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The Moment Generating Function (MGF) in Simple Terms


The Moment Generating Function (MGF) in Simple Terms
The Moment Generating Function (MGF) in Simple Terms

The Moment Generating Function (MGF) is designed to provide insights into the entire range of possible values of a random variable. It is a mathematical tool that captures information about the distribution of a random variable, including its moments (mean, variance, skewness, kurtosis, etc.).

Discrete Time

In discrete time, the random variable takes on distinct values at specific points or intervals. The expected value for a discrete random variable \( X \) is calculated as:


E[X] = \(\sum_{i} x_i P(X = x_i)\)


Where, \( x_i \) represents the possible values of \( X \), and \( P(X = x_i) \) is the probability of \( X \) taking the value \( x_i \).


Continuous Time

In continuous time, the random variable can take on any value within a certain range. The expected value for a continuous random variable \( X \) is calculated as:


E[X] = \(\int_{-\infty}^{\infty} x f_X(x) dx\)


Here, \( f_X(x) \) is the probability density function (PDF) of \( X \).

In both cases, the general idea of the MGF is to calculate the average value of the function \( e^{tX} \) with respect to the probability distribution of \( X \), where \( t \) is a real number representing a parameter.


Calculating the MGF

The Moment Generating Function is defined as:

\[ M_X(t) = \mathbb{E}[e^{tX}] \]

This formula represents the expected value of the exponential of the random variable \( X \) for all possible values of \( X \) across its entire range. By calculating \( M_X(t) \), we gain a complete picture of the distribution of \( X \).


Moments from the MGF

Moments of the distribution can be derived by differentiating the MGF with respect to \( t \) and evaluating at \( t = 0 \):

  • First moment (mean): \( E[X] = M_X'(0) \)
  • Second central moment (variance): \( \text{Var}[X] = E[(X - E[X])^2] = M_X''(0) - (M_X'(0))^2 \)

Differentiating the MGF provides the moments of \( X \), enabling us to calculate statistical properties such as the mean, variance, and higher moments.


Example: Stock Price Changes

Imagine you're analyzing the changes in the price of a stock over a given period. These changes are modeled as a random variable \( X \), which we assume follows a normal distribution:

\[ X \sim N(\mu, \sigma^2) \]

The MGF of a normal random variable is given by:

\[ M_X(t) = e^{\mu t + \frac{1}{2} \sigma^2 t^2} \]

By differentiating \( M_X(t) \), we can derive the mean and variance:

  • Mean: \( E[X] = \mu \)
  • Variance: \( \text{Var}[X] = \sigma^2 \)
The MGF \( M_X(t) \) summarizes the entire behavior of the random variable \( X \). By examining the MGF and its derivatives, we gain insights into how the distribution behaves across its entire range, not just specific values. In finance, this can provide critical information about stock price movements, risk management, and the dynamics of random processes over time.

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About the Author

 

 Florian Campuzan is a graduate of Sciences Po Paris (Economic and Financial section) with a degree in Economics (Money and Finance). A CFA charterholder, he began his career in private equity and venture capital as an investment manager at Natixis before transitioning to market finance as a proprietary trader.

 

In the early 2010s, Florian founded Finance Tutoring, a specialized firm offering training and consulting in market and corporate finance. With over 12 years of experience, he has led finance training programs, advised financial institutions and industrial groups on risk management, and prepared candidates for the CFA exams.

 

Passionate about quantitative finance and the application of mathematics, Florian is dedicated to making complex concepts intuitive and accessible. He believes that mastering any topic begins with understanding its core intuition, enabling professionals and students alike to build a strong foundation for success.