Phd. is referred as a Training to be a researcher. PhD. takes a lot of time, lots of energy and your complete focus. If a candidate is thinking to pursue it then he/she should keep three basic things in mind Time, Regular or part time, and Research field. Doctorate in finance is all about money. If a candidate is willing to do his doctoral program in management, finance is magnum opus to take. A great field which provides boundless career opportunities.