Chii chinonzi actuary? Actuaries vanoita zvakaoma kuverenga kuti vaone mukana wezviitiko zvakasiyana-siyana zvine chokuita nezviitiko, zvirwere, kudiwa kwevatengi, uye kudyara. Vanoshandisa purogiramu chaiyo yepakombiyuta kuvhara nhamba uye kubudisa matafura, mairafu, nemitemo pamusoro pezvavakawana.
Actuaries inopa ino nhamba yehuwandu kune vashandi veinishuwarenzi, vatariri vemakambani, vanyori vekutsvaga, mabhengi emari ekutsvaga, uye vatungamiri vepenjeni kutsigira zvisarudzo zvavo pamusoro pemutengo wemishuwarenzi mitemo, chigadzirwa chekugadzirwa kwezvinhu / kugadziriswa kwekutsvaga, zvipo zvezviyo, uye kusarudzwa kwezvikwata. Nhoroondo yezvinoarial iyo inogadzira inokosha kuitira kubudirira kwekutengeserana kwemaitiro emakambani emakambani, izvo zvinofanira kuramba zvichinja mabhizinesi avo, R & D, uye mabasa ekutengesa kuti varongedze huwandu hwavo hwehutano hwekutsvaga uye vanovimbisa kugadzikana kwemabasa avo emabhizimisi.
Inotsvaga Job Job Description uye Nemahara Remashoko
Ruzhinji rwevashandi vanoshandira makambani anoshanda nehupenyu, hutano, pfuma, uye kuurawa kwehushuwarisi.
Vamwe vanoshanda kumakambani epenheni, kubvunza makambani, kana masangano ehurumende. Vakawanda vanoenda kune dzimwe nzvimbo vanoenda kuhutungamiri kana zvigaro zvepamusoro apo vanotungamira uye vanotarisira mabasa emahofisi.
Vazhinji vashandi vanobata nguva yakazara mune imwe nzvimbo yehofisi yepahofisi; 25% inoshanda maawa anopfuura makumi mana pavhiki.
Dzidzo, Kudzidziswa, uye Chiratidzo Zvido
Vazhinji vashandi vanowana chigadziro chechikoro chemasvomhu mune masvomhu, sangano rezvinoarial, kana bhizinesi.
Nzira dzekuwanda kwezvikwereti, hupfumi, kombiyuta yesayenzi, calculus, uye mari yehupfumi inopa chikonzero chakanakisisa chekuongororwa kwekugadziriswa uye mabasa ekupinda muzinga.
Zvinyorwa zvinogona kutanga basa ravo sevadzidzi asi pasina chiziviso. Vazhinji vemazuva ano vanowana mazano akawanda, kudzidziswa, uye nguva yekugadzirira kugadzirira miedzo pavanenge vachienda kubasa. Zvisinei, nokuda kwehuwandu hwehutano hwepamusoro, zviitiko zvekugadzirisa zvikwereti zvinofanira kutevera shamwari-uye pamwe-yevheti yepamusoro pamwe chete neCasualty Actuarial Society / CAS (yevashandi vanofarira nzvimbo nematambudziko) kana Society of Actuaries / SOA (kuitira kuti vashande inshuwarisi yehupenyu, inshuwarhu yehutano, kubhadhara mari inobhadharwa, inotengeswa, uye mari yezvemari). Pane imwe nguva, actuary ave pakupedzisira anozivikanwa (mushure memakore mana kusvika kumakore makumi maviri nematanhatu kuti ave neshamwari yevimbiso uyezve mamwe makore 2-3 nokuda kwehukama hwehukama), ivo vachiri kudiwa neCAS uye SOA kuti vapedzise kupfuurira mberi kwezvidzidzo zvedzidzo.
Vadzidzi vegoroji vanogadzirira uye vanopedza imwe kana kuti yakawanda yeongororo idzi dzekuchikoro panguva yechikoro dzichava nechepamusoro mukubhadhara mabasa ekupinda mukati. Mazita ekutanga kuongororwa kwekutanga actuarial certification anosanganisira "Zvichida," "Financial Mathematics," "Actuarial Models: Financial Economics," "Actuarial Models: Upenyu Husingaperi," "Models for Stochastic Processes uye Statistics," uye "Kuvaka uye Kuongorora kweIndaneti Models. "
Kuti vawedzere mikana yavo yekuita basa rinozadza rekupinda sevashandi, vadzidzi vekoroji vanofanirawo kuedza kuita zvidzidzo chimwe chete apo vanogona kushanda pamwe chete nevanoziva. Basa rekuchengetedzwa kwemasikati rinowanzopiwa nemakambani makuru emishuwarenzi, ayo anowanzobhadhara vashandi vavo pakati pe $ 15 ne $ 22 neawa. Zvinotarisirwa zvekushanda kwakadaro zvinosanganisira kupedzisa kwekuongorora imwechete kwekugadzirisa uye GPA ye 3.5 kana kupfuura. Vanyori vekugadziriswa kwekugadziriswa kwemabasa kune dzimwe nguva vanodikanwa kuti vave nemurairo wakanaka weExcel uye we database / nhamba dzinoongorora mitauro yakadai seSQL kana SAS. Nemhaka yokuti actuarial yesayenzi yakadaro inzvimbo yakasarudzwa, kubudirira kugadziriswa kwekudzidzira kunogona kuzarura magonhi kumabasa mashoma pashure pekoroji.
Pasi Pepanhau Mishavha
Kudiwa kwevashandi vari kuwedzera, sezvinoratidzwa zvose nekubhadhara mafambiro uye nekuwedzera kwemari.
Maererano neBhood of Labor Statistics, zvikwereti zvinowana mari inosvika $ 100,610 ($ 48.37 paawa) muna 2016, kuwedzera kwemakore maviri kwe $ 13,910 pamusoro pekubhadharwa kwemadhora emadhora mazana matanhatu nemazana matanhatu muna 2014. Pasi 10% yevashandi vanowana mari inopfuura madhora 58,910 muna 2016 , nepo 10% yepamusoro yakagamuchira $ 186, 250.
Job Outlook for Actuaries
Nhamba yeiyo actuary mabasa inotarisirwa kuwedzera 18% ne2024, uye inotarisirwa 4,400 mabasa matsva achizarura pamusoro pemakore manomwe anotevera.
Mashoko Okukurumidza : Inzvimbo Yepasi ( Occupational Outlook Handbook )
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