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Showing posts from March, 2025

[Investing] Why choose global investment grade corporate bonds instead of cash or short-term investment?

 As major central banks continue to raise interest rates in 2022 and the first half of 2023, deposit interest rates in many mature markets have become more attractive. Hawkish moves by major mature market central banks also pushed bond yields higher. While short-term investments such as term deposits and short-term funds do have their benefits in a portfolio, global investment grade corporate bonds may be preferable for the following reasons: Long-term growth potential:  Yields are currently at ten-year highs, and policy rates in mature markets have reached or are close to peaking, opening up good entry opportunities for investing in global investment-grade corporate bonds. If the global economy remains solid, global investment-grade corporate bonds may generate higher income than U.S. dollar time deposits. Even if policy rates fall, investors may still benefit from price appreciation in addition to coupons, as yields fall as policy rates fall, potentially offsetting ...

Biggest joke in fund investment: Who doesn’t understand the other’s heart, between fund managers and investors?

 The biggest joke in fund investment: Who doesn’t understand the other’s heart, between fund managers and investors? The popularity of fund investment once made people believe that investing in funds can really make money, but what is the reality? Investors are not just disappointed, but fund managers are relieved. The joke about funds is: Fund managers and fund investors are on the same line of interests, a relationship where both prosper and lose. What is the result? Fund investment losses have been more than 30% or even more than 90%, and fund companies and fund managers have not forgotten to charge management fees. The bigger joke is that the fund manager lost tens of billions, collected billions in management fees, and then resigned and ran away. Faced with losses in fund investments, fund managers, with huge management fees and annual salaries of hundreds of millions, waved away the cloud of losses, leaving only fund investors learning to swim in the water. Fund inve...

A joke only financial insiders understand

 A friend of mine was studying in the United States. When he was selecting courses, he found a course called "Options and Futures" and he chose it decisively, hoping to learn some life experience. However, after class, he found that he had no idea what it was about, so he went to ask an elder for help. The elder looked down at the textbook in his hand, and there was a word "Options and Futures" printed on it. 1 Archimedes: Give me a lever and I can move the earth. Financial person: Here, I’ll lend you this triple leverage. When the market opened the next day, Archimedes had suffered a net loss of two earths. 2 Accountant: You don’t produce, process, or provide core services. How do you make money? Finance: Look, how are you going to sell this basket of rotten apples? Accountant: Sell it at half the original price. Finance: We cut off the rotten ones, make them into fruit plates, and sell them at ten times the original price. ...

The top ten popular positions in the financial industry, come and see which one is suitable for you? 

 If you want to rush into the financial industry now, then your ideas are really following the trend. The leader discovered that major cities are fiercely competing for high-level financial talents, offering money, housing, and account registration. In addition to rich leverage financing experience, excellent knowledge, and excellent liaison skills, CFA learning experience is also valued. The positions with the best benefits in the next six months are also slowly emerging. 1. Analyst, investment bank Investment banking analyst is really a good starting point for a career. Many people want to go there. If financial practitioners were to choose one most popular position every year, it would definitely be an investment banking analyst. The work of investment bank analysts is relatively high-level, including IPO, additional stock issuance, investment and mergers and acquisitions, structured financing, and some consulting services. Just one of these jobs can bring a lot of ...

Top 50 global banks

 The bank rankings are compiled using balance sheet information from the LexisNexis® Bankers Almanac® Counterparty KYC , a query tool that helps KYC due diligence analysts identify counterparties from nearly 200,000 financial institutions and instantly access the comprehensive KYC information needed to conduct risk assessments. Our award-winning financial crime compliance tools can help your business effectively combat global threats through enhanced risk insight. The bank ranking data is as of January 30, 2023. Current ranking Last ranking bank Assets USD (million) + or - (local currency) Capital USD (million) Balance sheet date 1 1 Industrial & Commercial Bank of China Limited 5,518,390.00 +8.02% 111,515.00 31.12.2021 2 2 China Construction Bank Corporation 4,746,849.00 +10.14% 39,227.00 31.12.2021 3 3 Agricultural Bank of China Limited 4,560,950.00 +9.43% 67,448.00 31.12.2021 4 4 Bank of China Limited 4,192,746.00 +12.15% 46,189.00 ...

