18岁的CFA学习并寻找大学前实习
为了保持这一简短
I'm an 18-year-old gap year student attending university in London in September to study economics, and would like to venture down the investment banking pathway and so I already know how important it is to get ahead of the game.
My first question is: is 18 too young to start studying theCFAexam content (bear in mind I know that I cannot actually take level 1 until the final year of university)? I've read other articles similar to this - one article regarding a 15 year old - and saw people commenting things like "enjoy childhood" and "your work isn't going anywhere go out with your friends and have fun while you can". I get that. I really do. But thanks to a deadly, highly contagious virus I couldn't do anything fun in my gap year, and although I haven't got long before I get to university I want to do something productive for the remainder.
I've already started reading up on some of theCFAcontent (e.g. fixed income, quantitative finance, economics, etc.), and I do have a genuine interest for these things (and I get that sounds weird, but I've always been a bit of a nerd).
My other question was regarding internships. Can I a CV-worthy internship as a gap year student? Or should I just wait till I reach university?
任何人的任何回应都将不胜感激。我只是仅注册了此网站，所以我仍在尝试习惯其功能。
Thanks a bunch!!!!!!!!!!
Comments (14)
tbh before uni starts there's not much you can do lol. I don't know why you're looking at theCFA根本when you literally don't need to do it in order to get a job in investment banking unless you mess up in university and don't get any springs/internships which converted. This is like preparing for failing the entire undergraduate journey towardsIB在开始之前，我想。您说您要去伦敦大学学习经济学，这意味着实际上只有3所（阅读：2）大学IB可行的,我不能保证如果压力可行nce more oxbridge applicants to any one spring week will get rejected than get the actual offers and the same is true of all unis, The universities being; UCL andLSE因为它们是用于投资银行业务的核心目标学校，并且快速的LinkedIn搜索万博app网页版将向您表明他们倾向于进入FOmore than some of the other target schools (oxbridge) - although wayyyyy more people from UCL andLSEapply to these lol. If the university is KCL, which is a semi target, you can still absolutely get in without theCFAbut might get less interviews and such for springs/summers.
Other non-target london universities will be a tough sell but is still doable, especially if you're really driven and fit diversity quotas nicely. -If not then thinking about post grad courses at targets would maybe be sensible but theCFA真的不会使您受益，您正在申请IBthrough university schemes like summer internships and that. If you have decent grades at A-level; A*AA/AAA+ and aren't going to a target I'd reapply, even for a course that isn't economics. Schools like UCL do contextual offers too but if you're relying on them you won't get past CV screens for springs anyway. What you can do now: raise commercial awareness - your main target is spring weeks which you will apply to in october at all the big banks, I'm assuming you're not interested in proprietary trading/quant so no need to do mental maths/大脑预告片要准备FTsemi-regularly. Work experience isn't important for springs, the application process is quite standardised ==> CV(format correctly) and go to a target school ===> basic pyschometric tests and then the major hurdle =interviews.
The only work experience that would help you are theones thatJPmorgan,Morgan Stanleyand罗斯柴尔德+ some quants organise for sixth form students that fast track you towards a spring week so you can skip the applications in first year but the deadlines for ALL of these passed some time ago. Get to uni, join societies, read up. Why investment banking? Who are the clients? WhichFOrole do you want? These are the questions you need to know the answers to now in order to be reasonably prepared. Also,IBisn't as well paid as you might think and i hope you either love the job enough to stay after you finish your first 2 years and get to associate or have a clear idea of where you want to go into after (i.e the more lucrative side of finance such asHFS,PEetc) maybe corp dev?
thank you so much for this it really helped!
I also should've mentioned that it was KCL, I got A*AA in my A-levels (Chem, maths and econ respectively if that makes a difference which I doubt it does), and I'm British Asian if it improves their diversity image lol.
英国亚洲人在技术上是bame，但在工作场所中并不是极端的少数派，因此可能不会有太大帮助。无论如何，您都会去KCL，所以这应该不是一个大问题。
Look at this: https://drive.google.com/file/d/1n1vLYhVzGB_g7_eJKCebn21C8dyb7x5r/view (only look atIBsince you're not interested in consulting and stuff) and decide whether or not KCL is fine with you or if you should reapply.
请请不要开始修改CFAbefore you've even started Uni. This is becoming insane now with you kids ffs
Why though? I have nothing better to do for the remainder of my gap year other than watch Netflix and get drunk so what's so bad about getting ahead of the game?
because you don't even need theCFA。。。
我的2美分 -
Pros of getting CFA:
1) If you want a job in IM/AM- 不是IB。
2) If you want to distinguish yourself from others (regardless of the job). This is the most common reason for getting theCFA。It is not needed - just looks better.
3）如果您在本科生中挣扎并想通过硕士赎回自己/MBA-CFA将提高您对招生委员会的个人资料。
Cons:
1) People seeCFAas a replacement forMBAif you want a IM/AMjob.
2)CFAis not as lucrative as people think. For Finance students -CFAis not a requirement, compared to accounting students whereCPAis.
Should you start studying now?
I think it is a bit useless to do so. I like the fact that you want to be productive - but studying now will be counter-productive. You have 3 years to go. More than likely you will study now, than study a bit later to refresh what you learned, and will repeat this process for 3 years. Just to take theCFAL1, this将要烧掉你。您将在精神上筋疲力尽，以至于您将失去对CFA。You are probably thinking - no, I won't lose interest, no I won't burn myself out. But keep in mind, you definitely will and studying now will be counter productive.
There are 3 things I will recommend -
1) Job/Internship/Volunteer - I think it is worth getting an internship. But an off-cycle internship for a gap year student is extremely HARD and RARE. You need to network to get this opportunity. Possibly look for a part-time job and save as much as possible for the future. Maybe even start volunteering! Extracurricular activities look great on a resume.
2) Online courses - If you want to be productive - instead of theCFA, take some online courses on udemy, edx, khan academy and brush up on your skills. Excel/Coding/learning the stock market. Any skill that will make you better.
3) GMAT - While I suggest not to study for theCFA, start polishing up slightly (don't start full-time) on studying for the GMAT. If Masters/MBA在您未来的目标中/ IM/AM/IB, you can start studying for the GMAT and apply to deferred applications (2+2s) during your senior year. During your senior year, if you have an惊人的GMAT得分, you can apply toMBAschools, go work for 2 years, and have a guaranteed admission to a topMBAprogram. 2+2s are hard to get into. So your GMAT/Academics/Extracurricular (Volunteer and participating in schools), internships have to be on point.
Good luck with how you decide to proceed. It's good to think ahead, but sometimes it can bite you back.
If your from UK like your profile suggests, would highly recommend either learning a European language or how to code etc instead. Learning another language would help you a lot with Private Equity for example and can clearly help differentiate you from competitors, same with learning to programme. Both also take a considerable amount of time to learn, hence I'd say it's a better use of your time than revising theCFA现在说实话，这不一定是完全与任何入门级财务角色相关的，包括AMsince most going in wouldn't have even taken L1 anyways.
谢谢你！
worth noting that coding won't help in investment banking根本。话虽如此，您应该学习基础知识，因为它具有越来越重要的技能。为了学习一种语言IBis also silly and a massive waste of time, if you're into the European languages anyway then yeah learn them with the side benefit of them helping your applications.
个人建议服用CFAlevel 1 in your final year if you dont have to sacrifice your other grades and efforts
I found it was always brought up in mysuperdayinterviews and I think HR saw it as a bonus vs. my other semi-target peers but thats my personal experience
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