CFA ╨┐╤А╨╛╤В╨╕╨▓ CFP

╨а╨░╨╖╨╜╨╕╤Ж╨░ ╨╝╨╡╨╢╨┤╤Г CFA┬о ╨╕ CFP

╨б╨╡╤А╤В╨╕╤Д╨╕╤Ж╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╨╕╤Б╤В ╨┐╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╝╤Г ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╤О (CFP) ╨╕ ╤Б╨╡╤А╤В╨╕╤Д╨╕╤Ж╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╨░╨╜╨░╨╗╨╕╤В╨╕╨║ (CFA) тАФ ╨╛╨┤╨╜╨╕ ╨╕╨╖ ╤Б╨░╨╝╤Л╤Е ╨┐╤А╨╡╤Б╤В╨╕╨╢╨╜╤Л╤Е ╨╖╨▓╨░╨╜╨╕╨╣ ╨┤╨╗╤П ╨╗╤О╨▒╨╛╨│╨╛ ╨╜╨░╤З╨╕╨╜╨░╤О╤Й╨╡╨│╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨║╨╛╨╜╤Б╤Г╨╗╤М╤В╨░╨╜╤В╨░. ╨Т ╤В╨╛ ╨▓╤А╨╡╨╝╤П ╨║╨░╨║ CFP ╨┐╨╛╨╝╨╛╨│╨░╨╡╤В ╤А╨░╨╖╨▓╨╕╨▓╨░╤В╤М ╨╜╨░╨▓╤Л╨║╨╕ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╨║╨░╨┐╨╕╤В╨░╨╗╨╛╨╝ ╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╤П, CFA ╤Д╨╛╨║╤Г╤Б╨╕╤А╤Г╨╡╤В╤Б╤П ╨╜╨░ ╤А╨░╨╖╨▓╨╕╤В╨╕╨╕ ╨╜╨░╨▓╤Л╨║╨╛╨▓ ╤А╨░╤Б╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╤П ╨░╨║╤В╨╕╨▓╨╛╨▓, ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╨░╨╜╨░╨╗╨╕╨╖╨░, ╤Б╤В╤А╨░╤В╨╡╨│╨╕╨╕ ╨┐╨╛╤А╤В╤Д╨╡╨╗╤П ╨╕ ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╤Е ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓.

╨б╨╛╨▒╨╕╤А╨░╨╡╤В╨╡╤Б╤М ╨╗╨╕ ╨▓╤Л ╤Б╨┤╨░╨▓╨░╤В╤М ╤Н╨║╨╖╨░╨╝╨╡╨╜ CFA ╤Г╤А╨╛╨▓╨╜╤П 1? ╨Т╨╖╨│╨╗╤П╨╜╨╕╤В╨╡ ╨╜╨░ ╤Н╤В╨╛╤В ╨┐╨╛╤В╤А╤П╤Б╨░╤О╤Й╨╕╨╣ ╨┐╨╛╨┤╨│╨╛╤В╨╛╨▓╨╕╤В╨╡╨╗╤М╨╜╤Л╨╣ ╨║╤Г╤А╤Б CFA ╤Г╤А╨╛╨▓╨╜╤П 1 ╨┐╤А╨╛╨┤╨╛╨╗╨╢╨╕╤В╨╡╨╗╤М╨╜╨╛╤Б╤В╤М╤О ╨▒╨╛╨╗╨╡╨╡ 70 ╤З╨░╤Б╨╛╨▓.

╨Ю╨│╨╗╨░╨▓╨╗╨╡╨╜╨╕╨╡

• ╨а╨░╨╖╨╜╨╕╤Ж╨░ ╨╝╨╡╨╢╨┤╤Г CFA┬о ╨╕ CFP
  • CFA ╨┐╤А╨╛╤В╨╕╨▓ CFP ╨Ш╨╜╤Д╨╛╨│╤А╨░╤Д╨╕╨║╨░
  • CFA ╨┐╤А╨╛╤В╨╕╨▓ CFP тАУ ╤Б╤А╨░╨▓╨╜╨╕╤В╨╡╨╗╤М╨╜╨░╤П ╤В╨░╨▒╨╗╨╕╤Ж╨░
  • CFA ╨╕╨╗╨╕ CFP тАФ ╤З╤В╨╛ ╨╗╤Г╤З╤И╨╡?
  • ╨Я╨╛╨╗╤Г╤З╨╡╨╜╨╜╤Л╨╡ ╨╜╨░╨▓╤Л╨║╨╕
  • ╨Я╤А╨╛╨┤╨╛╨╗╨╢╨╕╤В╨╡╨╗╤М╨╜╨╛╤Б╤В╤М
  • ╨в╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨╕╨╗╨╕ ╨╛╨┐╤Л╤В
  • ╨г╤З╨╡╨▒╨╜╤Л╨╣ ╨┐╨╗╨░╨╜
  • ╨Ъ╨░╤А╤М╨╡╤А╨░ ╨╕ ╨╖╨░╤А╨┐╨╗╨░╤В╨░
  • ╨б╨▒╨╛╤А╤Л ╨╕ ╨┐╤А╨╛╤Е╨╛╨┤╨╜╤Л╨╡ ╨▒╨░╨╗╨╗╤Л
  • ╨Ф╨╛╤Б╤В╤Г╨┐╨╜╨╛╤Б╤В╤М ╤Н╨║╨╖╨░╨╝╨╡╨╜╨░
  • CFA ╨┐╤А╨╛╤В╨╕╨▓ CFP тАФ ╨║╨░╨║ ╨╖╨░╤А╨╡╨│╨╕╤Б╤В╤А╨╕╤А╨╛╨▓╨░╤В╤М╤Б╤П?
  • ╨Т╤Л╨▓╨╛╨┤╤Л
  • ╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

CFA ╨┐╤А╨╛╤В╨╕╨▓ CFP ╨Ш╨╜╤Д╨╛╨│╤А╨░╤Д╨╕╨║╨░

CFA ╨┐╤А╨╛╤В╨╕╨▓ CFP тАУ ╤Б╤А╨░╨▓╨╜╨╕╤В╨╡╨╗╤М╨╜╨░╤П ╤В╨░╨▒╨╗╨╕╤Ж╨░

╨а╨░╨╖╨┤╨╡╨╗CFA╨б╨д╨Я╨Ю╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ ╨╛╤А╨│╨░╨╜CFA InstituteCFP Board╨и╨░╨▒╨╗╨╛╨╜╨а╨░╨╖╨┤╨╡╨╗╨╡╨╜╨╛ ╨╜╨░ ╤В╤А╨╕ ╤Г╤А╨╛╨▓╨╜╤П тАУ ╤Г╤А╨╛╨▓╨╡╨╜╤М I, ╤Г╤А╨╛╨▓╨╡╨╜╤М II ╨╕ ╤Г╤А╨╛╨▓╨╡╨╜╤М III╨в╨╛╨╗╤М╨║╨╛ 1 ╤Г╤А╨╛╨▓╨╡╨╜╤М╨Я╤А╨╛╨┤╨╛╨╗╨╢╨╕╤В╨╡╨╗╤М╨╜╨╛╤Б╤В╤М ╨║╤Г╤А╤Б╨░╨з╨╡╤В╤Л╤А╨╡ ╨│╨╛╨┤╨░╨в╤А╨╕ ╨│╨╛╨┤╨░╨г╤З╨╡╨▒╨╜╤Л╨╣ ╨┐╨╗╨░╨╜

• ╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╨┐╤А╨╕╨╜╤Ж╨╕╨┐╤Л
• ╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╨░╨╜╨░╨╗╨╕╨╖ ╨╕ ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Б╨║╨╕╨╣ ╤Г╤З╨╡╤В
• ╨г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╨┐╨╛╤А╤В╤Д╨╡╨╗╨╡╨╝

• ╨Ы╨╕╤З╨╜╨╛╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╡ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡

╨н╨║╨╖╨░╨╝╨╡╨╜╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╤Б╨▒╨╛╤А╤Л700-1000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨╖╨░ ╤Г╤А╨╛╨▓╨╡╨╜╤М ╨┐╨╗╤О╤Б 450 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨╖╨░ ╤А╨░╨╖╨╛╨▓╤Г╤О ╤А╨╡╨│╨╕╤Б╤В╤А╨░╤Ж╨╕╤О 825-1025 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓.╨а╨░╨▒╨╛╤В╨░

• ╨Я╨╛╤А╤В╤Д╨╡╨╗╤М╨╜╤Л╨╣ ╨╝╨╡╨╜╨╡╨┤╨╢╨╡╤А╨Я╨╛╤А╤В╤Д╨╡╨╗╤М╨╜╤Л╨╣ ╨╝╨╡╨╜╨╡╨┤╨╢╨╡╤А╨Я╨╛╤А╤В╤Д╨╡╨╗╤М╨╜╤Л╨╣ ╨╝╨╡╨╜╨╡╨┤╨╢╨╡╤А тАФ ╤Н╤В╨╛ ╤Н╨║╤Б╨┐╨╡╤А╤В ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╤А╤Л╨╜╨║╨░, ╨╖╨░╨╜╨╕╨╝╨░╤О╤Й╨╕╨╣╤Б╤П ╤Б╤В╤А╨░╤В╨╡╨│╨╕╤З╨╡╤Б╨║╨╕╨╝ ╨┐╤А╨╛╨╡╨║╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡╨╝ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╤Е ╨┐╨╛╤А╤В╤Д╨╡╨╗╨╡╨╣.╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡
• ╨Ъ╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╣ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╨░╨╜╨░╨╗╨╕╤В╨╕╨║
• ╨Р╨╜╨░╨╗╨╕╤В╨╕╨║-╨╕╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨Р╨╜╨░╨╗╨╕╤В╨╕╨║-╨╕╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М тАФ ╤Н╤В╨╛ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╤П, ╨╛╤Б╨╜╨╛╨▓╨╜╨░╤П ╨╖╨░╨┤╨░╤З╨░ ╨║╨╛╤В╨╛╤А╨╛╨╣ ╨▓╨║╨╗╤О╤З╨░╨╡╤В ╨╕╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╕╤П ╨▓ ╨║╨╛╨╜╨║╤А╨╡╤В╨╜╤Л╤Е ╨╛╨▒╨╗╨░╤Б╤В╤П╤Е, ╨░╨╜╨░╨╗╨╕╨╖ ╤Д╨░╨║╤В╨╛╨▓ ╨╕ ╤Ж╨╕╤Д╤А, ╨╕╨╜╤В╨╡╤А╨┐╤А╨╡╤В╨░╤Ж╨╕╤О ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╛╨▓ ╨░╨╜╨░╨╗╨╕╨╖╨░ ╨╕, ╨╜╨░╨║╨╛╨╜╨╡╤Ж, ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╨╕╤Е ╤Б╤В╤А╤Г╨║╤В╤Г╤А╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╨░╤Г╨┤╨╕╤В╨╛╤А╨╕╨╕, ╨║╨╛╤В╨╛╤А╨░╤П ╨╝╨╛╨╢╨╡╤В ╨╕╨╝╨╡╤В╤М ╨╛╤В╨╜╨╛╤И╨╡╨╜╨╕╨╡ ╨║ ╨╝╨░╤А╨║╨╡╤В╨╕╨╜╨│╤Г, ╤Д╨╕╨╜╨░╨╜╤Б╨░╨╝, ╨╛╨┐╨╡╤А╨░╤Ж╨╕╤П╨╝.╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡
• ╨Ъ╨╛╨╜╤Б╤Г╨╗╤М╤В╨░╨╜╤В

• ╨Я╨╗╨░╨╜╨╕╤А╨╛╨▓╤Й╨╕╨║ ╨╜╨╡╨┤╨▓╨╕╨╢╨╕╨╝╨╛╤Б╤В╨╕
• ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╤Й╨╕╨║
• ╨а╨╕╤Б╨║-╨╝╨╡╨╜╨╡╨┤╨╢╨╡╤А╨а╨╕╤Б╨║-╨╝╨╡╨╜╨╡╨┤╨╢╨╡╤А ╨╛╤В╨▓╨╡╤З╨░╨╡╤В ╨╖╨░ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝╨╕ ╤А╨╕╤Б╨║╨░╨╝╨╕ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╕, ╨╖╨░╤А╨░╨╜╨╡╨╡ ╨▓╤Л╤П╨▓╨╗╤П╤П ╨╕ ╨░╨╜╨░╨╗╨╕╨╖╨╕╤А╤Г╤П ╨┐╨╛╤В╨╡╨╜╤Ж╨╕╨░╨╗╤М╨╜╤Л╨╡ ╤А╨╕╤Б╨║╨╕, ╨░ ╤В╨░╨║╨╢╨╡ ╤А╨░╨╖╤А╨░╨▒╨░╤В╤Л╨▓╨░╤П ╨┐╤А╨╡╨▓╨╡╨╜╤В╨╕╨▓╨╜╤Л╨╡ ╨╝╨╡╤А╤Л ╨┤╨╗╤П ╨┐╨╛╨╗╨╜╨╛╨│╨╛ ╤Г╤Б╤В╤А╨░╨╜╨╡╨╜╨╕╤П ╨╕╨╗╨╕ ╨╝╨╕╨╜╨╕╨╝╨╕╨╖╨░╤Ж╨╕╨╕ ╤Н╤В╨╕╤Е ╤А╨╕╤Б╨║╨╛╨▓.╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡
• ╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╨╝╨╡╨╜╨╡╨┤╨╢╨╡╤А

