Days will pass silently in an instant, and new jobs and challenges will be ushered in. Now let's make a good plan. Do you know what kind of career plan suits you? The following is the fund manager's career planning book I compiled. Welcome everyone to learn from it, I hope it will help you.
I. Introduction
Everything is established in advance, and it is abolished if it is not foreseen. When I am about to graduate from college, this career plan is very urgent and important. June 20xx is a historic turning point for me, because as a mechanical major, I made a big decision: I will take a master's degree in finance in the future and become an excellent fund manager. It's May 20 19. After a year, I have determined my goal. I have been thinking about my future work almost every day this year. How I yearn for it. Although during this year, my family advised me not to engage in finance, my girlfriend also opposed me, saying that I was too old after the postgraduate entrance examination and it was too risky to engage in finance. But these didn't shake me. It was their opposition to me that made me realize how much I like finance and securities investment.
Interest is the best teacher. If you are interested in a certain line of work, and it happens that your work is your interest, then you will go to work happily every day, and you will wake up every morning full of energy and can't wait to go to work. What a happy thing! The most important thing is that interest will guide you to keep learning this industry. This kind of learning is active learning and this kind of learning is happy learning.
Second, self-awareness.
If I take the post of fund manager in the future, my current disadvantage is that I started four years late. For those students who have studied finance since my freshman year, I am backward. I am definitely not as rich and solid in professional knowledge as a financial student now, but I am confident that I can make up four years of knowledge in two years, and I know that my greatest advantage is that I like this major and this field, which enables me to walk on this road for a long time. To solve the current backward problem, it is necessary for me to study financial professional knowledge in my spare time from now on, and then I will be admitted to the Master of Finance in these two years. This can not only make up for my lack of professional knowledge, but also make my education more competitive.
I am a steady and introverted person, and I am an enterprise-oriented, transactional and research-oriented person. I think the position of fund manager is very suitable for people of my character.
In terms of actual combat experience, I may be more experienced than my peers, which is also my great advantage. High school began to contact stocks, and freshmen bought and sold stocks and funds. Now I have four years of experience.
Third, the occupation analysis
Fund managers generally require a master's degree or above in finance-related majors, and have a good mathematical foundation and a solid economic theory foundation. They will be more competitive if they have overseas study experience or have obtained CFA certificate. Each fund is decided by a manager or a group of managers, and the investment portfolio is selected according to the investment objectives of the fund specification and determined by the investment strategy of the fund manager. The actual combat ability of investment, that is, investment performance, determines its influence and salary return in the industry. Each fund is decided by a manager or a group of managers. The investment portfolio is selected according to the investment objectives of the fund prospectus, which is determined by the investment strategy of the fund manager.
Fund managers generally require a master's degree or above in finance-related major, with a good mathematical foundation and a solid economic theory foundation, and more importantly, the investment performance of a certain scale fund in the past. Fund managers need to have strong quantitative analysis and investment forecasting ability, and can make the combination with the most appreciation space and potential in various investment projects; We must also have strong risk control ability and pressure tolerance. Fund managers usually require long-term "practical experience" in the securities industry, especially in investment, that is, the past investment performance of a certain scale fund is an important condition for whether they can be fund managers. In addition, we must have strategic thinking, sensitivity to market changes, international vision, forward-looking investment vision and good professional ethics.
Fund managers have become a very important reference index when fund investors choose funds in China. There are nearly 100 fund management companies and hundreds of funds in China. If each fund is counted as a fund manager, the talent of fund managers is basically in short supply. However, "returnees" professionals are no longer valued as before, and fund companies pay more attention to their past achievements in the domestic market. Fund managers can be described as elites with first-class quality, and most of them are concentrated in the "ideal age group" of 30 to 35 years old. At present, among the teams of domestic fund management companies, talents with bachelor's degrees are rare. "Master traders and doctoral analysts" are the team combination of most fund management companies. However, judging from the history of the development of China's securities market, the fund industry and fund managers are obviously very young, and the selection process lacks certain rigor, which leads to the mismatch between the investment ability and positions of some fund managers, which needs to be honed repeatedly through bull market and bear market.
