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2017年CFA三级考纲变化总结

编辑:Lin/时间:2016-12-15/浏览:101 views

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。

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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。