随意

Robin 发表于 2007-07-03 23:43:09

我只听说过CFA. 没想到似乎CFP更适合大多数人. CFP 怎样考啊?

雨茜 发表于 2007-07-03 23:47:17

QUOTE:

原帖由 Robin 于 2007-7-3 23:43 发表新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食;bYoZ3w$y)r
我只听说过CFA. 没想到似乎CFP更适合大多数人. CFP 怎样考啊?

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难不成你要考，CFP。随笔南洋网,HbT1_ D'ms(|
没有必要啦！很贵的，而且CFP需要相应的工作经验之后，才会颁发。
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Robin 发表于 2007-07-04 00:04:35

哦. 明白. 9MUZ,jj
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雨茜 发表于 2007-07-04 00:09:28

理解！我也有类似的想法，都一样。
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理财规划这个东西就跟行医一样。

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书本上的知识，毕竟是死的。

clneosg 发表于 2007-07-04 10:59:28

CFP require 2 or 3 yrs, can't remember, of financial industry related experience before they even certify you as CFP. CFP consists of 6 papers. I tried to take CFP 4 yrs ago but never get started as I left the industry after a few months.. haha.. It is not difficult though to understand the concepts and pass the exams.
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All my DipLI, ILP, etc etc licences to practice are domant now as I do not practice it, but still have an interest of discussing with interested parties on general wealth planning.

雨茜 发表于 2007-07-05 16:10:08

QUOTE:

原帖由 clneosg 于 2007-7-4 10:59 发表
*J.Z4Z7|        c新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食CFP require 2 or 3 yrs, can't remember, of financial industry related experience before they even certify you as CFP. CFP consists of 6 papers. I tried to take CFP 4 yrs ago but never get started ...

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需要三年相关工作经验。

future2003 发表于 2007-07-10 20:59:25

网上找的.
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)q'R[rS.|G:PO新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食Comparison of CFA and CFP7q6n!O+X3}|O)VdT)F
by David Harper, CFA, FRM
x3X-p6u{\QtA随笔南洋网Andy Terry and Ashvin Vibhakar published a comparative analysis of CFA and CFP Designation (pdf). This is a helpful report for career-minded professionals especially because they surveyed 300 people who hold both designations (most of whom earned the CFP before the CFA). Their findings support conventional wisdom: the CFA is perceived as a specialist designation for investment analysis and portfolio management while the CFP is perceived "as a generalist designation [that prepares people] for personal financial planning."
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U(X8_2Cj+Wx新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食A customer of ours, with genuine 'Wall Street cred' and who has already sat for the FRM, is sitting for the upcoming CFP. To us he characterized the CFP as tending toward the generalist: "this test covers a broad scope of disciplines, particularly in the arenas of income taxes, retirement planning, health care, SSA, estate planning and education programs for children" and he implied the CFP is more conceptual and less mechanical/mathematical. (Thank you, John!)

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The other way you could view the difference: CFPs tend to advise individuals and their estates (e.g., high net worth). CFAs tend to advise institutions (e.g., mutual funds, pensions, hedge funds).新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食|"sJJ/~.m{8X
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Highlights from the Terry Vibhakar research:新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食&T
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According to US Dept. of Labor, the number of personal financial advisors could jump up to 35% over the next five years; the number of financial analysts is expected to increase 10 to 20% (not annually, cumulative five years).  新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食O2y2wW+xG6y@9Y
Curriculum overlap includes: time value of money, economics, ethics, and investments & portfolio management
Rv#Qr'?w)Z%M\www.sgwritings.comIn regard to career preparation, the CFP got the best marks for helping professionals prepare for: advisory to individuals and families, and advisory on insurance, tax, and retirement planning. In regard to the CFA, highest marks for: investment and portfolio advice, corporate financial statements, individual securities, and institutional portfolios.
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QH5g\D新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食Clearly this sample viewed the CFA as more difficult. 97% said the CFA is "very or extremely challenging" but only 13.5% said the same of the CFP

future2003 发表于 2007-07-10 22:54:06

For Financial Advice: CFP or CFA?-zt
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-I^[4|6}Q+aScott Kays has spent what he estimates to be about 700 hours scaling the investment profession's equivalent of Mt. Everest, and he's no more than two-thirds of the way there.
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HG~"W*Q{G*]www.sgwritings.comThe Atlanta-based investment adviser recently took the second of three rigorous tests to attain the coveted chartered financial analyst, or CFA, designation. The distinction is a career pinnacle for anyone absorbed in nitty-gritty investment research and analysis, and the route to the top is demanding.
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On his examination day in early June, Mr. Kays and about 675 other hopefuls filled a large room in Atlanta's World Congress Center. For three hours in the morning and another three in the afternoon the test-takers would be grilled about the inner workings and valuation of stocks, bonds, hedge funds, derivatives and other exotic investments. In 89 countries around the world that day, almost 100,000 people faced the same hurdle.新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食        lnTi*i6r,z,Il'u
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Mr. Kays will find out in August how he did. If he passes, he'll advance to the third, final test. But why would Mr. Kays, who attained the certified financial planner, or CFP, mark more than two decades ago, knock himself out in this grueling quest for the grail?随笔南洋网"k9`FpmXf

