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0.01 USD Expected Value in a Discrete Distribution

A random reward pays 1 USD with probability 0.01 and 0 USD otherwise; what is the expected value in USD, and why does it equal 0.01 USD?

Subject: Statistics Chapter: Discrete Random Variables and Their Probability Distributions Topic: Mean of Discrete Random Variable Answer included
0.01 usd expected value mean of a discrete random variable probability distribution Bernoulli random variable payoff expectation linearity of expectation probability mass function
Accepted answer Answer included

0.01 USD as an Expected Value

Consider a simple discrete random variable \(X\) (measured in USD) that represents a reward: \(X = 1\) USD with probability \(0.01\), and \(X = 0\) USD with probability \(0.99\). The expected value (mean) \(E[X]\) is the long-run average reward per trial.

Direct result: \(E[X] = 0.01\) USD

The unit “USD” stays attached to the mean because expectation is a weighted average of outcomes measured in USD.

Step 1: Write the probability distribution

Outcome \(x\) (USD) Probability \(P(X=x)\) Contribution \(x \cdot P(X=x)\) (USD)
\(1\) \(0.01\) \(1 \cdot 0.01 = 0.01\)
\(0\) \(0.99\) \(0 \cdot 0.99 = 0\)

Step 2: Apply the definition of expected value

For a discrete random variable, the mean (expected value) is the probability-weighted sum:

\[ E[X] = \sum_x x \cdot P(X=x) \]

Substituting the two outcomes:

\[ E[X] = 1 \cdot 0.01 + 0 \cdot 0.99 = 0.01 \]

Since \(X\) is measured in USD, the expected value is 0.01 USD.

Step 3: Interpretation of 0.01 USD

The value 0.01 USD is not the most likely payout (the most likely payout is 0 USD). Instead, it is the long-run average payoff per trial: over many independent repetitions, the average reward approaches 0.01 USD per attempt.

Visualization: Probability mass function (PMF)

Outcome \(x\) (USD) Probability \(P(X=x)\) 0 0.5 1.0 0 1 \(P(X=0)=0.99\) \(P(X=1)=0.01\) Discrete PMF for a reward with mean 0.01 USD
The distribution is heavily concentrated at 0 USD, but the probability-weighted mean equals 0.01 USD.

Quick check: If the reward is 1 USD only 1% of the time, then the average reward per attempt is 1% of 1 USD, which is 0.01 USD.

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