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Finance Edition – Money Management in 2022

Posted on by Imarticus Learning

Be it an individual or a company, everyone needs to manage their funds and use them wisely. It is why companies hire money management experts to utilize their capital wisely. Usually, business organizations rely on investment bankers for money-related advice.

Most people are unaware of the basic concept of money management. By knowing about money management, you can also boost personal growth. Are you looking for an investment banking course to learn money management skills? Read on to know more about money management and the best investment banking certification course. 

Understanding money management 

Planning how to spend the available capital comes under money management. It includes saving, tracking, and spending the available funds. Even big business owners also need help with money management. They cannot just keep their capital stored in a locker for ages. They need to invest the available capital and grow it over the years. All these processes come under money management. 

Investment bankers are usually the ones who have excellent money management skills. If there is a good investment opportunity that can grow your capital size, investment bankers will identify it. Many investment banks have HNI and UHNWI individuals as their clients that need help with money management. If you are preparing for a job in the investment banking sector, you should have some money management skills. Money management skills will help you manage personal finances effectively. 

When talking about corporate finance, money management is concerned with budgeting. A company’s budget is created based on the marketing strategies and overhead expenses. Currently, there is a lack of skilled investment bankers that are into corporate finance management.

It is why business organizations are ready to pay a hefty amount to young investment bankers that can help them with money management. You can choose a reliable money management course and grab a lucrative job deal in 2022. 

Money management skills to learn in 2022

Some money management skills an investment banker should know in 2022 are as follows: 

  • An investment banker should know the 70/20/10 when it comes to money management. According to the 70/20/10 rule, 70% of the money should be allocated for necessary expenses and bills. 20% of the available money can be allocated to debt and savings, while 10% of the money can be spent on wants. Some corporate entities also follow the 50/30/20 rule while creating corporate budgets.
  • Corporate entities hire money management experts to set financial goals. If you are an aspiring investment banker, you should be able to evaluate the current financial performance of any company. Based on the current financial situation of a company, financial goals are decided.
  • Debt management is one of the crucial tasks in money management. No company wants to sink in the ocean of debt and hamper its business continuity. Investment bankers help corporate entities to decide their repayment capacity. Based on the repayment capacity, debts are taken by entities to meet financial obligations. 

These were some of the necessary money management skills for investment bankers in 2022. We at Imarticus Learning have bought a specially-designed course for young investment bankers looking to make a mark in the industry. Our CIBOP course is best to learn investment banking skills in 2022. 

Why rely on the CIBOP course?

We offer the CIBOP course to young investment bankers in association with the London Stock Exchange Group. It consists of an industry-oriented curriculum that will make you aware of the trending practices in the investment banking sector. Towards the end of the CIBOP course, we will help you get a lucrative job offer and kickstart your investment banking career. Join the CIBOP course and learn money management skills in 2022!

Financial Modelling Techniques

Posted on by Imarticus Learning

Financial Modelling Techniques

Financial Modelling is a process by which a business generates cost-effective ideas and risk management techniques to manage the financial capabilities of a company better. It is used widely for preparing company budgeting strategy, capital structure, and during mergers and acquisitions.

Financial models are a representation of the performance of the various financial assets of any company which is in line with the economic situation in the real world. Financial Modelling includes the valuation of the company, growth forecasts, and performance forecasts of a company’s existing financial assets and spreadsheet models.

It is a representation of a company’s financial position to facilitate the effective managerial decision-making process. Financial Modelling is a complex task and requires highly skilled personnel. Therefore, financial modelling courses have become very popular.

credit risk analyst coursesFinancial Modelling Techniques

Financial Models uses Excel modeling as a way to represent a company’s past, current, and future financials.

Therefore, to be able to employ these techniques, one needs to have in-depth knowledge of Excel.

Financial Modelling techniques are an essential decision-making tool, which is widely used in the corporate world.

Let us have a look at a few of the most commonly used Financial Modelling Techniques.
Historical Data – Historical data analysis uses a forward-looking process to determine future trends effectively. This implementation of this modeling technique requires the following specific steps.

Step 1 – Determine the objective of Modelling.
Step 2 – Collect data from credible sources. The credibility of citations is significant to assure that the results reflect the real picture.
Step 3 – Perform data analysis using various statistical tools and techniques.

Assumptions – Assumptions require sense-making of the statistical analysis performed on the historical data. The statistical analysis breaks down the data into numbers. These numbers form the basis of assumptions as while forecasting and planning the financial strategy, and a company needs to be realistic in its outlook of the future.

While making assumptions, a financial manager tries to fuse the internal and external information scientifically. One might mistake assumption as guesswork, but the process is always well planned and strategic as these assumptions are the key driver of the financial performance of an organization.

