I also took the opportunity to reflect on myself: eight years after graduation, others have a successful career. What did I get in the bank? I feel even worse when I think about it, because I clearly know that my income in the bank over the past eight years is not bad, but it depends entirely on my performance and the completion of indicators. When the task is not well completed, my monthly salary is not as much as that of college graduates, instead of increasing step by step like my classmates.
Of course, it's not that banks are bad. At present, banks are still the main direction of employment for students majoring in finance. Banks also have many advantages that other private enterprises do not have: sound system, clear division of labor, perfect welfare ... It is also important to look "decent"! But there are advantages and disadvantages. The working environment of the bank is relatively comfortable. After a long time, people will not make progress and lose their core competitiveness.
Like asking me to resign now. I don't know what else I can do except jump into the same industry and continue my business. Because of so many years of banking practice, I mostly sell products mechanically according to the instructions of the bank, and my ability has not improved much. My biggest mistake is to choose comfort at the age when I should work hard. When I look back, the best time has passed. Although it is not too late to mend, it still lags far behind others.
If you get the offer from the bank, congratulations, because you beat many peers before being admitted, which shows that you are an excellent person. But don't think that choosing a stable job will be taken lightly, and self-appreciation should not only exist in the student days. In the ever-changing workplace, we should constantly improve ourselves and let ourselves have the ability to change our trajectory at any time.
Carrying forward professionalism is the primary productive force. Now there is a very popular word: "sideline is just needed", and articles about sideline in WeChat official account are often screened. It seems that I am embarrassed not to do some sideline work. I think many bank partners have had the same idea as me. But before you are professional enough, I don't recommend you to do sideline business. The financial industry, with strong professionalism, definitely earns more money than sideline business. The first thing employees in the financial industry should do is to improve their professional quality after work and cultivate themselves into "investment consultants".
Why should we improve our professional quality? Why major is better than sideline? Because you can benefit from two things:
1. Wealth appreciation
Not to mention how much money you earn for customers, you know more, and you can also create wealth for yourself through financial instruments. There are many kinds of investments in financial markets, such as wealth management, funds, bonds and stocks. Some minority investments also include gold speculation, futures, foreign exchange private placement and equity investment. If you are proficient in investing in a certain field, you can make money for yourself through reasonable asset allocation.
A colleague of mine has worked as a product manager for several years, and his salary has not increased much, but he has learned a lot of investment knowledge and experience. Up to now, the investment income is three times the wage income. Therefore, he doesn't care about any further drop in wages. Anyway, he has "passive income" from investment and financial management. When the environment is bad, or he wants to quit his job and change careers, he will not be as anxious as others.
2. Job-hopping to a professional organization
Some time ago, I read a recruitment information: the bank financial subsidiary recruits investment officers with high salary, with an annual salary of nearly 5 million. However, it is clearly written in the recruitment: people with bank background should not bother, and people with fund and securities background can chat privately.
I think this company will point this out because it knows that most bankers are mainly sales, and most of them are not so strong in professional knowledge. However, if you have accumulated enough professionalism in your usual work and quit to some private equity, funds, trusts and even investment banks, you will definitely be more confident.
There are many examples around me, because I like to study the market when I am a financial manager and have a unique view on the market. I easily jumped into a fund company to be a channel manager, and my salary increased a lot.