| Every summer, droves of newly minted college | | | | equity research departments as a cost drain and |
| graduates descend on Wall Street for an annual rite | | | | drastically drying up opportunities for recent |
| of passage: two-month training programs. | | | | graduates. |
| Armed with standard signing bonuses and | | | | "Research has been so tapered in terms of |
| Hewlett-Packard financial calculators, these junior | | | | regulatory restrictions," said Shahriar Shahida, who |
| analysts-to-be are treated to professional baseball | | | | recruits undergraduates for Constellation Capital |
| games, cruises around Manhattan and meals in the | | | | Management, a hedge fund in which he is a principal. |
| city's finest steakhouses. In turn, they earnestly listen | | | | "The broad appeal for college hires has diminished, |
| to speeches from senior executives whom they will | | | | especially in terms of compensation." |
| probably never see again. | | | | Though most junior analysts, regardless of division, |
| Tim Nguyen, 22, joined Merrill Lynch last month as a | | | | start at a base salary of ,000 to ,000, those in |
| junior analyst with a research team in San Francisco. | | | | mergers and acquisitions and sales and trading are |
| But since 2001, in the era after the fall of the | | | | eligible for the highest performance bonuses, which in |
| dot-coms and the rise of Eliot Spitzer, the financial | | | | flush times can surpass half their salaries. |
| industry has shed some 55,000 jobs, according to the | | | | Still, Mr. Nguyen insisted he was not in it for the pay. |
| Securities Industry Association, and the ranks of Wall | | | | "I look at it as an opportunity to gain a set of core |
| Street's equity researchers have suffered some of | | | | skills to use in the future," he said, adding that he |
| the highest casualties. The all-expense-paid summer | | | | wanted to burnish his writing, marketing and |
| training ritual is now largely reserved for investment | | | | quantitative abilities, which he could then parlay into |
| banking and trading recruits. College-level research | | | | most any career. |
| hires must train on the job. | | | | In addition to immersion in online finance and |
| Take Tim Nguyen, 22, who joined Merrill Lynch last | | | | compliance training he is required to watch |
| month as a junior analyst with a research team in | | | | best-practices lectures like "Accounting Issues |
| San Francisco that covers mortgage and credit card | | | | Related to Mergers and Acquisitions" and |
| stocks. It was one of the few equity research | | | | "Independent Research: What Is It? What Does It |
| openings at the firm. Merrill no longer has a summer | | | | Mean?" |
| training program for its college research recruits, | | | | "You have to be careful of what you say, and make |
| steepening the learning curve for hires like Mr. | | | | sure you're not violating laws," he said. And, he |
| Nguyen. | | | | added, "You need to make sure that clients and |
| Still, Mr. Ngyuen, who graduated in May with an A- | | | | investors get good, unconflicted research. That's just |
| average from the undergraduate business program at | | | | the bottom line." |
| the University of California, Berkeley, said he turned | | | | Even if he did not have to walk a regulatory minefield |
| down multiple offers from hedge funds, consulting | | | | every day, Mr. Nguyen's job would be demanding. |
| firms and other Wall Street divisions in favor of the | | | | He arrives at the office every morning at 5 (Pacific |
| Merrill Lynch opportunity. | | | | time) to update models and help prepare research |
| "My family doesn't invest at all," he said. "But I enjoy | | | | updates for Merrill's sales force and its clients. |
| tracking stocks and making buy and sell | | | | Between listening to company conference calls and |
| recommendations." Mr. Nguyen's r?sum? notes that | | | | constantly tweaking his earnings models for American |
| he managed two stock portfolios for his college | | | | Express, Fannie Mae and the other 26 companies he |
| investment club, "providing returns competitive with | | | | tracks, he updates PowerPoint marketing |
| the Standard & Poor's 500 index for the same | | | | presentations for the three senior members of his |
| period," and that he led his team to a second-place | | | | team. Soon, he will be expected to hold his own in |
| showing at the National Equities Cup, an online | | | | the face of irate calls from traders and clients and |
| stock-picking tournament. | | | | unforeseen earnings bombshells. |
| Mr. Nguyen also said that he wrote a 25-page term | | | | "A lot of it," he confessed, "is Excel. You start to see |
| paper his final semester, complete with discounted | | | | it in your sleep and dream about it. It's kind of scary." |
| cash flows and probability-weighted growth | | | | If he's lucky, he says, he'll be out of the office at |
| estimates, which argued that Google shares were | | | | 5:30 p.m. That gives him four and a half hours to buy |
| undervalued at 0 (they now trade at 3.50). | | | | groceries, eat dinner and study for his four coming |
| "It was something I put a lot of work into so I could | | | | licensing exams before his 10 p.m. bedtime. He aims |
| be able to mention it in my interviews," he said. "I'd | | | | to be up by 4 to do it all over again. "I used to have |
| say it was a positive return on my time investment." | | | | a hard time waking up for 8 o'clock classes," he said. |
| Equity research used to be a popular destination for | | | | All told, Mr. Nguyen expects to average about 65 |
| college graduates, who were drawn to the chance to | | | | hours a week - and as many as 75 hours during |
| master an industry sector under the tutelage of a | | | | earnings season - at his desk. |
| highly paid analyst who was richly rewarded come | | | | "I have the chance to contribute - not just be that |
| bonus time. But regulations now prohibit the use of | | | | guy who crunches numbers in a cubicle," he said. "I |
| research to win investment-banking business, isolating | | | | can picture myself doing this in 5 or 10 years. |