Uma usebenza kwezezimali, uyazi ukuthi ukuba nesikhundla se-CFA eduze kwegama lakho kufana nokufaka uphawu lokugunyazwa olungangabazeki. Kumphathi wezimpahla, ibhange elizimele, noma othile ohilelekile ekukhetheni isikhwama, ukwethula lesi sitifiketi engxoxweni yomsebenzi kuyindlela engcono kakhulu yokubonisa ukuthi unobungcweti bobuchwepheshe kanye nokuzithiba okudingekayo kulesi sikhundla.
Masingazikhohlisi: indlela yokuba yi-CFA Charterholder iwumjaho weqiniso. Akukhona nje ukufunda izincwadi eziningi, kodwa kumayelana nokunqoba inqubo ehlanganisa izivivinyo ezinzima kakhulu, amahora amaningi omsebenzi wangempela, kanye nokuzibophezela okungaguquki kokuziphatha. Luhambo oluvame ukuhlala phakathi kweminyaka emibili nemine futhi ludinga ukutshalwa kwezimali okukhulu kanye nokutshalwa kwezimali komuntu siqu.
Kusho ukuthini ngempela ukuba yi-CFA?
Kuvame ukuba nokudideka mayelana namagama asetshenziswayo. I- CFA Institute yinhlangano eklama uhlelo futhi ilawule yonke inqubo. Ngakolunye uhlangothi, uhlelo lwe-CFA luyindlela yemfundo, kanti umnikazi we-CFA Charterholder ungumuntu osevele ehlangabezane nazo zonke izigaba ezibalulekile: ukudlula wonke amazinga amathathu, ukuba nolwazi lomsebenzi oludingekayo, kanye nokuba yilungu elisebenzayo lesikhungo.
Kwabaqashi, lesi sitifiketi sibaluleke kakhulu ngoba silinganisa isisekelo sobuchwepheshe sabazongenela ukhetho. Nakuba inkampani ngayinye inezindlela zayo, i-CFA iqinisekisa ukuthi uchwepheshe unekhono ekulinganisweni kwempahla kanye nokuphathwa kwephothifoliyo, okusindisa isikhathi esiningi ngesikhathi sesigaba sokuhlolisisa esifanele senqubo yokuqasha.
Indlela yokuthola isitifiketi: isinyathelo ngesinyathelo
Okokuqala, akuwona wonke umuntu ongabhalisa. Isinyathelo sokuqala ukuhlangabezana nezidingo zokungena , ezihlanganisa ukuba neziqu zaseyunivesithi (noma ukuba seduze kakhulu nokusiqeda, ikakhulukazi zingakapheli izinyanga ezingama-23) noma, uma kungenjalo, ube namahora angu-4.000 olwazi noma ukuqeqeshwa okuqoqwe okungenani iminyaka emithathu.
Impi yezivivinyo
Ingqikithi yohlelo iqukethe izivivinyo ezintathu eziqhubekayo. Awukwazi ukweqa noma yiziphi; kumele uphumelele eyokuqala ukuze uqhubekele kwelandelayo. Ngaphezu kwalokho, amaModule Amakhono Asebenzayo (ama-PSM) aqaliswe ukuvala igebe phakathi kwethiyori kanye nokusebenza.
- Izinga I: Igxila ezisekelweni. Lapha, okulandelayo kuyahlolwa: imiqondo eyisisekelo yezezimali namafomulaokuhlanganisa konke kusukela ezindleleni zokulinganisa kuya ekuziphatheni kobungcweti. Kuyisigaba sobungcweti bamagama.
- Izinga II: Izinto ziba zimbi kakhulu lapha ngokuhlaziywa okusetshenzisiwe. Ukuhlolwa kusebenzisa ifomethi ethi "item-sets", lapho kufanele khona hlaziya izimo ezithile futhi baphakamise izixazululo ezisekelwe ekulinganisweni kwempahla.
- Izinga lesi-3: Umgomo ukwakha iphothifoliyo. Kuleli zinga, umuntu ozongenela ukhetho kumele ahlanganise konke okufundiwe ukuphatha izimo zangempela, futhi angase agxile ku- Ukuphathwa Kwephothifoliyo, Ukuphathwa Kwengcebo Yangasese noma Izimakethe Zangasese.
