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Financial economics is a branch of economics that deals with the analysis of financial markets, financial institutions and financial decisions. It is an applied discipline that uses both theoretical and empirical approaches to study issues related to finance and investment. The most important topics in financial economics include:

• Investment Decisions: Financial economics studies how investment decisions are made, particularly how companies decide which projects to finance and how they will be financed.
• Capital market theory: Capital market theory deals with the pricing and behavior of stocks, bonds and other financial instruments on the capital market.
• Portfolio Theory: Portfolio theory is concerned with designing portfolios to minimize risk and maximize return.
• Risk management : Financial economics studies how companies and financial institutions identify, measure, and manage risks to minimize losses.
• Financial intermediation: Financial intermediaries such as banks, investment funds and insurance companies play an important role in financing and investments. The Financial economics examines how these institutions function and how they manage risks.
• Behavioral Finance: Behavioral finance studies how psychological factors can influence financial behavior, particularly how irrational decisions and emotions can influence financial markets.
• Corporate Finance: Corporate finance deals with the financing and investment of companies and how these decisions affect company performance.

Financial economics has many practical applications, particularly in the financial industry, but also in other industries such as real estate and government.

What education is required to become a financial economist?

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To become a financial economist, you usually need a degree in economics or business administration that specializes in finance, investments, capital markets or similar areas. A bachelor's degree is often sufficient, but a master's degree may be preferred in some cases. Some universities and business schools also offer specialized courses in financial economics.

In addition to formal education, it may also be beneficial to have relevant work experience in the financial industry or obtain professional certifications such as Chartered Financial Analyst (CFA) or Financial Risk Manager (FRM). These certifications show employers that the applicant has in-depth knowledge and skills in the field of finance.

In which areas do financial economists work?

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Financial economists work in a variety of industries dealing with finance and investing. This includes:

• Banks and Financial Institutions: Financial economists often work in banks, insurance companies, investment companies, and other financial institutions to manage portfolios, assess risks, and make investment decisions.
• Government Agencies: Financial economists may work in government agencies to analyze the economic effects of political decisions and develop financial policy.
• Consulting Firms: Financial economists may also work in consulting firms that assist clients with investment decisions, mergers and acquisitions, and other financial topics.
• Academic Institutions: Some financial economists work in universities and research institutions where they conduct research and provide teaching in financial economics and related areas.
• Businesses: Financial economists may also work in businesses, where they analyze the company's financial performance and stability, make investment decisions, and develop financial strategies.
• Non-profit organizations: Some financial economists also work in non-profit organizations to identify funding sources, manage budgets, and ensure the organization's financial sustainability.

How much does a financial economist earn in Switzerland?

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The salary of a financial economist in Switzerland depends on various factors such as experience, industry, level of education and position. According to a 2021 salary survey by the Swiss Employers' Association, a financial economist in Switzerland earns an average of between CHF 100,000 and CHF 160,000 per year. This information refers to professionals with a bachelor's or master's degree. However, top managers in the financial industry can earn significantly higher salaries. It should also be noted that the cost of living in Switzerland is very high compared to other countries, so salaries are often higher to reflect these costs.

How much does a financial economist earn in Germany?

The salary of a financial economist in Germany varies greatly depending on experience, educational qualifications, industry and position. According to a salary analysis by the job platform Lohn.de from 2021, the average salary for a financial economist in Germany is around 64,000 euros gross per year. However, top managers in the financial industry and financial professionals with specialized knowledge and skills can earn significantly higher salaries.

It should also be noted that the cost of living can be very different in different parts of Germany, which means that the salary may vary in different regions.