╨б╨╗╨╛╨╢╨╜╨╛╤Б╤В╤М╨Я╤А╨╛╤Е╨╛╨┤╨╜╤Л╨╡ ╨▒╨░╨╗╨╗╤Л 2019┬а╨│╨╛╨┤╨░

• I ╤Г╤А╨╛╨▓╨╡╨╜╤М тАУ 41%
• ╨г╤А╨╛╨▓╨╡╨╜╤М II тАУ 44%
• ╨г╤А╨╛╨▓╨╡╨╜╤М III тАУ 56%

╨Я╤А╨╛╤Е╨╛╨┤╨╜╤Л╨╡ ╨▒╨░╨╗╨╗╤Л 2019┬а╨│╨╛╨┤╨░

• 62% (╨▓╤Б╨╡╨│╨╛)
• 66% (╨▓╨┐╨╡╤А╨▓╤Л╨╡ ╤Б╨┤╨░╨▓╤И╨╕╨╡ ╤В╨╡╤Б╤В)

╨Ф╨░╤В╨░ ╤Н╨║╨╖╨░╨╝╨╡╨╜╨░╨Ъ╨░╨╗╨╡╨╜╨┤╨░╤А╤М ╨╜╨░ 2022 ╨│╨╛╨┤

• ╨г╤А╨╛╨▓╨╡╨╜╤М I тАФ 15тАУ21 ╤Д╨╡╨▓╤А╨░╨╗╤П, 17тАУ23 ╨╝╨░╤П, 23тАУ29 ╨░╨▓╨│╤Г╤Б╤В╨░, ╨╜╨╛╤П╨▒╤А╤П.
• ╨г╤А╨╛╨▓╨╡╨╜╤М II тАФ 22тАУ26 ╤Д╨╡╨▓╤А╨░╨╗╤П, 30 ╨░╨▓╨│╤Г╤Б╤В╨░ тАФ 3 ╤Б╨╡╨╜╤В╤П╨▒╤А╤П, ╨╜╨╛╤П╨▒╤А╤М.
• ╨г╤А╨╛╨▓╨╡╨╜╤М III тАФ 24тАУ26 ╨╝╨░╤П, 30 ╨░╨▓╨│╤Г╤Б╤В╨░ тАФ 06 ╤Б╨╡╨╜╤В╤П╨▒╤А╤П.

╨Ъ╨░╨╗╨╡╨╜╨┤╨░╤А╤М ╨╜╨░ 2022 ╨│╨╛╨┤

• 8 тАУ 15 ╨╝╨░╤А╤В╨░
• 12 тАУ 19 ╨╕╤О╨╗╤П
• 1тАУ8 ╨╜╨╛╤П╨▒╤А╤П

CFA ╨╕╨╗╨╕ CFP тАФ ╤З╤В╨╛ ╨╗╤Г╤З╤И╨╡?

╨Ю╨┤╨╕╨╜ ╨╕╨╖ ╤Б╨░╨╝╤Л╤Е ╨▓╨░╨╢╨╜╤Л╤Е ╨▓╨╛╨┐╤А╨╛╤Б╨╛╨▓, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╤А╨╕╤Е╨╛╨┤╨╕╤В ╨╜╨░╨╝ ╨╜╨░ ╤Г╨╝, тАФ ╨║╨░╨║╨╛╨╣ ╨▓╨░╤А╨╕╨░╨╜╤В ╨╗╤Г╤З╤И╨╡ CFA ╨╕ CFP? ╨Ю╤В╨▓╨╡╤В ╨╖╨░╨║╨╗╤О╤З╨░╨╡╤В╤Б╤П ╨▓ ╤В╨╛╨╝, ╤З╤В╨╛ ╨╛╨▒╨╡ ╤Н╤В╨╕ ╨┤╨╛╨╗╨╢╨╜╨╛╤Б╤В╨╕ ╨▓╤Л╤Б╨╛╨║╨╛ ╤Ж╨╡╨╜╤П╤В╤Б╤П ╨▓ ╤Б╤Д╨╡╤А╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨║╨╛╨╜╤Б╤Г╨╗╤М╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╤П. ╨Ы╤О╨▒╨╛╨╣ ╨║╨░╨╜╨┤╨╕╨┤╨░╤В ╤Б ╤Б╨╡╤А╤В╨╕╤Д╨╕╨║╨░╤В╨╛╨╝ CFA ╨╕╨╗╨╕ ╨╖╨╜╨░╨║╨╛╨╝ CFP ╤Б╤В╨░╨╜╨╛╨▓╨╕╤В╤Б╤П ╨╛╨┐╤Л╤В╨╜╤Л╨╝ ╨▓ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝ ╨▒╤Г╨┤╤Г╤Й╨╕╨╝ ╨║╨╗╨╕╨╡╨╜╤В╨░. ╨б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛, ╨▓╤Л╨▒╨╛╤А ╨╝╨╡╨╢╨┤╤Г CFA ╨╕ CFP ╨┤╨╛╨╗╨╢╨╡╨╜ ╨╛╤Б╨╜╨╛╨▓╤Л╨▓╨░╤В╤М╤Б╤П ╨╕╤Б╨║╨╗╤О╤З╨╕╤В╨╡╨╗╤М╨╜╨╛ ╨╜╨░ ╤Б╤В╤А╨╡╨╝╨╗╨╡╨╜╨╕╨╕ ╨║ ╨║╨░╤А╤М╨╡╤А╨╡, ╨┐╨╛╤Б╨║╨╛╨╗╤М╨║╤Г ╨╗╤О╨▒╨╛╨╣ ╨╕╨╖ ╨║╤Г╤А╤Б╨╛╨▓ ╨╝╨╛╨╢╨╡╤В ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╕╤В╤М ╨╖╨░╤Е╨▓╨░╤В╤Л╨▓╨░╤О╤Й╤Г╤О ╨║╨░╤А╤М╨╡╤А╤Г ╨▓ ╨╛╨▒╨╗╨░╤Б╤В╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓. ╨Ш╤В╨░╨║, ╨┤╨░╨▓╨░╨╣╤В╨╡ ╤Г╨│╨╗╤Г╨▒╨╕╨╝╤Б╤П, ╤З╤В╨╛╨▒╤Л ╨▒╨╛╨╗╨╡╨╡ ╨┐╨╛╨┤╤А╨╛╨▒╨╜╨╛ ╨┐╨╛╨╜╤П╤В╤М ╤Н╤В╨╕ ╨┤╨▓╨░ ╨╛╨▒╨╛╨╖╨╜╨░╤З╨╡╨╜╨╕╤П ╨▓ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╤Е ╤А╨░╨╖╨┤╨╡╨╗╨░╤Е.

