Article: Investments - Seeing The Blind Spot: The measurement of standard deviation does not discriminate between upside and downside volatility.

It's common to use standard deviation of return as a measure of mutual fund risk. Very simply, if two funds have a similar standard deviation of return, they are assumed to have comparable risk. Standard deviation measures the amount of volatility in the historical returns of a mutual fund (or stock, etc.). The standard deviation of return provides a sense of how much "spread" exists in the year-to-year returns that make up the three-year average annual return, five-year average annual return, 10-year average annual return, and so on. The larger the standard deviation of return, the greater the spread of returnsboth up and downaround the mean.

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