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教育王國 討論區 選科選校 BSc(QFin)同BSC(ACT)出路邊科好D?
樓主: BS129
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BSc(QFin)同BSC(ACT)出路邊科好D?  

Rank: 3Rank: 3


346
發表於 20-5-28 01:18 |顯示全部帖子
本帖最後由 HL7646 於 20-5-28 01:27 編輯
kaion 發表於 20-5-28 00:23
精算方面其實HL7646都講晒但其實大學揀科可以淨係睇兩樣嘢

1. 難易度,派grade度

GPA 其實好緊要, 當你想重返校園讀master, 如果你GPA 低的話(<3.2), 基本上稍為好D 的科都好難入,
因為今時今日, 有唔少內地讀1/2線大學的同胞會申請黎HK 讀master, 佢地大部份人的GPA 平均都有3.6 或以上, 有唔少甚至係爆4, 小弟之前讀pt master 果陣, 好多內地同胞都係在本科畢業果陣GPA 爆分, 佢地full time 讀書, 個個都係學霸黎, 香港人好易比下去, 同佢地一齊拉curve, A range 多數都係佢地囉哂。

再者, 今年經濟差, 就業市場差, 好多畢業生都選擇bachelor 後直上Master, 變相多左人apply, 但學位又無增加, 所以好多人認為Master 俾錢就讀得, 個人唔太認同, 有D 科的admission 的競爭情況同DSE 考jupas 神科一樣, 都係講緊10-20人爭一個位。今時今日, 想讀Master 的門檻都提高左唔少。

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182
發表於 20-5-28 01:20 |顯示全部帖子
HL7646 發表於 20-5-28 01:11
你講花園道的PB, 我諗唔係ICBCI 就係citi 啦!
小弟之前in 的位, 就係corporate strategy and investment  ...
啊講錯花園道對面個皇后大道中先啱所以你都見到好難搵工ibanker揸住個7皮講真打個5折3萬5請個得一兩年經驗既細路唔會有幾多公司接受到

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346
發表於 20-5-28 01:30 |顯示全部帖子
kaion 發表於 20-5-28 01:18
其實你都大致上啱不過ops啊finance就未必真係差
以前一間一年請十幾二十個人
依家越請越少所以outsource到 ...
finance 部門的ibank 就做product control , mon 住trader D P&L.......但其實而家product control 的工都越黎越少, 見連X討論區有唔少ibank finance/ops 人係度叫哂春, 話唔好入行, 大家其實想知多D 投行的工作, 建議search "大投行 小人物"呢個blog,
裡邊的blog 主係做ibank Ops 的, 不過她有好多Insights 俾大家。

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182
發表於 20-5-28 01:42 |顯示全部帖子
本帖最後由 kaion 於 20-5-28 01:42 編輯
HL7646 發表於 20-5-28 01:30
finance 部門的ibank 就做product control , mon 住trader D P&L.......但其實而家product control 的工都 ...

我覺得入ops/finance呢d唔建議lateral去,要grad scheme入
grad scheme入比你rotate幾個地方加埋易揀team
而且唔會係海鮮價
轉工入去個班有啲5年經驗都冇5萬

我朋友做ops, rotate咗去coo office做project planning又做過balance sheet management (雖然呢個應該係finance)
傳統幫s&t執頭執尾個班就唔好啦
好似幫trade睇數唔通睇到做d/md咩
但係比你入coo office個班雖然係back office但都算做business planning
其實聽job nature都知邊d好唔會outsource邊d冇前途

不過我唔係做bo唔清楚啦

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12213
發表於 20-5-28 09:33 |顯示全部帖子

回覆樓主:

有幾位時常出鏡的餐廳老闆,名廚也是 ex i bank, 之前賺夠,之後追夢

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346
發表於 20-5-28 10:29 |顯示全部帖子
本帖最後由 HL7646 於 20-5-28 10:30 編輯
kaion 發表於 20-5-28 01:42
我覺得入ops/finance呢d唔建議lateral去,要grad scheme入
grad scheme入比你rotate幾個地方加埋易揀team
...

COO office 而家有D 投行裡邊會有corporate and real estate services team, 可以做埋銀行內部的facility management, business planning 等,
例如如何制定BCP, 做financial analysis, 未來幾年應該租邊個office, 點樣同業主傾leasing contract contract 好似都係CRE/COO office 入邊可以涉獵, 感覺上ib ops 似係做project mgt 多D

小弟有位前GS 的高層朋友去左HKEX 度做高層, 外國人, 做product control 出身, 而家去做risk man。

但我年紀都大啦, 都入唔到graduate scheme 吧!

off topic 少少, 我有機會入保險公司做精算, 感覺上無做ibank/buyside 咁大壓力。人工方面, 個人唔係為搵大錢, 做到中產就得, 長遠入唔入返big4 做精算就睇際遇吧!