To become a fund manager, you should first start from the finance major, then enter the securities industry (securities companies, investment departments of insurance companies, futures companies and other investment institutions) and engage in basic work such as research, analysis and trading. After several years of tempering, you will gradually transition to the job of assistant fund manager. These are potential ways to be promoted to fund manager. A fund manager can become the investment director and vice president of a company in charge of investment, work in parallel in other companies' institutional departments that need investment, or set up independent investment institutional participants.
At present, China's capital market is facing fierce competition. Fund managers are at the forefront of their careers and change very frequently. Just like a gladiator, it is difficult to have a winning general. In China, on average, one third of fund managers are eliminated every year, which shows that investors and institutions in China have strong requirements for investment returns and little tolerance for short-term fluctuations. Therefore, there are some quick success factors in the assessment of fund managers, which also reveals that the selection of some fund managers is not based on actual investment ability. This is cruel to some fund managers who have great responsibilities and are often in danger.
The report shows that the total annual salary of fund managers in China is between 600,000 and 2.5 million yuan, a large part of which is bonuses, which are distributed according to performance rankings.
Fourth, the industry prospects
To grasp the future development of China's financial industry, we must have a deep insight into the development trend of the financial industry and follow the trend. There are four major trends in the future development of the financial industry. First of all, China's finance must be open. The next step is to reform the RMB exchange rate system steadily, quietly and firmly. With the continuous strengthening of China's economic strength, the continuous improvement of technical level, the continuous improvement of contractual spirit and legal level, the long-term credit of RMB has a solid foundation. In the future, as a global power, China will strive to become a global financial center. Second, financial technology will be widely infiltrated. New technology will profoundly affect financial genes, thus changing the financial format. Commercial banks don't have to be big, and they don't have to have physical stores. In the future, the new format will overcome the time and space constraints of traditional financial institutions and greatly improve financial efficiency. At the same time, supervision should also keep pace with the times. Thirdly, the disintermediation trend in China's financial market will accelerate, and financial institutions should understand this trend and keep up with the changes. China's capital market will surely develop rapidly in the future. Fourthly, financial diversification in China will exist objectively and will continue to develop. Financial institutions should be encouraged to innovate financing tools to better serve the real economy. At the same time, the innovation of financial format should be doubly protected, because the development of enterprises is cyclical and different financial systems are needed to help them spread risks. In addition, to strengthen the effectiveness of macroeconomic policies, it is necessary to cut taxes substantially. The important function of macroeconomics is countercyclical adjustment. With the economic downturn, enterprises should get more profits and reduce costs.
Verb (abbreviation of verb) personal finance view
Many people think that the major of finance and economics is a virtual major, and they always think that scientists who have developed all kinds of sophisticated equipment can contribute to the country and society, but what I want to say is that this major is not empty at all. If you look at the Sino-US trade war last year and this year, you will know whether finance is a virtual major. Now that the country's military strength is developing rapidly, there is little possibility of another world war. The current war is not only a military war, but also an economic trade war. Soros attacked Hong Kong in the financial crisis of 1997. If our country does not attach importance to and develop finance, Hong Kong's economy will go backwards for at least five years in that war. Just look at Thailand's domestic economy after its defeat. Economy and finance are an invisible hand that can crush a country invisibly.
Finance plays an important role in domestic economic development. With the financial market, the domestic capital flow is accelerated, which can make the funds better distributed to the places where they are needed. The development and growth of domestic large and small enterprises cannot be separated from financial support for them. In a small room, a family that knows how to manage money and can't manage it will have a huge wealth gap after a long time. Therefore, finance is not what everyone says is useless. As long as you know more about this knowledge, you will know the importance of finance.
Abstract of intransitive verbs
Although this road is also full of difficulties and fierce competition, since I have chosen a distant place, I only care about the hardships. At this moment, I remembered what my good friend said to me: Don't choose the easy road, choose the one you like!
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