Colour Coding – It is a necessary form of representation used in financial Modelling to make sure that the users of the information can understand that different values belong to other parameters. Colour coding of the cell is a widely used feature of Excel, which makes helps to indicate whether the performance of a particular parameter meets the expectation or not.

Financial Models

A financial model is a tool that helps in the decision-making of a firm. Let us look at some standard Financial models.

Three Statement Model
It uses three primary financial statements
1. Income Statement – To ascertain Profit levels of a company.
2. Balance Sheet – To ascertain the asset health, equity standing, etc. of a company.
3. Cash-Flow Statement – To see the company’s cash balance and short-term liquidity.

Ratio Analysis
This model helps to determine the current standing of a company concerning individual other companies. A financial manager prepares specific ratios like PE Multiple, PB ratios, and so on to compare financial performances.

Discounted Cash Flow Model
This model is used predominantly by investors to predict the future cash flows of companies to make an investment decision. Stock market traders also use it before they purchase shares of a company.

In today’s scenario, as managing the finances of a company is becoming increasingly complex and sophisticated, especially with the advent of automation and technological dynamism, Financial Modelling helps to make rational investment decisions.

Financial Modelling Courses, therefore, try to provide holistic knowledge to aspirants of modeling techniques that can catapult them in a high career growth trajectory.

How is Microfinancing Empowering Women in the Modern World?

Posted on by Imarticus Learning

Many people believe that the time of microfinancing is over because, with a world full of technologies and innovations, women in developing countries should be able to make a living without having to rely on loans. However, this is not true.

In fact, many women still need small amounts of money for day-to-day expenses such as food and children’s school fees. Microfinancing has been instrumental in helping these women by giving them access to resources they would otherwise not have had available to them.

In the past few years, female entrepreneurs using their skills from home businesses or agricultural work for increased cash flow opportunities. These businesswomen are also more likely than men in similar positions to invest their profits back into the market.

The microfinancing sector is enormous, and individuals in the finance industry are in great demand. We’ll go through financial accounts and Finance courses with placement in this post.

What are the different types of finance courses that may be taken?

There are several finance courses to choose from. You may pursue certification in FinTech or degree programs such as BBA and MBA in investment banking.

These programs are classified depending on your education level, whether you graduated recently and therefore can attend an MBA program or a PG program.

The BBA program is accessible for undergraduates. Young professionals have the option of taking PRO Degree programs.

What are the Eligibility criteria to pursue a career in Finance?

Depending on the program and institution, the requirements may differ. If you wish to apply for the BBA program, you must have a passing grade in the (10+2) examination in Science / Commerce / Arts from PUC / ISC / CBSE or an equivalent board. For MBA or any other program, it will change.

What are your career prospects after you finish the program?

There are different career options following a degree or certification in finance. Graduates can opt for careers in investment banking, insurance, retail banking, financial analysis, and risk management. They can also start their own business or choose to become a consultant.

The range of finance job salaries varies from 7 lakhs to 20 lakhs per year, according to glassdoor.

Institutes that give Finance courses with job placement.

Imarticus Learning one of the leading technologies-driven educational institutes offers multiple courses in finance. Depending upon your qualification you can apply to the program. Below is the list of programs that you can apply:

For Recent Graduates

For Young Professionals

  • PGP in New Age Banking
  • ProDegree financial analysis with KPMG
  • ProDegree credit risk and underwriting with Moody’s analytics
  • MBA distance learning in Banking and Finance with NGASCE

For Executives

  • ProDegree SP Jain’s professional certification in fintech.

For Under Graduates

Conclusion: Microfinancing is a great investment opportunity for people who want to empower women and help them become financially independent. The statistics show that we can increase the number of female entrepreneurs in developing countries by providing these loans while also assisting communities in growing.

The demand for finance experts in order to support the microfinance industry is high. Finance courses with placement are provided by organizations like Imarticus. If you want to build a career in finance, now is the time to apply.

Technology Investment Banking: Take Over the World with Zero Earnings and Negative Cash Flows

Posted on by Imarticus Learning

When it comes to technology, investing in companies that are not making a profit might seem unreasonable. However, let’s assume the case of Amazon or Tesla where both these companies had negative earnings during certain quarters which scared investors immensely. In the long run, these two are highly profitable companies, but even then, they still sometimes manage to astonish their investors with poor earnings in a few unfortunate quarters.

There are many emerging technologies that have been and can be invested upon during their negative phases where they end up losing more value (or money) as compared to their earnings. Good investors take these risks with technology and software companies when they see a certain amount of hope or trust that these companies will certainly become profitable in some time.

best Investment Banking courses with placement in IndiaMassive investment banking firms such as Ernst & Young, Morgan Stanley, Goldman Sachs, and others have dedicated technology divisions, focused only upon investing in technology that will be important in the future or companies that have been estimated to become household names.

