投行人士「精緻窮」3大現象?網民揭年薪百萬現實很慘1原因難致富

文: 溫藹紅
2024.08.15

投資銀行從業者現「精緻窮」現象?投身投資銀行是不少學子夢想職業之一,除了投行「光環」外且薪金不俗,每年都有大批精英嚮往晉身相關行業。不過,最近就有行內人士坦露心聲,指認清「投行不能讓人脫貧」的現實,又分享近年行內出現3種「精緻窮」的有趣現象,直言「年薪百萬現實很慘」?

投行人士分享3大「精緻窮」現象 年薪百萬現實很慘?

 投行工作是不少人夢寐以求的行業之一,普遍人會認為在投行工作都是「精英中的精精英」,除了薪金豐厚外,專業背景同時享有較多上流機會,然而表面風光的背後,亦藏了不為人知的苦澀辛酸。

最近有內行人發帖分享自己的看法,指身邊從事香港Banker的同事,「以前以為年薪百萬,直接跨越階級,(其實)現實很慘」,更指行業出現「精緻窮」現象,從3方面反映投行人士並非都「富貴」;亦有人表示「曾幻想著去了IBD(Investment Banking Division,投資銀行部門)就能躍升上層社會,結果卻被啪啪打臉,其實大家只是精緻窮、窮精英」。

3大常見「精緻窮」現象 難實現財務自由

對於有關現象,樓主直言不會置業,反而手持現金流最安全,至於花費支出寧願用來向上社交、學習與探索, 而作為Junior級別員工,更應該增加賺錢動力,「蓄力修內功、養身體,也是不錯的選項」。

其他同行分享:看著很光鮮 基本上精緻巨窮

帖文獲部分從事同業的網民認同,並分享自己在摩根大通(JP Morgan)的所見所聞,指與他同一屆進來的畢業生尤其是選了紐約市總部的,「看著很光鮮,其實不撐到MD級別,基本上都是精緻巨窮」,原因竟是在於「慾望」?

有網民留言表示「賺錢賺的多,花錢也花的兇,很正常」,但認同在香港生養小孩班實開銷大,「除去房貸、家用、社交雜七雜八不剩什麼」、「如果有小孩就更不夠了」,「孩子讀書就不一定要國際學校啦,日常名牌那可省就省」。不過,都有人認為亦有會理財的例外,「還好吧,我一個朋友投行兩年就買房子了」,最終是「精緻窮」,抑或「真富貴」,還是因人而異。

資料及圖片來源:小紅書@紐約學姐小紅書@Cici學姊(專注投行求職)、HKET圖片庫

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