╨Я╨╛╨╗╤Г╤З╨╡╨╜╨╜╤Л╨╡ ╨╜╨░╨▓╤Л╨║╨╕

╨б╤В╨░╨▓ ╨╛╨▒╨╗╨░╨┤╨░╤В╨╡╨╗╨╡╨╝ ╤Б╨╡╤А╤В╨╕╤Д╨╕╨║╨░╤В╨░ CFA, ╨║╨░╨╜╨┤╨╕╨┤╨░╤В ╤А╨░╨╖╨▓╨╕╨▓╨░╨╡╤В ╨╛╤В╨╗╨╕╤З╨╜╤Л╨╡ ╨╜╨░╨▓╤Л╨║╨╕ ╨╝╨╛╨┤╨╡╨╗╨╕╤А╨╛╨▓╨░╨╜╨╕╤П, ╨░╨╜╨░╨╗╨╕╤В╨╕╤З╨╡╤Б╨║╨╕╨╡ ╤Б╨┐╨╛╤Б╨╛╨▒╨╜╨╛╤Б╤В╨╕, ╨╜╨░╨▓╤Л╨║╨╕ ╨┐╤А╨╕╨╜╤П╤В╨╕╤П ╤А╨╡╤И╨╡╨╜╨╕╨╣ ╨╕ ╨║╨╛╨╝╨╝╤Г╨╜╨╕╨║╨░╤В╨╕╨▓╨╜╤Л╨╡ ╨╜╨░╨▓╤Л╨║╨╕. ╨в╨╛╤З╨╜╨╛ ╤В╨░╨║ ╨╢╨╡ ╨╛╨▒╨╗╨░╨┤╨░╤В╨╡╨╗╤М ╨╖╨╜╨░╨║╨░ CFP ╤В╨░╨║╨╢╨╡ ╨┐╤А╨╕╨╛╨▒╤А╨╡╤В╨░╨╡╤В ╨╜╨░╨▓╤Л╨║╨╕ ╤Б╤В╤А╨░╤В╨╡╨│╨╕╤З╨╡╤Б╨║╨╛╨│╨╛ ╨╝╤Л╤И╨╗╨╡╨╜╨╕╤П, ╨┐╤А╨╛╨┤╨░╨╢ ╨╕ ╨╝╨░╤А╨║╨╡╤В╨╕╨╜╨│╨░, ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╨▓╨╖╨░╨╕╨╝╨╛╨╛╤В╨╜╨╛╤И╨╡╨╜╨╕╤П╨╝╨╕ ╨╕ ╨╛╨▒╤Й╨╡╨╜╨╕╤П.

╨Я╤А╨╛╨┤╨╛╨╗╨╢╨╕╤В╨╡╨╗╤М╨╜╨╛╤Б╤В╤М

╨Э╨░╤З╨╕╨╜╨░╤О╤Й╨╕╨╣ ╨║╨░╨╜╨┤╨╕╨┤╨░╤В CFA ╨┤╨╛╨╗╨╢╨╡╨╜ ╤Б╨┤╨░╤В╤М ╤В╤А╨╕ ╤Г╤А╨╛╨▓╨╜╤П ╤Н╨║╨╖╨░╨╝╨╡╨╜╨╛╨▓ ╨╕ ╨╕╨╝╨╡╤В╤М ╤З╨╡╤В╤Л╤А╨╡ ╨│╨╛╨┤╨░ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨│╨╛ ╨╛╨┐╤Л╤В╨░, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╝╨╛╨╢╨╜╨╛ ╨┐╤А╨╛╨╣╤В╨╕ ╨┤╨╛, ╨▓╨╛ ╨▓╤А╨╡╨╝╤П ╨╕╨╗╨╕ ╨┐╨╛╤Б╨╗╨╡ ╨╖╨░╨▓╨╡╤А╤И╨╡╨╜╨╕╤П CFA. ╨б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛, ╨┐╤А╨╛╨╣╤В╨╕ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╤Г CFA ╨╝╨╛╨╢╨╜╨╛ ╨╖╨░ 4 ╨│╨╛╨┤╨░. ╨б ╨┤╤А╤Г╨│╨╛╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л, ╨║╨░╨╜╨┤╨╕╨┤╨░╤В, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨╖╨░╤А╨╡╨│╨╕╤Б╤В╤А╨╕╤А╨╛╨▓╨░╨╗╤Б╤П ╨╜╨░ CFP, ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╤А╨╛╨╣╤В╨╕ ╤В╨╛╨╗╤М╨║╨╛ 1 ╤Г╤А╨╛╨▓╨╡╨╜╤М, ╨╜╨╛ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╤А╨╛╨╣╤В╨╕ 6000 ╤З╨░╤Б╨╛╨▓ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨│╨╛ ╨╛╨┐╤Л╤В╨░ ╨╕ ╨┐╤А╨╛╨╣╤В╨╕ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╤Г CFP ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╤В╤А╨╡╤Е ╨╗╨╡╤В.

╨в╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨╕╨╗╨╕ ╨╛╨┐╤Л╤В

╨з╤В╨╛╨▒╤Л ╤Б╤В╨░╤В╤М ╨╛╨▒╨╗╨░╨┤╨░╤В╨╡╨╗╨╡╨╝ ╤Б╨╡╤А╤В╨╕╤Д╨╕╨║╨░╤В╨░ CFA, ╨╜╨╡╨╛╨▒╤Е╨╛╨┤╨╕╨╝╨╛ ╨┐╨╛╨╗╤Г╤З╨╕╤В╤М ╤Б╤В╨╡╨┐╨╡╨╜╤М ╨▒╨░╨║╨░╨╗╨░╨▓╤А╨░ ╨╕ ╨╕╨╝╨╡╤В╤М ╨╜╨╡ ╨╝╨╡╨╜╨╡╨╡ ╤З╨╡╤В╤Л╤А╨╡╤Е ╨╗╨╡╤В ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤Й╨╡╨│╨╛ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨│╨╛ ╨╛╨┐╤Л╤В╨░. ╨б ╨┤╤А╤Г╨│╨╛╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л, ╤Б╨╛╨╕╤Б╨║╨░╤В╨╡╨╗╤М CFP ╨┤╨╛╨╗╨╢╨╡╨╜ ╨╕╨╝╨╡╤В╤М ╤Б╤В╨╡╨┐╨╡╨╜╤М ╨▒╨░╨║╨░╨╗╨░╨▓╤А╨░ ╨╕ 6000 ╤З╨░╤Б╨╛╨▓ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤Й╨╡╨│╨╛ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨│╨╛ ╨╛╨┐╤Л╤В╨░ ╨╕╨╗╨╕ 4000 ╤З╨░╤Б╨╛╨▓ ╤Б╤В╨░╨╢╨╕╤А╨╛╨▓╨║╨╕. ╨в╨╡╨╝ ╨╜╨╡ ╨╝╨╡╨╜╨╡╨╡, ╤Б╤Г╤Й╨╡╤Б╤В╨▓╤Г╨╡╤В ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛╤Б╤В╤М ╤Б╨╛╤З╨╡╤В╨░╤В╤М ╨╛╨▒╤А╨░╨╖╨╛╨▓╨░╨╜╨╕╨╡ ╨╕ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╤Л╨╣ ╨╛╨┐╤Л╤В, ╨┐╨╛╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛ ╨╕ ╨╜╨╡ ╨┐╨╡╤А╨╡╨║╤А╤Л╨▓╨░╤П ╨┤╤А╤Г╨│ ╨┤╤А╤Г╨│╨░, ╤З╤В╨╛╨▒╤Л ╨▓╤Л╨┐╨╛╨╗╨╜╨╕╤В╤М ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╡ ╨╛ 4-╨╗╨╡╤В╨╜╨╡╨╝ ╨╛╨▒╤Г╤З╨╡╨╜╨╕╨╕.

