MF CREDIT VS MF PE

Hello All,

I wanted to write this post to ask about peoples’ opinions/experiences working in or knowing people who’ve worked on the credit side at Mega Funds like Apollo/KKR. Are they as sweaty as their PE counterparts?

I generally find both Equity/Credit interesting at this point so I am trying to find a good balance between culture/comp/lifestyle as I pivot away from banking. I understand completely that you can’t really have it all, but wanted to see if the credit side is more tolerable with pay that still affords a good lifestyle (ex: I know AS1 for Apollo credit pays ~$175k but is bonus the same as in PE? Curious on how much it differs).

I am in process with some UMM funds and these two roles just came up so I’m trying to see where a good landing place is.

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Thank you. I will add this to my list of variables to consider

 

Comp for origination roles is mostly the same at all levels until you reach the point of carried interest. PE carry > PC carry, but your carry is less risky in PC. You can also expect ~10-20 fewer hours working every week in PC. As someone who originally targeted PE but switched focus to PC, I honestly think a PC career is better than a PE career unless you just want the "prestige" of working in private equity. 

 

Analyst 1 in Private Credit:

Comp for origination roles is mostly the same at all levels until you reach the point of carried interest. PE carry > PC carry, but your carry is less risky in PC. You can also expect ~10-20 fewer hours working every week in PC. As someone who originally targeted PE but switched focus to PC, I honestly think a PC career is better than a PE career unless you just want the "prestige" of working in private equity. 

I will add that “carry” is lower but more stable in PC. Also, tax treatment of carry in PC can be different than PE. PC carry can be taxed as ordinary income, while PE is taxed as capital gains. Big difference.

 
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