Kubalulekile ukuqaphela ukuthi izivivinyo zingesiNgisi futhi zihlala amahora ayisithupha. Izifundo zifaka phakathi ezomnotho, ezezimali zezinkampani, ukuhlaziywa kwezibambiso, kanye, nezimiso zokuziphatha. Enye imininingwane ethakazelisayo ukuthi kuvunyelwe amamodeli amabili kuphela wokubala .
Ulwazi lomsebenzi kanye nobulungu
Ukupasa izivivinyo akwanele ukuze uthole isitifiketi. Udinga amahora angu-4.000 olwazi olufanele lomsebenzi , olusatshalaliswa okungenani izinyanga ezingu-36. Izindaba ezinhle ukuthi lolu lwazi lungatholakala ngaphambi, ngesikhathi, noma ngemva kwezifundo zakho, inqobo nje uma umsebenzi uhlobene nokwenza izinqumo zokutshalwa kwezimali noma unegalelo ngqo kuleyo nqubo.
Okokugcina, kumele ufake isicelo sobulungu kwi-CFA Institute. Ukuze wenze kanjalo, uzodinga izinkomba zobungcweti (ezimbili uma eyodwa ivela kulungu lamanje, noma ezintathu uma kungenjalo) kanye nokuzibophezela kokuthobela iKhodi Yokuziphatha Nezindinganiso Zokuziphatha Kobungcweti, okuzodinga ukuyiqinisekisa njalo ngonyaka.
Izindleko zangempela: imali, isikhathi, nomndeni
Ukukhuluma ngezindleko kusho ukubheka ngale kwebhili. Ngokwezezimali, udinga ukucabangela imali yokubhalisa yokuqala (cishe u-$450 USD) kanye nezindleko zezinga ngalinye, ezingaba ngu-$700 USD uma ubhalisa kusenesikhathi, yize zikhuphuka kuye ngosuku. Uma ungeza izinto zokufunda ezifana neKaplan nanoma yiziphi izifundo zokulungiselela, isabelomali singasuka ku-$2.550 USD siye ezibalweni eziphakeme kakhulu uma ukhetha izinhlelo ezikhethekile ze-master.
Kodwa-ke, izindleko zamathuba yingxenye enzima kakhulu . Ukufundela i-CFA kuhilela ukudela izimpelasonto, ubusuku, namaholide. Abanye abafundi banikela amahora angaphezu kuka-1.500 ekufundeni okumsulwa. Lo mzamo uvame ukuthinta indawo yomndeni, udale izikhathi zokungezwani, ukuzihlukanisa, kanye nokuzinikela okucishe kube okukhethekile okungathinta impilo yomndeni kanye nenhlalakahle yengqondo.
Ukuhlolwa kobungcweti kanye nomongo waseYurophu
EYurophu, isitifiketi sinenani elengeziwe ngenxa yemithethonqubo ye-MiFID II. I-ESMA idinga ukuthi abeluleki bezimali babe nekhono elifanele, futhi ukuqokwa kwe-CFA kwamukelwa kabanzi njengobufakazi bokuthi uchwepheshe uyahlangabezana nalezi zindinganiso zolwazi. Lokhu kwenza kube yinzuzo enamandla kakhulu yokuncintisana yokusebenza ezimakethe zomhlaba wonke.
Naphezu kodumo lwayo, kubalulekile ukuba ngokoqobo. Imboni yezezimali ingaba nabasebenzi abaningi kakhulu, futhi umsebenzi wansuku zonke awuhlali ukhazimula njengoba kubonakala. Ukuthola lesi sifundo akuqinisekisi umholo osheshayo, kodwa kunikeza ithuba lokuncintisana futhi kubonisa ikhono lobuchwepheshe uma kuqhathaniswa nabanye ochwepheshe.
Ukufinyelela isikhundla sokuba yi-CFA Charterholder kudinga inhlanganisela yokuqina kwengqondo, ukuzinza kwezezimali, kanye nokusekelwa komndeni okuqinile ukuze kuqhubeke iminyaka yokufunda. Kuyinqubo enzima eguqula indlela umuntu ahlaziya ngayo izimakethe futhi anikeze ukuqashelwa emhlabeni wonke ngokusekelwe ekuqineni kobuchwepheshe kanye nokuziphatha okuhle, ezimisa njengendinganiso yegolide yanoma yimuphi uchwepheshe wokutshalwa kwezimali ofuna ukugqama esimweni sezezimali sanamuhla.