╨г╤З╨╡╨▒╨╜╤Л╨╣ ╨┐╨╗╨░╨╜

╨Я╤А╨╛╨│╤А╨░╨╝╨╝╨░ CFA ╨┤╨╡╨╗╨╕╤В╤Б╤П ╨╜╨░ ╤В╤А╨╕ ╤Г╤А╨╛╨▓╨╜╤П. ╨г╤А╨╛╨▓╨╡╨╜╤М I ╤Д╨╛╨║╤Г╤Б╨╕╤А╤Г╨╡╤В╤Б╤П ╨╜╨░ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╨┐╤А╨╕╨╜╤Ж╨╕╨┐╨░╤Е, ╤Г╤А╨╛╨▓╨╡╨╜╤М II ╨┤╨╡╨╗╨░╨╡╤В ╤Г╨┐╨╛╤А ╨╜╨░ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╨░╨╜╨░╨╗╨╕╨╖ ╨╕ ╤Г╤З╨╡╤В, ╨░ ╤Г╤А╨╛╨▓╨╡╨╜╤М III ╨┐╨╛╨╝╨╛╨│╨░╨╡╤В ╤А╨░╨╖╨▓╨╕╨▓╨░╤В╤М ╨╜╨░╨▓╤Л╨║╨╕ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╨┐╨╛╤А╤В╤Д╨╡╨╗╨╡╨╝ ╨╕ ╨┐╤А╨╕╨╜╤П╤В╨╕╤П ╤А╨╡╤И╨╡╨╜╨╕╨╣. ╨в╨╡╨╝╤Л ╨╜╨░ ╤В╤А╨╡╤Е ╤Г╤А╨╛╨▓╨╜╤П╤Е ╨╜╨╡╨╝╨╜╨╛╨│╨╛ ╨┐╨╡╤А╨╡╤Б╨╡╨║╨░╤О╤В╤Б╤П. ╨Ю╨▒╤Й╨░╤П ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨░ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╤Л CFA ╨▓╨║╨╗╤О╤З╨░╨╡╤В ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Г╤О ╨╛╤В╤З╨╡╤В╨╜╨╛╤Б╤В╤М. ╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨░╤П ╨╛╤В╤З╨╡╤В╨╜╨╛╤Б╤В╤М. ╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨░╤П ╨╛╤В╤З╨╡╤В╨╜╨╛╤Б╤В╤М ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╨╛╨▒╨╛╨╣ ╤Б╨╕╤Б╤В╨╡╨╝╨░╤В╨╕╤З╨╡╤Б╨║╨╕╨╣ ╨┐╤А╨╛╤Ж╨╡╤Б╤Б ╨╖╨░╨┐╨╕╤Б╨╕ ╨╕ ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╨╡╨╜╨╕╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╨┤╨░╨╜╨╜╤Л╤Е ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕. ╨Ю╤В╤З╨╡╤В╤Л ╨╛╤В╤А╨░╨╢╨░╤О╤В ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╡ ╤Б╨╛╤Б╤В╨╛╤П╨╜╨╕╨╡ ╨╕ ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╤Л ╨┤╨╡╤П╤В╨╡╨╗╤М╨╜╨╛╤Б╤В╨╕ ╤Д╨╕╤А╨╝╤Л ╨╖╨░ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤. ╨Ь╨╡╨╜╨╡╨┤╨╢╨╝╨╡╨╜╤В, ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╤Л, ╨░╨║╤Ж╨╕╨╛╨╜╨╡╤А╤Л, ╤Д╨╕╨╜╨░╨╜╤Б╨╕╤Б╤В╤Л, ╨┐╤А╨░╨▓╨╕╤В╨╡╨╗╤М╤Б╤В╨▓╨╛ ╨╕ ╤А╨╡╨│╤Г╨╗╨╕╤А╤Г╤О╤Й╨╕╨╡ ╨╛╤А╨│╨░╨╜╤Л ╨┐╨╛╨╗╨░╨│╨░╤О╤В╤Б╤П ╨╜╨░ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╨╛╤В╤З╨╡╤В╤Л ╨┐╤А╨╕ ╨┐╤А╨╕╨╜╤П╤В╨╕╨╕ ╤А╨╡╤И╨╡╨╜╨╕╨╣. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ ╨╕ ╨░╨╜╨░╨╗╨╕╨╖, ╤Н╤В╨╕╤З╨╡╤Б╨║╨╕╨╡ ╨╕ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╤Л╨╡ ╤Б╤В╨░╨╜╨┤╨░╤А╤В╤Л, ╤Н╨║╨╛╨╜╨╛╨╝╨╕╨║╨░, ╨┤╨╡╤А╨╕╨▓╨░╤В╨╕╨▓╤Л, ╨╛╤Ж╨╡╨╜╨║╨░ ╨║╨░╨┐╨╕╤В╨░╨╗╨░, ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╡╨╜╨╜╤Л╨╡ ╨╝╨╡╤В╨╛╨┤╤Л, ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╨┤╨╛╤Е╨╛╨┤, ╨░╨╗╤М╤В╨╡╤А╨╜╨░╤В╨╕╨▓╨╜╤Л╨╡ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╕, ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╤Л , ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╨┐╨╛╤А╤В╤Д╨╡╨╗╨╡╨╝ ╨╕ ╤В. ╨┤. ╨б ╨┤╤А╤Г╨│╨╛╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л, ╨б╨╛╨▓╨╡╤В CFP ╤В╤А╨╡╨▒╤Г╨╡╤В, ╤З╤В╨╛╨▒╤Л ╤Г╤З╨╡╨▒╨╜╨░╤П ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨░ ╨║╤Г╤А╤Б╨░ ╨▓╨║╨╗╤О╤З╨░╨╗╨░ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╡ ╨┐╨╛╨▓╨╡╨┤╨╡╨╜╨╕╨╡ ╨╕ ╤А╨╡╨│╤Г╨╗╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡, ╨╛╨▒╤Й╨╕╨╡ ╨┐╤А╨╕╨╜╤Ж╨╕╨┐╤Л ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╤П, ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╤П, ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨╛╨▒╤А╨░╨╖╨╛╨▓╨░╨╜╨╕╤П, ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╤Б╨▒╨╡╤А╨╡╨╢╨╡╨╜╨╕╨╣ ╨╕ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨┤╨╛╤Е╨╛╨┤╨╛╨▓, ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╤А╨╕╤Б╨║╨░╨╝╨╕ ╨╕ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П, ╨╜╨░╨╗╨╛╨│╨╛╨╛╨▒╨╗╨╛╨╢╨╡╨╜╨╕╤П. ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡, ╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨╡╨╜╨╜╨╛╨╡ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡, ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╡ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡ ╨╕ ╤В. ╨┤.