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100108
發表於 20-5-28 14:22 |顯示全部帖子
HL7646 發表於 20-5-27 22:25
陳sir 你講的Ibanker 轉行做醫生的故事, 小弟都聽過, 不過當事人好似係一位女人, 而且仲要係有左仔女才去 ...

我听的版本是这样,重点在 second chance.
God grant me the serenity
to accept the things I cannot change;
courage to change the things I can;
and wisdom to know the difference.

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100108
發表於 20-5-28 15:03 |顯示全部帖子
几位有经验的网友分享自己经验,対我这些非 iBank 出身的家长算是多了解,长知识!

我几年前问过儿子为什么不考虑 iBank,反而考虑 MNC 的MT和Big4 Advisory,现在听大家的分享,他当时的決定又算合理,正如两位所讲你想先甜后苦,抑或先苦后甜!他个人希望balances life ,唔好咁快 burnout,五天工作,朝九晚六点半就可以。

另一点我听儿子分享是他现在的工作性资,行业多样化又係初哥最需要的,毕业头几年又真係学到不少知识及经验,同样是 Analyst 在投行反而会窄咗。

他的senior 好多被挖都係去 PE fund,或者 Corp,出去人工起码高三成到一倍,轉工工作性质都算阔。

*****

讲多一点有关 Excel skills ,儿子的前任老细讲,香港个个人都话自己 Excellent Excel skills,在他眼中 Audit and finance  出身的 Excel 是小學雞,所謂 Finance  modelling 經验係入唔到佢法眼。他都講如果可以嘅話,就唔駛搵 Big 4 去砌個 model,自己 Finance Dept 或者 Finance Office 去砌就可以!

現在 Finance Model 及 Valuation 走緊去Al,當然不會是所有项目都適用。
God grant me the serenity
to accept the things I cannot change;
courage to change the things I can;
and wisdom to know the difference.

Rank: 3Rank: 3


182
發表於 20-5-28 18:55 |顯示全部帖子
回覆 ANChan59 的帖子

我覺得你個仔去pe fund裡面嘅big 4 senior算短視建議你個仔唔好跟佢哋呢啲佬

所謂嘅做corporate finance搞ipo即係ibank
但big 4人所講嗰啲搞ipo嘅corporate finance唔係大投行
係d細嘅係香港幫人教上市嘅證券行

而pe都係好多細細間幾億美金嘅基金仔

呢啲工其實就係ibanker嘅剩餘選擇
只不過ibanker係係大證券行做corporate finance
big 4 advisory去細行
pe都係,ibanker去mega fund (不過一間一年請得2,3個ibanker)
big 4去細fund

呢d工人工會高過big 4人工
但冇其他選擇
一入去就呢世做一個咁窄嘅行頭
一個唔好彩比人炒好難搵到正常嘅工
同ibank一樣比錢買前途

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346
發表於 20-5-30 17:14 |顯示全部帖子
kaion 發表於 20-5-28 18:55
回覆 ANChan59 的帖子

我覺得你個仔去pe fund裡面嘅big 4 senior算短視建議你個仔唔好跟佢哋呢啲佬

其實做ibank, 尤其是FO, 真係好易burnout, 想轉入corp 度做management / strategy/ business development 的位, 如果呢D 公司本身係有MT/GT programme, 佢地多數都寧願升個inhouse 親生仔女先, 人地MT/GT 做過公司唔同的部門/team, 講technical/公司fringe benefits/strength, 佢地一定熟過你。同埋你囉開高人工, 轉去低人工, 真係好難說服到個HR (佢地怕你做唔長), 但佢地如果係搵公司內部MT/GT/其他existing staff 升上去, 人工加左一個range, 佢地都開心到爆啦!加上黎緊呢幾年, 經濟差, 公司應該好少會肯用大手筆 (講緊係70K 或以上)去請一個ex-IBD 去做corp fina/strategic development (in-house).

Ibank FO 係好睇唔好食.....反而big4 advisory/audit, 雖然係辛苦, 但真係先苦後甜。

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346
發表於 20-5-30 17:27 |顯示全部帖子
kaion 發表於 20-5-28 00:07
其實ibd出身見inhouse呢啲工有著數多數係好多年前/外國嘅情況依家呢個年代已經冇呢個著數甚至係缺點
基本上 ...

小弟家姐做PB (Front line RM), 佢老公又係做PB (COO office), 加埋搵的錢唔少。同埋做PB 前線的壓力係跑AUM, 有家底(或者大陸叫的"有資源")的優勢好大, 至少無IBD 咁易burn out, 而且搵的錢無上限。但做PB 的前線, 真係要好talk 得, 好識睇得眉頭眼額, 口才又要好, 又要厚面皮, 女仔的話樣靚身材正有着數 (講緊係要港姐3甲果種級數)。

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346
發表於 20-6-21 02:20 |顯示全部帖子
kaion 發表於 20-5-28 01:20
啊講錯花園道對面個皇后大道中先啱所以你都見到好難搵工ibanker揸住個7皮講真打個5折3萬5請個得一兩年經驗 ...

