Better career if you’re mainly in it for the financial incentive?

(If you could answer without the “require two different personalities answer”)

Buyside quants (supposedly sell side makes less than big tech engineers) vs bankers (PE/IB/HF):

1st: which is more competitive is it the same amount is it more but just slightly or a lot

2nd:which career makes more stable high amounts of money

3rd: which skills are harder to acquire

4th: which career has more high paying options with its relevant degrees (stats, math,cs and accounting,finance,econ ) and experience you get from it

5th: which career is more stress free at entry/junior, intermediate, and senior levels

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Total shots in the dark from a non quant, but who has some quant friends 

1st: which is more competitive is it the same amount is it more but just slightly or a lot

  • Quants seem more competitive to me because you are in harder disciplines. Flip side is while there may be higher demand at any given time, it still seems very funneled to top of the stack for qualifications. Feels easier for someone who wants to sneak in to IB without a target background than just sneaking into quant, but who knows

2nd:which career makes more stable high amounts of money

  • After your first couple of jobs, this industry opens up to the realities of the world, just like everything else... which is that you need to take bigger risks to make the big BIG sums of money. The clipping huge coupons is kind of dead, but I'd say your run of the mill quant who doesn't really reach launch trajectory will make more money

3rd: which skills are harder to acquire

  • Quant to an extent because of those studies, but being a really really good equity L/S pod PM who makes it rain is a bit more intangible. Same with the guy who gets fast tracked to principal at a mega fund. Either way you are going to be immensley talented and its going to be a product of who you work under and grow with + some luck that you are in right spots at the right times 

4th: which career has more high paying options with its relevant degrees (stats, math,cs and accounting,finance,econ ) and experience you get from it

  • Lots of options open either way just different paths (assuming its IB vs. quant). If you do straight equity L/S progams you basically have zero real world skills outside of markets. IB gives you corp world at some point again presumably (althought much harder the longer you are away), PE is obvious, and quant is obvious. Why am I typing this you could've asked chatgpt 

5th: which career is more stress free at entry/junior, intermediate, and senior levels

 

So, from what I’m seeing, quantitative finance is more competitive, but not because of relevant applicants to openings; just that the skills are harder to get, which is also why they get paid more. Usually, the technical skills are more valuable.

And again, sell-side quants at J.P. Morgan make similar amounts to a little more annually than bankers at the same progression levels and way more per hour. Correct me if I’m wrong though; the views vary. I’ve seen people say sell-side quants make similar amounts to people on the buy-side or less than big tech!

 

JPM quant can mean anything though. Are you a risk guy? Are you building automated trading tools for equity desks? Are you working for research department and publishing quant stuff? Are you a trader on the FICC desk. Are you optimizing analysis of loan portfolios?

I'm not an expert at this world but you need to narrow in a bit more, and don't pick a career track to optimize average net earnings or some bs. I promise you, life doesn't work this way, careers don't work this way...

Find what you are truly talented in. Explore the fields, optimize after your learnings and feedback from experience. In a few years you can find yourself in a radically different position, in a radically different job market.

Generally, if you want high pay for getting more advanced degrees and to be a cog in the machine, on average, a quant may have other seats beat because its like being a doctor sort of. Requires more training and advanced qualifications usually, so its paid higher. There is always going to be some level of quant work that may be commoditized on some levels but is still a specialty and is in demand - and you can't just pick up a self taught person to grind away (usually). 

But ya know, finance isn't 1980s, or 1990s, or 2000s... def not 2006, and not even 2010 anymore. Its fairly institutionalized. The big pay comes from the people who run these businesses, or took big career risk to start a boutique practice, or have contractual payouts based on revenue/PnL they bring to firms. Same as it always was in some ways, but coupon clipping gets harder.  

Just keep an open mind. Don't box yourself into one way of thinking, and early career it is typically best to optimize for optionality + tool kits above all else. Find what you are truly talented in and can bring real value to the table in, above all else, always. 

 

Expect I will get some MS here, but honestly it sounds like a good risk management spot would largely fit what you're after, IF you pick the right place. Sounds like you're trying to optimize for stable comp but still solid money, low stress and not impossible to get into. Hard to beat a solid risk quant type role for that if the team is actually involved in the interesting stuff.

 

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