╨Ъ╨░╤А╤М╨╡╤А╨░ ╨╕ ╨╖╨░╤А╨┐╨╗╨░╤В╨░

╨Ю╨▒╨╗╨░╨┤╨░╤В╨╡╨╗╤О ╤Б╨╡╤А╤В╨╕╤Д╨╕╨║╨░╤В╨░ CFA ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╤В╤Б╤П ╤А╨░╨▒╨╛╤В╨░ ╨▓ ╨╛╨▒╨╗╨░╤Б╤В╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓ ╨╕ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨┐╨╛╤А╤В╤Д╨╡╨╗╤М╨╜╨╛╨│╨╛ ╨╝╨╡╨╜╨╡╨┤╨╢╨╡╤А╨░, ╨░╨╜╨░╨╗╨╕╤В╨╕╨║╨░-╨╕╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤П, ╨║╨╛╨╜╤Б╤Г╨╗╤М╤В╨░╨╜╤В╨░, ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╨╛╨│╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨░╨╜╨░╨╗╨╕╤В╨╕╨║╨░, ╨░╨╜╨░╨╗╨╕╤В╨╕╨║╨░ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╨╛-╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╤Е ╤Г╤Б╨╗╤Г╨│, ╨╝╨╡╨╜╨╡╨┤╨╢╨╡╤А╨░ ╨┐╨╛ ╤Б╨▓╤П╨╖╤П╨╝ ╤Б ╨╛╨▒╤Й╨╡╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╤М╤О, ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨║╨╛╨╜╤Б╤Г╨╗╤М╤В╨░╨╜╤В╨░ ╨╕ ╤В. ╨┤. ╨б ╨┤╤А╤Г╨│╨╛╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л, ╨║╨░╨║ ╨╛╨▒╨╗╨░╨┤╨░╤В╨╡╨╗╤М ╤Б╤В╨░╤В╤Г╤Б╨░ CFP, ╨║╨░╨╜╨┤╨╕╨┤╨░╤В╤Г ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╤В╤Б╤П ╤А╨╛╨╗╤М ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╨╕╤Б╤В╨░ ╨┐╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╝╤Г ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╤О, ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨║╨╛╨╜╤Б╤Г╨╗╤М╤В╨░╨╜╤В╨░, ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╤Й╨╕╨║╨░ ╨╜╨╡╨┤╨▓╨╕╨╢╨╕╨╝╨╛╤Б╤В╨╕, ╤В╨╛╤А╨│╨╛╨▓╨╛╨│╨╛ ╨╕ ╨╕╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╤Б╨║╨╛╨│╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░, ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨║╨╛╨╜╤Б╤Г╨╗╤М╤В╨░╨╜╤В╨░, ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨░╨╜╨░╨╗╨╕╤В╨╕╨║╨░, ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╕╤В╨╡╨╗╤П ╨╕ ╤В. ╨┤.

╨Т ╨б╨и╨Р ╨┤╨╡╤А╨╢╨░╤В╨╡╨╗╨╕ ╤Б╨╡╤А╤В╨╕╤Д╨╕╨║╨░╤В╨╛╨▓ CFA ╨▓╨░╤А╤М╨╕╤А╤Г╤О╤В╤Б╤П ╨▓ ╨┤╨╕╨░╨┐╨░╨╖╨╛╨╜╨╡ ╨╛╤В 56 500 ╨┤╨╛ 120 500 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨▓ ╨│╨╛╨┤ ╤Б╨╛ ╤Б╤А╨╡╨┤╨╜╨╡╨╣ ╨╖╨░╤А╨┐╨╗╨░╤В╨╛╨╣ ╨▓ 95 494 ╨┤╨╛╨╗╨╗╨░╤А╨░. ╨б ╨┤╤А╤Г╨│╨╛╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л, ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨░╤П ╨┐╨╗╨░╤В╨░ CFP ╨▓╨░╤А╤М╨╕╤А╤Г╨╡╤В╤Б╤П ╨▓ ╨┤╨╕╨░╨┐╨░╨╖╨╛╨╜╨╡ ╨╛╤В 62 500 ╨┤╨╛ 94 500 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨▓ ╨│╨╛╨┤ ╨┐╤А╨╕ ╤Б╤А╨╡╨┤╨╜╨╡╨╣ ╨╖╨░╤А╨┐╨╗╨░╤В╨╡ ╨▓ 83 123 ╨┤╨╛╨╗╨╗╨░╤А╨░.

╨б╨▒╨╛╤А╤Л ╨╕ ╨┐╤А╨╛╤Е╨╛╨┤╨╜╤Л╨╡ ╨▒╨░╨╗╨╗╤Л

╨б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╤Н╨║╨╖╨░╨╝╨╡╨╜╨░ CFA ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨╛╤В 700 ╨┤╨╛ 1000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨╖╨░ ╤Н╨║╨╖╨░╨╝╨╡╨╜, ╨▓ ╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╤Б╤В╨╕ ╨╛╤В ╨▓╤А╨╡╨╝╨╡╨╜╨╕ ╤А╨╡╨│╨╕╤Б╤В╤А╨░╤Ж╨╕╨╕. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╤Б╤Г╤Й╨╡╤Б╤В╨▓╤Г╨╡╤В ╨╡╨┤╨╕╨╜╨╛╨▓╤А╨╡╨╝╨╡╨╜╨╜╤Л╨╣ ╤А╨╡╨│╨╕╤Б╤В╤А╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ ╤Б╨▒╨╛╤А ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 450 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р, ╨░ ╤Н╤В╨╛ ╨╛╨╖╨╜╨░╤З╨░╨╡╤В, ╤З╤В╨╛ ╨╛╨▒╤Й╨╕╨╡ ╤Б╨▒╨╛╤А╤Л ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╤Л CFA ╨▒╤Г╨┤╤Г╤В ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╤В╤М 2550 ╨╕ 3450 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р. ╨б ╨┤╤А╤Г╨│╨╛╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л, ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨░ CFP ╤Б╤В╨╛╨╕╤В 825 ╨╕ 1025 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨▓ ╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╤Б╤В╨╕ ╨╛╤В ╤А╨╡╨│╨╕╤Б╤В╤А╨░╤Ж╨╕╨╕.

