤ. من جهة أخرى، لديك الأسهم، والعقارات، والشركات الناشئة، والعملات المشفرة - أصول تتأرجح بشكل كبير ولكن توفر إمكانية تحقيق مكاسب تغير الحياة.

فلماذا يختار أي شخص عدم اليقين على الأمان؟

تكمن الإجابة في مفهوم قوي واحد يدفع كل سوق مالية على الأرض:

👉 علاوة المخاطر.

---

📌 ما هو علاوة المخاطر (بعبارات بسيطة)؟