I don't know what the price difference is between 16 and 32 but since on a budget you're right to consider diminishing returns with the VDI... your fast computer will be limited by your VDI at some point. I might go with 16gb i7 vs 32gb i5 if you're doing heavy excel

Array
 

You're most likely to be kneecapped by RAM.  I've got a decade old mid/high end custom build (i5 4670k) for when i don't have the work laptop.  Upgrading to 32gb of RAM, even old DDR3 makes it very sufficient.  Beyond that, get a decent SSD to hold the programs, videos and other media can go on an old HDD.

The only difference between Asset Management and Investment Research is assets. I generally see somebody I know on TV on Bloomberg/CNBC etc. once or twice a week. This sounds cool, until I remind myself that I see somebody I know on ESPN five days a week.
 

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