[原创] 为什么要考CFA

生活, 项目, accounting, property, finance

我在国外，是个典型的IT男。看着坛子里吵的不可开交，我也谈谈我的想法。

在国内我不清楚，但是在国外，考CFA，对我们这些没有会计和金融知识的人，绝对是有帮助的。国外的社会，可以说基本上是建立在accounting和finance的基础之上的，和生活密不可分。

工作中，自己Supper Fund Plan的选择，在项目中你需要搞清楚自己的working Cost是Capex还是Expex Expense，你需要清楚公司的年终报表意味着什么来决定你是否要另寻高就。你要是懂NPV， IRR，可能你的项目就更容易被批准。

在生活中，年终的tax return，从买resident property到investment property，从Floating Mortgage Rate 到Fixed Mortgage Rate. 买家具，买电器可以interest free的分期付款，安装太阳能节电设备，政府的补助和退税，汇率的升降，直接关系到你的学费和生活费。为什么国外最好挣钱的是broker？各种 broker？各种consultant？因为你在生活中的每一步，都和finance相关。如果你对cash flow，对accounting的基本知识没有任何概念，每碰到一个人生中重大的选择的时候，就是盲目的，存在着很大的风险。从读书，就业，置业正式这种对金融财务知识的欠缺，驱使我去参加CFA的考试，我觉得这是一个比较系统了解

公司的一个同事，contractor，有自己的公司，快60岁了，现在修应用金融的master degree，准备打理自己的supper plan,迟学早学都是要学的，求不到官有秀才在，实在过不了，对生活还是有帮助的。。

FUduduka

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15^#

发表于 2010-6-23 20:00 | 只看该作者

Take it easy.

I was saying CFA and MBA are not comparable. If you haven't been in a MBA program, don't jump to the conclusion that CFA can give you similar education.

A basic corporate finance course will teach you capex expense NPV IRR. Life is too short. It's a huge waste to study CFA program just to get this knowledge. Of course, you can always learn something if you don't have better things to do.

[此贴子已经被作者于2010-6-23 20:55:28编辑过]

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bigwood

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14^#

发表于 2010-6-23 14:34 | 只看该作者

Why do you need to learn leadership and teamwork from CFA?

BTW, can't imagine a department manager who do not understand Capex, Epex, and can't imagine a project team leader who do not even know NPV and IRR.

In China maybe, here, no way.

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FUduduka

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发表于 2010-6-23 03:10 | 只看该作者

Give me a break. Can CFA Program teach you leadership and teamwork?

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nickybucket

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12^#

发表于 2010-6-23 02:00 | 只看该作者

Bigwood, I completely agree with you. When I was in Shanghai, I never thought of managing my own budget, cash flow, and everything. But after I moved to US, things change. I NEED TO and MUST understand how finance works. Tax return is a great example... I started to manually do budget every month - making sure the cash flow will work for my mortgage, car loan, student loans.... lots of stuffs that I could not imagine before... Lots of my classmates and friends who finished CFA said that the exam can provide the similar finance education to MBA.

What am I going to do today to move myself in the right direction?

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tommyyxh