<p>Most people apply beginning of senior year. But I'm thinking applying either after I graduate so my GPA can reflect all 4 years which will be higher or take another semester or year to graduate... Which will be better? Apply after i graduate in 4 years or apply beginning of my 5th year. In both cases, all 4 years will be reflected in my gpa. Please don't ask me how much my gpa will rise if i do this. Or is neither encouraged?</p>
<p>Didn't we beat this question to a bloody pulp in your original post? Apply as early as possible. Unless you have actual experience in investment banking, you won't be helping yourself by applying after you graduate. </p>
<p>People who apply are working on the banks schedules, not theirs. They don't apply at the beginning of senior year because they want to, they do it because that's when recruiting season starts to ramp up. You'll be missing out on a lot of recruiting resources and events by skipping those and applying as a post-undergraduate.</p>