Korea Certified Pension Expert (연금상담전문가, CPE) cheat sheet
Korea Certified Pension Expert (연금상담전문가, CPE) · Keep the key ideas within reach.
Client goals, household cash flow and planning process
Define scope and compensation.
Separate assets from cash flow.
Use consistent periods and ratio definitions.
Review financial and nonfinancial retirement goals.
Portfolio risk, return and suitability
Assess the goal and client, not only the product.
Diversification does not eliminate every risk.
Keep model assumptions explicit.
A modeled loss quantile is not a worst-case guarantee.
Korean public, workplace and personal pension foundations
Keep public, workplace and personal arrangements distinct.
Check year and coverage period.
A nominal replacement rate is not an individual forecast.
Assess liquidity, longevity, survivor needs and risk together.