Korea Associate Financial Planner study guide
Korea Associate Financial Planner · Work through your exam, one topic at a time.
The Korea Associate Financial Planner (KAFP) is an entry-level financial planning credential for people building or formalising a career in personal financial advice in Korea. It suits bank and securities staff moving into advisory roles, insurance agents and consultants broadening beyond product sales, and career-changers who want a structured foundation before pursuing advanced planning designations. The exam is delivered in Korean as multiple choice and samples the whole planning process rather than a single product line: fundamentals and ethics, cash flow and debt management, investment planning, insurance planning, retirement planning, tax planning, estate and inheritance planning, and client communication with practice management. Investment, insurance, retirement and tax carry the largest weight, so budgeting study time accordingly matters. Topics on this exam: Financial Planning Fundamentals and Ethics, Cash Flow and Debt Management, Investment Planning, Insurance Planning, Retirement Planning, Tax Planning, Estate and Inheritance Planning, and Client Communication and Practice Management. The Korea Associate Financial Planner study guide has 8 sections and about 1,587 words.
01재무설계 기본원리와 윤리: 프로세스와 신인의무의 판단 기준
재무설계 기본원리와 윤리는 AFPK 시험에서 '어떤 순서로 일하는가'와 '이해가 충돌할 때 무엇을 우선하는가'를 묻는 영역이다.
222 words, about 1 min02현금흐름과 부채관리: 가계재무제표와 상환비율 진단
총저축률 30% 이상, 부채비율(총부채/총자산) 40% 이하 부채상환비율 = 연 원리금상환액 / 연소득, 30% 이하 권장(은행권 DSR 규제 40%) 비상예비자금 = 유동자산 / 월평균지출, 3~6개월 원리금균등은 매월 납입액이 같고 총이자가 많다. DSR은 신규 대출을 포함한 총부채 원리금 기준이라는 점.
219 words, about 1 min03투자설계: 위험의 측정, 자산배분, 세후 성과
210 words, about 1 min04보험설계: 보험료 원리, 필요보장액, 절세 한도
183 words, under 1 min05은퇴설계: 3층 보장 구조와 연금 과세
2층 퇴직연금은 DB·DC·IRP로 운영되며 DC형 부담금은 연간 임금총액의 1/12 이상이다.
193 words, under 1 min06세무설계: 금융소득 종합과세와 절세 계좌
ISA는 순이익 200만원(서민형 400만원)까지 비과세, 초과분은 9.2% 분리과세된다. ISA는 순이익 200만원까지 비과세, 초과분은 9.2% 분리과세다.
175 words, under 1 min07