╨Ю╨▒╨░ ╤Н╨║╨╖╨░╨╝╨╡╨╜╨░ ╨╛╨┤╨╕╨╜╨░╨║╨╛╨▓╨╛ ╤Б╨╗╨╛╨╢╨╜╤Л, ╤Б╤Г╨┤╤П ╨┐╨╛ ╨╕╤Е ╤Б╤А╨╡╨┤╨╜╨╡╨╝╤Г ╤Г╤А╨╛╨▓╨╜╤О ╤Г╤Б╨┐╨╡╤И╨╜╨╛╤Б╤В╨╕. ╨Т 2019 ╨│╨╛╨┤╤Г ╨┐╤А╨╛╤Ж╨╡╨╜╤В ╤Б╨┤╨░╤З╨╕ ╤Н╨║╨╖╨░╨╝╨╡╨╜╨░ CFA╨н╨║╨╖╨░╨╝╨╡╨╜ CFA ╤Б╤З╨╕╤В╨░╨╡╤В╤Б╤П ╨╛╨┤╨╜╨╕╨╝ ╨╕╨╖ ╤Б╨░╨╝╤Л╤Е ╤Б╨╗╨╛╨╢╨╜╤Л╤Е ╨┤╨╗╤П ╤Б╨┤╨░╤З╨╕. ╨Т╨░╤И╨░ ╨┐╨╛╨┤╨│╨╛╤В╨╛╨▓╨║╨░, ╤В╨░╨╣╨╝-╨╝╨╡╨╜╨╡╨┤╨╢╨╝╨╡╨╜╤В ╨╕ ╨┐╨╛╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╤Л╨╡ ╨╕╨│╤А╤Л ╨▒╤Г╨┤╤Г╤В ╨╕╨│╤А╨░╤В╤М ╨▓╨░╨╢╨╜╤Г╤О ╤А╨╛╨╗╤М ╨▓ ╨▓╨░╤И╨╡╨╝ ╨┐╤Г╤В╨╡╤И╨╡╤Б╤В╨▓╨╕╨╕. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ ╤Н╨║╨╖╨░╨╝╨╡╨╜╤Л: ╤Г╤А╨╛╨▓╨╡╨╜╤М I: 41%, ╤Г╤А╨╛╨▓╨╡╨╜╤М II: 44% ╨╕ ╤Г╤А╨╛╨▓╨╡╨╜╤М III: 56%. ╨Ф╨╗╤П CFP ╨╛╨▒╤Й╨╕╨╣ ╨┐╤А╨╛╤Ж╨╡╨╜╤В ╤Г╤Б╨┐╨╡╤И╨╜╨╛ ╤Б╨┤╨░╨▓╤И╨╕╤Е ╤Н╨║╨╖╨░╨╝╨╡╨╜ ╨▓ 2019 ╨│╨╛╨┤╤Г ╤Б╨╛╤Б╤В╨░╨▓╨╕╨╗ 62%, ╨▓ ╤В╨╛ ╨▓╤А╨╡╨╝╤П ╨║╨░╨║ ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╤Б╨┤╨░╨▓╤И╨╕╤Е ╤Н╨║╨╖╨░╨╝╨╡╨╜ ╨▓╨┐╨╡╤А╨▓╤Л╨╡ ╤Б╨╛╤Б╤В╨░╨▓╨╕╨╗╨╛ 66%.

╨Ф╨╛╤Б╤В╤Г╨┐╨╜╨╛╤Б╤В╤М ╤Н╨║╨╖╨░╨╝╨╡╨╜╨░

╨н╨║╨╖╨░╨╝╨╡╨╜╤Л ╨╜╨░ ╤В╤А╨╕ ╤Г╤А╨╛╨▓╨╜╤П CFA ╨┐╤А╨╛╤Е╨╛╨┤╤П╤В ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╤А╨░╨╖ ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨│╨╛╨┤╨░. ╨Т 2022 ╨│╨╛╨┤╤Г ╤А╨░╤Б╨┐╨╕╤Б╨░╨╜╨╕╨╡ ╤Н╨║╨╖╨░╨╝╨╡╨╜╨╛╨▓ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╡╨╡:

202 ╤Д╨╡╨▓╤А╨░╨╗╤П2╨╝╨░╨╣ 2022 ╨│.╨░╨▓╨│ 2022 ╨│.╨╜╨╛╤П╨▒╤А╤М 2022 ╨│.╨г╤А╨╛╨▓╨╡╨╜╤М I15тАУ21 ╤Д╨╡╨▓╤А╨░╨╗╤П 17тАУ23 ╨╝╨░╤П 23тАУ29 ╨░╨▓╨│╤Г╤Б╤В╨░ ╨Х╤Й╨╡ ╨╜╨╡ ╨╛╨▒╤К╤П╨▓╨╗╨╡╨╜╨╛╨г╤А╨╛╨▓╨╡╨╜╤М 2 22-26 ╤Д╨╡╨▓╤А╨░╨╗╤П 30 ╨░╨▓╨│╤Г╤Б╤В╨░ — 3 ╤Б╨╡╨╜╤В╤П╨▒╤А╤П ╨Х╤Й╨╡ ╨╜╨╡ ╨╛╨▒╤К╤П╨▓╨╗╨╡╨╜╨╛ ╨г╤А╨╛╨▓╨╡╨╜╤М III 24-26 ╨╝╨░╤П 30 ╨░╨▓╨│╤Г╤Б╤В╨░ — 6 ╤Б╨╡╨╜╤В╤П╨▒╤А╤П

╨н╨║╨╖╨░╨╝╨╡╨╜╤Л ╨╜╨░ CFP ╨┐╤А╨╛╤Е╨╛╨┤╤П╤В ╤В╤А╨╕ ╤А╨░╨╖╨░ ╨▓ ╨│╨╛╨┤ тАУ ╨▓ ╨╝╨░╤А╤В╨╡, ╨╕╤О╨╗╨╡ ╨╕ ╨╜╨╛╤П╨▒╤А╨╡. ╨Т 2022 ╨│╨╛╨┤╤Г ╤Н╤В╨╛ ╨╖╨░╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╛ ╨╜╨░ 8-15 ╨╝╨░╤А╤В╨░, 12-19 ╨╕╤О╨╗╤П ╨╕ 1-8 ╨╜╨╛╤П╨▒╤А╤П.

CFA ╨┐╤А╨╛╤В╨╕╨▓ CFP тАФ ╨║╨░╨║ ╨╖╨░╤А╨╡╨│╨╕╤Б╤В╤А╨╕╤А╨╛╨▓╨░╤В╤М╤Б╤П?