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The CFA exam takes a hard, analytical look at stocks, bonds, hedging strategies and company financial statements. People who achieve the designation typically manage institutional money and mutual funds or become involved with corporate finance. So if you have an adviser who is among the few who have earned the CFA designation, or if his or her firm has a CFA on the payroll, consider it a plus.VhN0dP1~#d)I&h

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In contrast, certified financial planners maintain a broad-based approach to retirement, education, taxes, insurance, estates and other life issues. Investing is a major part -- but just one part -- of the big picture.
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2k,@4R7`0X3V`;N新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食"You can't just be crackerjack on investments and get through the CFP certification exam," says Karen Schaeffer, a Rockville, Md.-based financial planner and chairman of the CFP Board of Standards, which regulates CFP practitioners. "It would be hard to do financial planning without understanding investments, but there's a great deal of financial planning that goes on" beyond investment strategies.
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cO@l?[?Pv0?Yet with many financial advisers now steering clients beyond mutual funds and exchange-traded funds into individual stocks and bonds, there can be a need for the expertise the CFA mark endorses.新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食4s:s[.{}        g8v

4cB&s[c新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食"If I were looking for someone who was going to manage a portfolio of individual common stocks and do the selection and analysis, I'd look for the CFA designation," says John Markese, president of the American Association of Individual Investors. "The CFA has the ability to look at the financial statements and arrive at an informed opinion," he adds.
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{随笔南洋网Of course, you have to understand stocks, bonds and other investments to attain the CFP certification, but it's a more generalized knowledge that's relevant to straightforward personal finance. If your adviser starts highlighting more specialized portfolio strategies, Mr. Markese recommends asking what in his experience and education makes him qualified for the task.
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"If someone has the CFA on board," he says, "that's all the more evidence that they have the confidence to do it."

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Deciding to put clients into individual securities prompted Mr. Kays to pursue the CFA charter. His Level 2 exam in June, for example, covered derivatives, currencies and other sophisticated investing topics. Plus, he's logged many hours poring over balance sheets and income statements to get to the root of a company's accounting and valuation.新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食+`L$Rpe i(PO

](IE0e+_w8g新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食"The CFA takes one area and goes into tremendous detail," Mr. Kays says of the process. "You dig a two-foot hole 10 feet deep. The focus is on investments -- hard-core investments, not estate planning or life planning."www.sgwritings.com~,?F'\6N5ePi

A5RZ^/?~新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食That finer appreciation of investment techniques also led David Strege to seek the CFA mark 20 years ago. The West Des Moines, Iowa-based adviser is a rare investment professional with both the CFP and CFA distinctions.
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"The CFP certification is more about comprehensive financial planning, helping individuals with all facets of their financial life," he says. "The CFA really focuses more in-depth with the creation of investment portfolios and manager or individual securities selection. It helped train me to ask appropriate questions."新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食*y7V [m&L_S


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X+~#B*dl~U4BG新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食"The CFA program is the ultimate meritocracy," says Bob Johnson, managing director of the education division at the CFA Institute, the CFA program's governing body. "Anyone can enter; you have to prove your way out."

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Robin 发表于 2007-07-10 23:11:20

欢迎 future2003.  非常感谢你的文章. 我终于把它读完了. 明白了CFA 和 CFP.

111111 发表于 2007-07-11 10:07:02

明白了，个人投资的话，还是学CFA或找CFA好。

雨茜 发表于 2007-07-11 11:39:34

这篇文章的确清楚地介绍了CFP和CFA的区别。
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雨茜 发表于 2007-07-11 11:42:02

QUOTE:

原帖由 111111 于 2007-7-11 10:07 发表新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食        G?8`^M!ww$O
明白了，个人投资的话，还是学CFA或找CFA好。

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,B        N!u3h)G,?7Yr5~rd5o新加坡,狮城,论坛,博客,文化,文学,社会,时事,移民,留学,投资,美食CFA 还是CFP的确可以做为选择个人投资顾问的一个考量。
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Robin 发表于 2007-07-12 01:08:16

CFA 只专才, CFP 是通才. 发挥优势还要需要看场合.

我来说两句