热门阅读
了解CFA官方最新考纲是一个优秀备考计划的开始，掌握好考试的侧重点，接下来按照学习时间来分配即可达到事半功倍的效果。
财金通教育CFA跟我学项目专业讲师王迅以2017年CFA三级考纲为蓝本，参照2016年考纲，总结变更内容，发现2017年CFA三级考纲除了Reading 12做了重新改写，其它全部没变。
Reading 12的名称从LifetimeFinancial Advice:Human Capital,Asset Allocation,and Insurance改为了Risk Management for Individuals，具体的LOS也做了全部改写。
从LOS中可以看出，改写前后的主要内容应该没有太大的变化，只是表述和侧重点可能发生了些变化。
2017年READING 12.RISK MANAGEMENT FORINDIVIDUALS
The candidate should be able to:
a.compare the characteristics of human capital and financial capital as components of an individual’s total wealth;
b.discuss the relationships among human capital,financial capital,and net wealth;
c.discuss the financial stages of life for an individual;
d.describe an economic(holistic)balance sheet;
e.discuss risks(earnings,premature death,longevity,property,liability,and health risks)in relation to human and financial capital;
f.describe types of insurance relevant to personal financial planning;
g.describe the basic elements of a life insurance policy and how insurers price a life insurance policy;
h.discuss the use of annuities in personal financial planning;
i.discuss the relative advantages and disadvantages of fixed and variable annuities;
j.analyze and critique an insurance program;
k.discuss how asset allocation policy may be influenced by the risk characteristics of human capital;
l.recommend and justify appropriate strategies for asset allocation and risk reduction when given an investor profile of key inputs.
2016年READING12.LIFETIME FINANCIAL ADVICE:HUMAN CAPITAL,ASSET ALLOCATION,AND INSURANCE
The candidate should be able to:
a.explain the concept and discuss the characteristics of“human capital”as a component of an investor’s total wealth;
b.discuss the earnings risk,mortality risk,and longevity risk associated with human capital and explain how these risks can be reduced by appropriate portfolio diversification,life insurance,and annuity products;
c.explain how asset allocation policy is influenced by the risk characteristics of human capital and the relative relationships of human capital,financial capital,and total wealth;
d.discuss how asset allocation and the appropriate level of life insurance are influenced by the joint consideration of human capital,financial capital,bequest preferences,risk tolerance,and financial wealth;
e.discuss the financial market risk,longevity risk,and savings risk faced by investors in retirement and explain how these risks can be reduced by appropriate portfolio diversification,insurance products,and savings discipline;
f.discuss the relative advantages of fixed and variable annuities as hedges against longevity risk;
g.recommend basic strategies for asset allocation and risk reduction when given an investor profile of key inputs,including human capital,financial capital,stage of life cycle,bequest preferences,risk tolerance,and financial wealth.
CFA考纲变化的各个知识点是每年考试容易出现的重点，考生在备考复习过程中要尤其重视！
2016年，财金通教育CFA跟我学项目牵手Kaplan，成为Kaplan国内唯一合作方，同时也正式成为Kaplan官方正版学习资料唯一提供商。获得其在学术端、产品端以及版权资料领域的大力支持，同时结合自身在中国金融证书市场上的经验，共同提升双方在金融高端证书市场的品牌影响力，实现真正的“机构、学员、合作方”三赢。
