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glossary

What is Risk of Ruin?

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Quick answer: Risk of ruin is the probability that an ordinary run of losses wipes out your capital before your edge has time to show. It combines risk percentage, win rate and account size into one question: will I still be trading long enough for my system to work?

Ordinary streaks run longer than you expect

A losing streak is not exceptional bad luck but an expected outcome. In a system whose win rate is 40%, five consecutive losses have probability 0.6 to the fifth power, about 7.8% — roughly once in every thirteen sequences. Seven in a row occurs 2.8% of the time, which is near-certain across hundreds of trades.

So the question is not whether the streak arrives but what remains of the account afterwards — and that is determined by risk per trade alone.

The same dollar through each control

The reference account for this family: $1,000, risking 1% — $10 a trade — on 0.01 lots of gold, where $1 of price is $1 of money. A $10 stop distance is therefore exactly 1% of the account.

Every page here follows that same dollar through a different control: how much I risk, when I remove the risk, and how many losses the account can absorb before it is finished.

The formula

Capital after n consecutive losses = balance × (1 − risk%)^n

A worked example

The reference account of $1,000 and a run of ten consecutive losses — an ordinary event in any system:

  • At 1% risk: $904 remains — a 9.6% drawdown, needing 10.6% to recover.
  • At 5%: $599 remains — a 40% drawdown, needing 67%.
  • At 10%: $349 remains — a 65% drawdown, needing 187%.

Same system, same streak; only the risk percentage changed. The first trader continues almost unaffected, the third is effectively finished — which is what it means to say risk decides survival rather than edge. See drawdown.

Common mistakes with this term

  • Assuming a positive edge is enough to survive, when a high risk percentage ends the account before it can work.
  • Reading a losing streak as a broken system, when it is an expected statistical outcome.
  • Raising size after losses to speed recovery, which raises the ruin probability rather than lowering it.

Frequently asked questions

How do I lower my risk of ruin?

Three levers, in order of effect: lower the risk percentage per trade, raise the system's expectancy, and avoid correlated positions that move together and therefore behave as one large trade — noting that hedging does not reduce this risk but freezes it while the costs continue. The first acts fastest and is the easiest to apply.

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⚠️ Educational content, not financial advice. Trading is high-risk; past performance does not guarantee future results. Risk Disclosure