Let me try:
ACCA is a professional cert in Accounting. In some organisations,
they recognize it as a cert higher than a bachelor degree. However,
pls note, not all organizations "see" it this way. ACCA is also
harder to pass...I have several frens who started off with his/her
acca from yr2000, and till now, have yet to pass. Most are now
starting level 3.
Bachelor (Accounting) is an easier route. And easier to pass.
Finding job is easier. However, if u have a dip, best is work and
study at the same time...you salary will increase with
experience.
Australia bachelor can lead u to CPA --> u have to take Aussie
CPA (5 papers) --> then take S'pore CPA (5 papers)
Having just a dip in accounting "limits" your growth. So what that
you are earning $3k, those with a degree can earn even more. E.g.
my ex-boss who has a bachelor in Accounting (He is 34 this yr) and
he is earning $11k a month.
It depends what u want.
Is it clearer?