╨Ф╨╗╤П ╨Ъ╨д╨Р,

• ╨б╨╛╨╖╨┤╨░╨╣╤В╨╡ ╤Г╤З╨╡╤В╨╜╤Г╤О ╨╖╨░╨┐╨╕╤Б╤М ╨▓ ╨╕╨╜╤Б╤В╨╕╤В╤Г╤В╨╡ CFA ╨Т╨╡╨▒-╤Б╨░╨╣╤В ╨┤╨╛ ╤А╨╡╨│╨╕╤Б╤В╤А╨░╤Ж╨╕╨╕ ╨╜╨░ ╤Н╨║╨╖╨░╨╝╨╡╨╜. ╨Ю╨┤╨╜╨░╨║╨╛, ╨╡╤Б╨╗╨╕ ╨║╤В╨╛-╤В╨╛ ╨┐╨╗╨░╨╜╨╕╤А╤Г╨╡╤В ╨┐╨╛╨┤╨░╤В╤М ╨╖╨░╤П╨▓╨║╤Г ╨╜╨░ ╨║╨░╨║╤Г╤О-╨╗╨╕╨▒╨╛ ╤Б╤В╨╕╨┐╨╡╨╜╨┤╨╕╤О, ╨╛╨╜ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨╖╨░╤А╨╡╨│╨╕╤Б╤В╤А╨╕╤А╨╛╨▓╨░╤В╤М╤Б╤П ╨╜╨░╨╝╨╜╨╛╨│╨╛ ╤А╨░╨╜╤М╤И╨╡.
• ╨Т╨╜╨╡╤Б╨╕╤В╨╡ ╨╛╨┐╨╗╨░╤В╤Г ╨╖╨░ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤Й╨╕╨╣ ╤Н╨║╨╖╨░╨╝╨╡╨╜.
• ╨Э╨░╨╖╨╜╨░╤З╤М╤В╨╡ ╨▓╤А╨╡╨╝╤П ╤В╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╤П.

╨Ф╨╗╤П ╨б╨д╨Я,

• ╨б╨╛╨╖╨┤╨░╨╣╤В╨╡ ╤Г╤З╨╡╤В╨╜╤Г╤О ╨╖╨░╨┐╨╕╤Б╤М ╨╜╨░ CFP Board ╨Т╨╡╨▒-╤Б╨░╨╣╤В ╨╕ ╨╖╨░╨┐╨╛╨╗╨╜╨╕╤В╨╡ ╤Д╨╛╤А╨╝╤Г ╤А╨╡╨│╨╕╤Б╤В╤А╨░╤Ж╨╕╨╕ ╨╜╨░ ╤Н╨║╨╖╨░╨╝╨╡╨╜.
• ╨Ю╨┐╨╗╨░╤В╨╕╤В╤М ╤А╨╡╨│╨╕╤Б╤В╤А╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ ╨▓╨╖╨╜╨╛╤Б.
• ╨Э╨░╨╖╨╜╨░╤З╤М╤В╨╡ ╨▓╤А╨╡╨╝╤П ╤В╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╤П.

╨Т╤Л╨▓╨╛╨┤╤Л

CFA ╨┐╤А╨╛╤В╨╕╨▓ CFP, ╨║╨░╨║╨╕╨╝ ╨▒╤Л ╨╜╨╕ ╨▒╤Л╨╗ ╨▓╨░╤И ╨║╨╛╨╜╨╡╤З╨╜╤Л╨╣ ╨▓╤Л╨▒╨╛╤А, ╨┐╤Г╤Б╤В╤М ╨╛╨╜ ╨▒╤Г╨┤╨╡╤В ╨╛╤Б╨╛╨╖╨╜╨░╨╜╨╜╤Л╨╝. ╨н╤В╨╛ ╤А╨╡╤И╨╡╨╜╨╕╨╡ ╨┤╨╗╤П ╨▓╨░╤И╨╡╨╣ ╨║╨░╤А╤М╨╡╤А╤Л ╨╕, ╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛, ╨╕╨╝╨╡╨╣╤В╨╡ ╨▓ ╨▓╨╕╨┤╤Г ╨▓╤Б╨╡ ╤Н╤В╨╕ ╨┐╨╗╤О╤Б╤Л ╨╕ ╨╝╨╕╨╜╤Г╤Б╤Л. ╨п ╨╝╨╛╨│ ╨┐╨╛╨╝╨╛╤З╤М ╨▓ ╤В╨╛╨╝ ╨╜╨╡╨╝╨╜╨╛╨│╨╛╨╝, ╤З╤В╨╛ ╤П ╨╝╨╛╨│. ╨Т╤Б╨╡ ╤Б╨░╨╝╨╛╨╡ ╨╗╤Г╤З╤И╨╡╨╡ 🙂

╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

╨н╤В╨╛ ╤А╤Г╨║╨╛╨▓╨╛╨┤╤Б╤В╨▓╨╛ ╨┐╨╛ CFA ╨╕ CFP. ╨Ч╨┤╨╡╤Б╤М ╨╝╤Л ╨╛╨▒╤Б╤Г╨╢╨┤╨░╨╡╨╝ ╨╛╤Б╨╜╨╛╨▓╨╜╤Л╨╡ ╤А╨░╨╖╨╗╨╕╤З╨╕╤П ╨╝╨╡╨╢╨┤╤Г ╨║╨░╤А╤М╨╡╤А╨╛╨╣ CFA ╨╕ CFP, ╤Б╤Е╨╡╨╝╤Г ╤Н╨║╨╖╨░╨╝╨╡╨╜╨╛╨▓, ╨┐╤А╨╛╤Е╨╛╨┤╨╜╤Л╨╡ ╨▒╨░╨╗╨╗╤Л, ╤Б╨▒╨╛╤А╤Л ╨╕ ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛╤Б╤В╨╕ ╤В╤А╤Г╨┤╨╛╤Г╤Б╤В╤А╨╛╨╣╤Б╤В╨▓╨░. ╨Х╤Б╨╗╨╕ ╨▓╤Л ╤Е╨╛╤В╨╕╤В╨╡ ╨╛╤Ж╨╡╨╜╨╕╤В╤М ╨┤╤А╤Г╨│╨╕╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤Б╨╡╤А╤В╨╕╤Д╨╕╨║╨░╤В╤Л, ╨▓╤Л ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨╢╨╡╤В╨╡ ╨╛╤Д╨╛╤А╨╝╨╕╤В╤М ╨╖╨░╨║╨░╨╖ тАУ

• CFA┬о ╨┐╤А╨╛╤В╨╕╨▓ MBA тАУ ╤З╤В╨╛ ╨╗╤Г╤З╤И╨╡?
• ╨б╤А╨░╨▓╨╜╨╕╤В╨╡ ╤Б CMA ╨╕╨╗╨╕ CFP
• ╨Ю╤В╨╗╨╕╤З╨╕╤П CWM ╨╕ CFP
• CFA ╨┐╤А╨╛╤В╨╕╨▓ CMA | ╨Ъ╨░╨║ ╨╗╤Г╤З╤И╨╡?