由於自己本身對精算也有興趣，主要是名字看起來太高大上，到時候老爸老媽說出去也臉上有光。而對八大姑七大姨那種只知道比誰的孩子先結婚生胖小子的人來講，會計明顯是一個毫無前途的專業，就是算帳的。只有精算才能堵上他們的嘴。
但是我本身是想留在澳洲的，所以對移民政策也非常關注。最後就發現了一些關於精算的問題。
首先，精算的職業認證需要1年的全職工作經驗。那麼工作好不好找呢？帶著這個問題，我潛入了澳洲當地的一個論壇。
在多次尋找後，發現了一個很有代表性的帖子。
樓主也是國際學生，他發表的原帖如下：
Hi, I am an International student and graduating this year from Leeds University in BSc Economics and Finance with a first degree in the UK and I'm considering to get a master in actuarial science in Australia. Now the choices are ANU's 2.5 year programme, UNSW's and MQ's 2 year programmes. I am planning to get a master then to work for 2 years in financial industry in Australia and then apply for another master in Financial engineering in the UK or in the US. I prefer a quantitative job in financial industry, because I'm so bloody good at math and so terrible at literature. However, I chose the wrong bachelor as economics and this course involves too many "literature" things, which is not my taste. So which university should I choose to fortify my math skills in order to pursue a top master in the US. e.g. Master of Mathematical Finance at MIT, Berkeley, LSE or Oxbridge. Will ANU's world reputation bring me any convenience? Or will MQ's reputation in Actuarial field be better?
Can some one please give me some advice? I know very few about universities in Australia. Many thanks!
後面的回帖，暴露出了一些關於精算比較現實也比較殘酷的問題：
I'm considering to get a master in actuarial science in Australia.
Why?
I am planning to get a master then to work for 2 years in financial industry in Australia
Honestly you will struggle to land a job. A masters degree with no experience will make you look overqualified. The fact you are an international student will just make your situation more dire.
then apply for another master in Financial engineering in the UK or in the US.
Why another masters? Why not apply to the US/UK first?
I prefer a quantitative job in financial industry, because I'm so bloody good at math and so terrible at literature.
Bad news for you, even quantitative jobs require you to write reports about your results. I'm an engineer, a very quantitative discipline, but I do a LOT of report writing.
I chose the wrong bachelor as economics and this course involves too many "literature" things, which is not my taste.
Undergraduate economics is more about the underlying theories and knowledge. Graduate economics is more about maths and modeling. Either way, your quantitative skills are useless if you can't communicate what you did, why you did it, and what the results are.
後面還有很多回帖，內容基本和這個一樣。
另外，在yeeyi網站（還是滴答記不清了）有一張關於精算的討論帖，直接搜「精算」就能很容易找到，內容和澳洲local講的這個是相吻合的。
如果選擇精算，就一定要成績好。讀本科的要努力拿到honor年。
這其實牽扯到澳洲精算師協會的坑爹。由於澳洲精算師協會對於精算師認證太簡單，走的是讀認證課程就可以成為準精算師，造成精算師實際上仍然供大於求（這在全世界都是罕見的）。作為國際學生，另外一方面就是英語一定要好，精算並不只是自己在那裡算就可以，還牽扯到很多report的內容，對於交流的要求也很高。所以這也是很多中國學生的誤區之一，以為只要數學水平好就能做好精算的工作。
所以，真實情況就是找工作很難，而且精算的就業面比較窄，也沒有辦法找相關職業混過職業認證，也沒有職業年課程可以代替。所以沒有找到工作就沒有職業認證，沒有職業認證就不能申請移民，沒有PR就更不好找工作。。。這幾乎是一個死循環。。
最後，如果打算回國發展，精算專業是很值得一讀的，尤其是澳洲國立、新南威爾斯大學、麥考瑞大學、墨大，名氣在國內大，回國發展只看名氣就可以。如果打算移民，我的建議是謹慎考慮精算專業。
特別說明一下，拿綠卡有兩大前提
只有在這兩個的基礎上，才考慮到移民分數夠不夠的問題。
所以在選擇專業時，一定要關注職業評估的要求。比如精算，要求1年相關工作經驗，這個難度還是比較大的，而且沒有像IT類可以用職業年代替的政策。