off topic 俾大家少少updates,

小弟而家去左一間保險公司度做contract analyst, 中後勤職位, 公司裡邊係有M&A and strategy 的部門, 但因為而家經濟差, 公司CEO 最近要搵人做M&A pre-acquisition assessment project(s)/business planning, 都無budget 去請出面D ibanker /big4 advisory 黎做, 反而係在唔同的BU 度搵一D department head/Director grade , 同埋有relevant knowledge/skillset 的人去做M&A project, 例如在精算/risk man/finance/investment/business transformation/compliance 等部門各自派代表出黎去做呢個project。佢地好多都係好有經驗, 識的野比純做ibank 出身的人多好多, 夠domain industry knowledge, 又有實戰經驗, 做出黎的deliverable 可能好過一個ibank 出黎的IBD 人士。論modelling, 精算師未做過leverage buy-out, 但數學勁, 轉數快要學好快學識, budget 上唔會有公司捨得花70K 或以上去請一條友返黎剩做M&A/strategy 的工作, 咁樣係非常唔符合經濟效益。

有唔少大公司, 佢地有靚位, 多數都係搵親生仔做先........小弟而家做緊條team, 如果轉到perm, 人工好過big4 唔少, 但差過做ibank.唔算好多.............條team 幾chill.........工時唔算長..........

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1237
發表於 20-6-21 17:32 |顯示全部帖子

回覆樓主:

本帖最後由 ratafan 於 20-6-21 17:38 編輯

In an M&A deal, the role of big 4 is more on advising deal structure and tax implications , as well as presentation of past financial information. Ibanker is acting as a bridge between client and counter party’s banker. They would be good at better presenting financial models based on client’s assumption. But sometimes if client is competent enough , most of that work is actually done by client. No matter your major, good numerical sense and strong communication skills are necessary. I think both Q fin and Acct major would equip you with very basic accounting knowledge necessary to structure a deal successfully. Basic accounting and finance background very much essential to make a deal successful as you need to comply with reporting requirements when presenting the numbers and hence coming up with proper valuation.

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1237
發表於 20-6-21 17:43 |顯示全部帖子
At big 4 , they usually split the teams according to industries. Financial services is a specific division which is very specialised in banking and insurance industry and the skill set is very niche and specific. You learn all the basics during the first 2-3 years. Many senior associates or manager use that as springboard to jump into investments banks.

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1237
發表於 20-6-21 17:51 |顯示全部帖子
Pay scale of big 4 is very transparent. Like someone says before, with 5-6 years experience (audit) , one normally has been promoted to manager and annual remuneration is around $500k. Then if you decide to switch to commercial firms, they usually offer performance bonus which is tied to business performance. Within 5 years you can surely reach 1m a year. By the time you retire , normally you can command $2-3m a year (based on current index). Not a lot of money (in fact a big gap vs u work as a top investment banker ).
If you decide to stay at big 4 and make partner, you can earn as much as  $4-6m a year near the time of retirement depending on seniority .

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1237
發表於 20-6-21 18:00 |顯示全部帖子
HL7646 發表於 20-6-21 02:20
off topic 俾大家少少updates,

小弟而家去左一間保險公司度做contract analyst, 中後勤職位, 公司裡邊係 ...

完全同意,公司內部有經驗的同事做的model 更準確,以我經驗,內部一個有能力的CFO及legal Counsel 比出面advisor 更能幫公司strike the best deal. Consultant 角色通常是幫你look professional嚇吓人, 他們實際的功力不多。當然有名的top legal advisor是成個deal 的靈魂

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1237
發表於 20-6-21 18:04 |顯示全部帖子
The reason why life in ibanking is so tough is that most deals hv very short time frame, both parties (seller and buyer) want to make a deal ASAP as if it drags, the valuation would change.

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1237
發表於 20-6-21 18:13 |顯示全部帖子
poonseelai 發表於 19-12-10 20:23
入big 4 也一定做audit, 仲有taxation and consulting。consulting 範圍可以好濶,除了做deal, m&a, 仲有 ...

Good summary. But if you concentrate on audit, you can also participate in all the rest like IPO and M&A and work closely with tax team through which you also learn some tax planning skills. If you concentrate in tax team, I think it is relatively less dynamic and very much compliance focused ( mainly responsible for tax filing which is rather routine). Just my 2 cents.
If lucky enough , you can also work on PE funds audit and support them in business process review.

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12213
發表於 20-6-22 07:32 |顯示全部帖子
ratafan 發表於 20-6-21 17:51
Pay scale of big 4 is very transparent. Like someone says before, with 5-6 years experience (audit)  ...

2-3m? 我相信我認識近退休人仕同這個差好遠好遠,少好多好多

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1237
發表於 20-6-22 08:33 |顯示全部帖子
poonseelai 發表於 20-6-22 07:32
2-3m? 我相信我認識近退休人仕同這個差好遠好遠,少好多好多

我指表現相對出色的,按照薪酬調查,如果是有經驗CFO,平均起碼也會有1-1.5m一年嘅
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