Introdução
Pode levar várias centenas de horas para obter o credenciamento de analista financeiro fretado. E, é claro, a realização das horas não oferece garantia de sucesso. Você ainda precisa passar nos exames. E quem deve realizar essa jornada cansativa?
So given the effort and risk involved, what benefits does a CFA bring? And who should undertake this gruelling journey?
É um passaporte para uma função lucrativa de gerenciamento de ativos, independentemente da sua carreira atual? Ou é a preservação de gerentes de fundos e analistas de investimento?
O que o curso CFA cobre? Finance
The CFA course focuses on 10 main topics:
- Ethical and Professional Standards
- Quantitative Methods
- Economics
- Financial Reporting and Analysis
- Corporate Finance
- Investimentos de patrimônio líquido
- Renda fixa
- Derivativos
- Investimentos alternativos
- Gerenciamento de portfólio e Planejamento de patrimônio
O assunto aumenta na complexidade à medida que você se move através de três níveis principais, cada um requerendo de uma hora de passar o assunto. Áreas e análise simples usando ferramentas de investimento. A inscrição no CFA é um diploma de bacharel ou equivalente. No entanto, as isenções podem ser feitas se você estiver no último ano do seu programa de graduação ou tiver quatro anos de experiência profissional. A taxa de registro cobre o custo de uma versão eletrônica completa do currículo, questões práticas e exames simulados. Veja um aumento direto e significativo no seu salário em comparação com outras qualificações, por exemplo, MBA, IMC, COI, etc., portanto, oferece um bom retorno do investimento
Level One – Basic knowledge of the 10 main topics’ areas and simple analysis using investment tools.
Level Two – Application of investment tools and concepts, focusing on the valuation of all types of assets.
Level Three – Synthesis of all concepts and analytical methods in a variety of applications for effective portfolio management and wealth planning.
What do I need to apply for the CFA?
The pre-requisite for enrolling in the CFA is a bachelor's degree or equivalent. However, exemptions can be made if you are in the final year of your undergraduate program or have four years of professional experience.
How much does the CFA cost?
The standard registration fee costs around $1,000 (you cannot pay in any other currency), although discounts are available for early registration. The registration fee covers the cost of a full electronic version of the curriculum, practice questions and mock exams.
What are the benefits of gaining the CFA qualification?
The benefits of a CFA are said to be manifold:
- It enhances your career prospects, boosting your CV and providing you with knowledge central to the investment industry
- You are more likely to see a direct and significant increase in your salary compared to other qualifications, e.g. MBA, IMC, IOC, etc. It therefore offers a good return on investment
- Como uma qualificação com reconhecimento global, ajuda a abrir a oportunidade de trabalhar no exterior
, mas o CFA para todos?
A relevância de um CFA depende muito do caminho que você adotou até agora. As posições relacionadas ao CFA incluem analistas de pesquisa, analista de investimento, risco de investimento, estratégia financeira, gerente de fundos de clientes e, é claro, portfólio ou gerente de fundos. O CFA certamente não é um ingresso de ouro para um papel de front office. Mas para a pessoa certa na empresa certa, às vezes pode fornecer uma ponte. Realmente depende das suas próprias circunstâncias individuais. Marketing, ele-sacrificar o tempo e o dinheiro na busca de um CFA poderia ser amplamente em vão. Certificado (IMC). São cursos mais curtos e mais baratos. E eles não o tornarão super -qualificado para sua posição atual.
A move from a back or middle office role to an investment-focused one is not unheard of, but it can be rare.
This is in contrast to graduate or trainee front office programmes, where the completion of a CFA is normally included as part of the training.
Traditionally, CFA-related positions include the likes of research analyst, investment analyst, investment risk, financial strategy, client fund manager and, of course, portfolio or fund manager.
Tellingly, many asset managers make the CFA a prerequisite of any successful client fund manager candidate.
Who shouldn't do the CFA?
This is a difficult question to answer. The CFA is certainly not a golden ticket to a front office role. But for the right person in the right company, it can sometimes provide a bridge. It really depends on your own individual circumstances.
If your current role is quite generic within a business and not directly related to investments – e.g. marketing, IT – sacrificing time and money in the pursuit of a CFA could largely be in vain.
Worse still, you could find yourself between two stools: over-qualified for your current job but unable to make the step up to something more in keeping with your shiny, new CFA.
If this is the case, we would advise you to pursue an Investment Operations Certificate (IOC) or an Investment Management Certificate (IMC). These are shorter and less expensive courses.
Doing one or both will give you a better idea if the CFA path is for you and your ambitions are realistic. And they won’t render you overqualified for your current position.
Quando devo fazer o CFA? A vantagem disso é que seu empregador pagará a fatura. Mas também seu talento - depois se inscreva para o seu CFA assim que o tempo e o dinheiro permitirem (é improvável que você receba 100% de financiamento). Não é algo que você pode fazer quando estiver no papel. Atualmente, o CFA é um pré-requisito para a maioria das funções de front office em quase todos os gerentes de ativos. Por pelo menos seis meses, você terá que sacrificar a vida fora do trabalho. E se você é autofinanciado, é uma quantia significativa de dinheiro. Portanto, pense seriamente antes de empreendê -lo. Você não apenas terá o conhecimento certo, mas também demonstrará um enorme compromisso de cumprir suas aspirações de carreira. Pode não garantir um trabalho, mas pode ajudar suas chances bastante. Ltd.
If you are lucky enough to have secured a front office trainee role, the CFA will probably form a compulsory part of your career development. The advantage of this is that your employer will foot the bill.
A word of caution, however: the cost of any resits may fall on you and if you leave the company within a certain time-frame you may be asked to repay some or all of the original fee – this can run into thousands of pounds.
If you are currently in a back office or middle office role but you’re adamant a front office career is for you – based on not just your ambition but also your talent - then enrol for your CFA as soon as time and money allows (it is unlikely you’ll receive 100% funding).
Many candidates make the mistake of believing they can do their CFA once they’ve secured a front office position.
Strangely, this is a common misconception among more rather than less experienced applicants. It’s not something you can do when you are in the role. Nowadays the CFA is a pre-requisite for most front office roles in nearly all asset managers.
Is the CFA really worth it?
The CFA is a hard, hard qualification to obtain. For at least six months you’ll have to sacrifice life outside of work. And if you are self-funding, it’s a significant amount of money. So think seriously before undertaking it.
If you pass but don’t quite secure your dream role, the CFA can still help with a lateral move – containing as it does economics, financial reporting, corporate finance, ethical and professional standards, etc.
And if you are lucky enough to find yourself in the running for a front office role, you will be in a much stronger position. Not only will you have the right knowledge but you will be demonstrating a huge commitment to fulfilling your career aspirations.
And at interview, explaining you would like to do a CFA is nowhere near impressive as saying you’ve done it.
In short, if your dream is to work in a front office role, the CFA is for you. It may not guarantee you a job but it can help your chances greatly.