it's much easier to get into PB these few years, no. of UHNWIs grow a lot in APAC's (especially Greater China), thus more demand for PB and asset man services, leading to more hirings. As for how to break into this industry, it's a bit complicated to explain in a few words, maybe I will make another video about it later. Also, I would say 50/50 for males and females hiring but top management tends to be males
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我都想知PB點入，上年為咗最後可以去到PB，由B2B sales轉行去Banking，不過只係Business Banking因為以前淨係做開公司客，想知下一步有咩方向可以去到PB入門嘅要求
想請問點樣入PB？想知道點樣搵工， 同埋入職要求。另外如果係從其他行業轉會唔會有難度？唔該曬 Thanks! 🙏
你段片好inspired, 正。 另外，想問問PB 主要做乜credit product? 係咪多數都係Lombard loan再加股票，樓，或其他asset去做抵押？仲有冇啲好特別嘅loan會做㗎？謝謝
最正常當係係Lombard 同derivative ，collateral 多數係容易係公開市場發售的產品，多數包括︰stock, preferred stock, bond, structured note, ETF, mutual fund。包唔包，或者點包PE fund, hedge fund 就間間行有自己守則。
自住/ 兩三個單位的收租樓應該唔少大行會接受，成棟樓抵押的話比較難。
有時我聽到超級富豪們搵aircraft, Art/ antique financing，但呢D financing 好少係香港完成我都唔知太多。
請問銀行轉行可做什麼工作?
想請教你，pb全權管理有8厘係正常會有既回報？ 我成日都好驚全權管理，俾人做啲我蝕佢賺既投資
Pb d banker 咪即係老sales, 招呼班闊佬
其實就係做雞姐 （利申 institutional buy side)
Hello, KJ.想了解下私人銀行有無話邊間好d?例如借錢息率，產品，收費等等。同埋都聽過如果零售銀行同PB買同一樣野個價都會吾同？
另外，有無d產品系投資者要特別小心或者系RM好鐘意sell的？例如DCI, FCN?
最後,PB 同EAM又應該點選擇？
謝謝🙏
講明先，每間都有自己好嘅地方，以下只係我個人意見
鬥平就匯豐，而且服務ok；產品齊同brand name 最強就UBS，但UBS客多如果你唔係大客就服務未必有咁好，JP Morgan 或Morgan Standley服務就好好，而且好多產品都可以tailor-made，不過價錢就唔平，同門鑑高，所以其實每間都有各自嘅好處。
Retail同 PB價錢當然好唔同。Retail Bank都有structured product，但佢會賣D一早structure好嘅 product比你。如果同一個product去PB bank request 翻同一個features，係可以平一至兩成，所以係可以差好多，特別係credit deri product。
Product嘅話，其實每隻都係fair嘅，無一隻係特別坤錢。不過accumulator就要特別小心，佢賺就賺最多，但蝕又蝕最多。Accumulator 同 Deccumulator都係比較危險，但use appetite 好嘅話係可以玩，因為睇中真係可以賺好多。
PB 同EAM當然揀PB，除非你真係多錢多到管唔曬，要有自己嘅family office，咁就需要一個EAM幫你打理。但如果你得幾千萬美金嘅話，咁開PB就好過，主要EAM都會食你水。EAM食一浸，PB又食一浸，係好唔著數。有D人真係有3－4 billion嘅資產，要分開唔同嘅 Private Bank打理，咁我覺得係ok嘅 。如果你得五千萬美金，咁你開個匯豐、UBS再加個JP Morgan，每間放廿球，咁都唔係特別需要EAM。
多謝你詳盡講解👍
另外都想問下如果系ib買債券同系PB買個價會吾會PB平d?因為都有聽過個RM會mark up?定系一樣呢？d息率有無話邊間行平d?同埋PB個收費模式系點？有無mgt fee, custodian fee, performance fee等等？
希望你吾好介意我太多問題😅主要都想了解一下
👍
3球美金想開戶，去唔到美資行，有咩選擇？
大新銀行
Hello KJ, PB入行係咪好難? 請男定女多? thanks.
it's much easier to get into PB these few years, no. of UHNWIs grow a lot in APAC's (especially Greater China), thus more demand for PB and asset man services, leading to more hirings. As for how to break into this industry, it's a bit complicated to explain in a few words, maybe I will make another video about it later.
Also, I would say 50/50 for males and females hiring but top management tends to be males
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