Chinese names of several foreign financial institutions

 The financial market is a market that requires high professionalism from participants. Some operations of foreign financial institutions are relatively authoritative, but due to some restrictions of domestic and foreign policies, entrepreneurs in the mainland will be more cautious when choosing. What are the characteristics of loans provided by international finance companies? International finance companies mainly provide loans to productive private enterprises of members; generally only provide loans to small and medium-sized enterprises; when providing funds, they often adopt a combination of loans and capital investment. Chinese names of several foreign financial institutions   CFC Seymour Simon Investments   The SJ Seymour Group was founded in Lausanne, Switzerland in 1992. In 1997 , the Group separated its securities trading business from its growing asset management business. In the mid -1990s , the Group expanded into As...

Top 5 career options for finance graduates from American universities

 The reason why so many students choose to apply for the finance major is that in recent years, the financial industry has become a common employment field and the overall industry income is relatively higher. Many parents also hope that their children can enter the financial industry after graduation and support themselves with superior conditions.   This means that most of us who choose finance as our major have a common goal, which is to find a good job after graduation.   Next, we will share with you what industries you can enter after graduating from the finance major. This will help students choose their major and have a clearer idea of ​​their future career path.   The following list mainly lists five types of employment fields that finance graduates can enter, namely: securities, banking, consulting, insurance, Internet and fast-moving consumer goods industries.   ▍Brokerage   Most students would like to join securities firms, which include investment b...

Top 5 career options for finance graduates from American universities

 The reason why so many students choose to apply for the finance major is that in recent years, the financial industry has become a common employment field and the overall industry income is relatively higher. Many parents also hope that their children can enter the financial industry after graduation and support themselves with superior conditions.   This means that most of us who choose finance as our major have a common goal, which is to find a good job after graduation.   Next, we will share with you what industries you can enter after graduating from the finance major. This will help students choose their major and have a clearer idea of ​​their future career path.   The following list mainly lists five types of employment fields that finance graduates can enter, namely: securities, banking, consulting, insurance, Internet and fast-moving consumer goods industries.   ▍Brokerage   Most students would like to join securities firms, which include investment b...

It is difficult for fresh graduates in the United States to find jobs: It is difficult to find a job even with a double degree

 It's graduation season again, and American college students are also worried about finding jobs. On TikToK, a girl named Santos cried as she shared her sad job-hunting experience: she has a double degree from Pace University in New York and speaks three languages, but after she sent her resume to many companies, no one was interested. "It's hard to find even part-time jobs that don't pay much per hour," Santos said devastated. Ordinary college students are crying and looking for jobs, and graduates from prestigious universities are not having a smooth job search. The New York Times reported that a master's degree graduate from the Department of Mathematics at New York University sent out 400 resumes, but received 40 rejection letters and did not get a single interview opportunity. American college students have found it difficult to find a good job in the market after graduation this year. At the same time,  employers are increasingly demandi...

Guide to US Student Loans

 Student loans in the United States are mainly divided into government student loans and private loans. Government loans have lower interest rates and flexible repayment plans, which are suitable for students with average financial conditions, but the amount of loans for international students is limited. Private loans have higher loan amounts and interest rates that vary according to personal credit. They are usually suitable for students who need more funds, although a co-signer may be required. The loan application process includes preparing the FAFSA form, comparing private loans, and submitting application materials. The steps are relatively simple. After graduation, students can choose strategies such as income-based repayment, loan consolidation, and early repayment to flexibly manage their debts. By choosing loans and planning repayments appropriately, students can maintain a balance between their studies and finances. US loan business strategy When s...