Miccolis Variance formula

I'm getting stuck on the support for the risk load. Bahnemann/the wiki write

Var(S)=E(N)Var(X;L)+Var(N)[E(X;L)^2]

Isn't S = X*N? If so, isn't Var(S) = Var(XN) = E(X^2)*E(N^2) - [E(X)^2]*[E(N)^2] = [E(N)^2]*Var(X)+Var(N)*E(X^2) ?

I'm not able to get to Bahnemann's equation.

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