A Certified Investment Banking Operations Professional (CIBOP) course can definitely assist in transitioning to investment banking jobs.

What are Negative Cash Flows

Negative Cash Flows occur when companies spend more money than they generate within a stipulated duration. However, Negative Cash Flows do not necessarily mean the company is running at a loss, it is simply a status that equates to imbalances in the revenue stream.

Though it means that the total expenditure outweighs the net income for the specific period, companies can still make a net profit in the long run. In areas such as technology, the initial phase is spent on research and development, thus, actual profit cannot be seen till products or the software is deployed and available to the public. So, investors and firms can still make a profit by looking at the gross margin.

Products should sell for more than their production cost in order to make a profit. However, in the case of Tesla, during the first quarter of 2021, the company lost $970 for every Testa automobile sold (which they covered up with credits and bitcoin sales). Without their credits and BTC sales, they would actually end up losing $181 million.

Amazon, one of the biggest names now, took 14 years to cumulatively turn up the net profit that it earned in just the 4th quarter of 2017. In fact, until the early 2000s, Amazon incurred negative returns during every quarter.

Why are Zero Earnings Beneficial for Investors?

Many technological companies suffer from negative earnings quarter after quarter, however, some always end up achieving blue-chip status or acquiring massive value. This is especially true for biotechnology, IT, semiconductors, hardware, and aeronautical innovations. Investing in early-stage firms from these industries that are currently suffering due to difficulties can promise massive rewards that far outweigh the associated risks.

The possibility of invested companies discovering extremely important technology that assists medical science or AI systems that are capable of running entire cities is far too alluring to miss out on. Zero earnings or negative earnings can be a short-term situation and smart investors rely on the gross margin for longer durations.

It is a high-risk investment, however, large investment banks and investors are generally willing to be patient with temporary problems for an earnings recovery in the future. When wondering about what are the career options after graduation, one can definitely look into investment banking.

Conclusion

A certificate in investment course details shows the way to become a budding investment banker for helping investment firms. Valuation methods such as Discounted Cash Flow and Relative valuation take a company’s temporary problems and the future profit into account to determine if it is worth taking the risk.

So, what are the career options after graduation? Candidates are first recommended to definitely enroll for a Certificate in investment course, details are available here.

Related Article:

How Do I Get Into Investment Banking

Career As An Investment Banker

 

Advantages of Online Courses

Posted on by Imarticus Learning

Students these days have been absolutely taken by the immense possibilities that internet has offered to them. One of the biggest breakthroughs, especially in the education industry is the introduction of online courses. Online Courses and Education are like a modern take on the age-old practice of homeschooling. While just like the latter, online education may have its limitations, there are a lot more advantages offered here. The conventional education system, with its chalkboard and textbook processes, has several problems inherently.
Here’s a list of reasons why we believe online education is well on its way to become conventional.
1. The Variety
The fact that the whole of Internet is so huge, means that you can literally end up studying whatever you want. While online, it is possible to pick up any program, which you have always wanted to study, it does not work the same way, traditionally. The ordinary courses, which involve going to a college and a lecturer, usually end up costing you more and a lot of traveling as well. Whereas on the other hand, you can study not only from your home, but also choose whichever course you want to, not being worried about its availability. Apart from enrolling yourself to as many programs as you wish, you can also apply to traditional universities online.
2. Comfort
Taking a course the conventional way involves a lot of sitting, in the most uncomfortable chairs and suffering from back pain, as well as a headache at the end of the day due to cramming so much. While on the other hand, online courses don’t really bound you to a certain time and place, one is encouraged to take these courses at their own free will. This basically means that you get to spend only for the courses and the other extra expenses, including the transit, fuel and food charges get negated.
3. Resume Polishers
Online programs have the ability to look really good on your resumes, no matter, if you are a just a plain fresher or are well about in the professional sphere. As there are many traditional universities and esteemed institutes, like Imarticus Learning, that offer a number of courses online, you get the official acknowledgments, in-spite of the wide distance from them. Unlike popular belief, a number of hiring managers, do not look at online courses, as inferior to courses that are taken the old way. Obtaining online degrees and certifications from prestigious training institutes like us helps you in getting that coveted position.
4. You Get To Decide
Any commonplace, conventional course, usually involves a number of set guidelines for all the students taking them, which includes deadlines, time allotment for certain topics, assessments, test and so on. On the other hand, there are a number of online courses, which have the label ‘self-paced’ on them. This basically means that the student has the liberty to choose when they want to complete a certain module, or what time should they be studying a certain subject.

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