hard · Quantitative Finance

A quantitative researcher is using the Cholesky decomposition Σ = LL^top to simulate a vector of correlated returns x = Lz.

Why does the standard Cholesky algorithm fail if the estimated covariance matrix Σ is positive semi-definite (PSD) but not strictly positive definite (PD)?

  1. The lack of strict positive definiteness implies that the asset correlations are all exactly equal to zero, making the decomposition redundant.
  2. A positive semi-definite matrix has complex eigenvalues, which makes the resulting simulation vector x non-real.
  3. The recursive step for the lower-triangular entries L_ij requires division by the diagonal element L_jj, which is zero for singular matrices.
  4. The property x^top Σ x ≥ 0 is violated, preventing the matrix from having any valid square root decomposition.

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