Course Project Latent risk index

Latent Risk Estimation in the U.S. Market Using Representative Variables

Heriberto Espino Montelongo, Owen Paredes Conde, and Pedro José García Guevara

2026

Summary

Poster project proposing a latent financial-risk index from representative global signals such as implied volatility, oil, gold, and the dollar index. The workflow combines dynamic factor modeling with penalized least-squares smoothing and Guerrero-style smoothness selection through validation.

$$ X_t=\Lambda f_t+e_t,\qquad \min_{\tau}\sum_t(R_t-\tau_t)^2+\lambda\sum_t(\nabla^d\tau_t-m)^2 $$

Context

Noisy market variables are compressed into a common latent factor and then smoothed into an interpretable risk-monitoring index.

Main contributions

  • Built a latent market-risk index from VIX, WTI, gold, and DXY-style financial variables.
  • Used a dynamic factor model to extract a common risk component from representative market signals.
  • Estimated a structural trend with penalized least squares and Guerrero smoothness selection.
  • Analyzed validation behavior, inflation relationships, and stress deviations around crisis periods.