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Free Practice Questions for 연금상담전문가 (CPE)

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Key Facts: 연금상담전문가 (CPE) Exam

40 items

Official CPE question count (not this practice bank)

https://test.fpkorea.com/intro?ct=cpe

50 minutes

Official online testing time

https://test.fpkorea.com/intro?ct=cpe

70%

Official passing mark (28 of 40 items)

https://test.fpkorea.com/intro?ct=cpe

KRW 33,000

2026 official examination fee (응시료)

https://test.fpkorea.com/schedule/?ct=cpe

2021-005427

Registered private qualification number (등록민간자격)

https://test.fpkorea.com/intro?ct=cpe

KRW 2.47 million

2026 기초연금 single-household monthly selection amount

https://www.mohw.go.kr/board.es?act=view&bid=0027&list_no=1488478&mid=a10503000000

KRW 349,700

2026 기초연금 single-household monthly maximum (기준연금액)

https://www.mohw.go.kr/board.es?mid=a10503010100&bid=0027&act=view&list_no=1488572

9.5%

2026 국민연금 contribution rate after the 2025 reform (historically 9%)

https://www.nps.or.kr/pnsinfo/ntpsklg/getOHAF0104M0.do

CPE (연금상담전문가) is Korea FP Association's registered private pension-counseling qualification. The official Korean online exam is 40 four-option items in 50 minutes, passing at 70% (28/40), with a 2026 sitting fee of KRW 33,000. This 100-question English bank is independent CPE practice by OpenExamPrep and is not an official translation or substitute.

Sample 연금상담전문가 (CPE) Practice Questions

Try these sample questions to review concepts for the 연금상담전문가 (CPE) exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1What is the official Korean name and English expansion of the CPE credential issued by 한국에프피협회 (Korea FP Association)?
A.국제공인재무설계사 (CFP / Certified Financial Planner)
B.생애설계전문가 (CLPE / Certified Life Planning Expert)
C.연금상담전문가 (CPE / Certified Pension Expert)
D.은퇴설계전문가 (ARPS / Accredited Retirement Planning Specialist)
Explanation: The association's qualification center names this credential 연금상담전문가 (CPE / Certified Pension Expert). It is a registered private qualification (등록민간자격 제2021-005427호) focused on public and private pension counseling, not a general financial-planner designation.
2Which body issues the 연금상담전문가 (CPE) certificate?
A.한국주택금융공사 (Korea Housing Finance Corporation)
B.한국에프피협회 (Korea FP Association / 사단법인한국에프피협회)
C.금융감독원 (Financial Supervisory Service)
D.국민연금공단 (National Pension Service)
Explanation: The official intro lists 사단법인한국에프피협회 as the issuing body, with the Ministry of Health and Welfare as the supervising ministry for this registered private qualification. NPS, FSS, and HF administer other programs, not the CPE certificate.
3In Korea's commonly taught three-layer old-age security system (3층 연금보장체계), which pairing is correct?
A.1st layer public pensions (국민연금 and 기초연금), 2nd layer 퇴직연금, 3rd layer 개인연금
B.1st layer 개인연금, 2nd layer 국민연금, 3rd layer 공무원연금
C.1st layer 주택연금, 2nd layer IRP, 3rd layer 기초연금
D.1st layer 퇴직연금, 2nd layer 주택연금, 3rd layer 기초연금
Explanation: Korean pension counseling treats the first layer as public coverage (기여형 국민연금 plus tax-financed 기초연금), the second as workplace 퇴직연금 (DB/DC/IRP), and the third as voluntary 개인연금. 주택연금 is a reverse-mortgage income tool, not a separate numbered layer in that standard stack.
4How does 한국에프피협회 classify 연금상담전문가 (CPE) under the Framework Act on Qualifications?
A.A ministry civil-service grade examination
B.A national technical qualification (국가기술자격) administered through Q-Net
C.A registered private qualification (등록민간자격 제2021-005427호), not a state-accredited 공인자격
D.A statutory license required to sell any insurance policy
Explanation: The official intro states that CPE is a registered private qualification (등록민간자격) under the Framework Act on Qualifications, registration number 2021-005427, supervising ministry 보건복지부. The same page warns that registration is not the same as state accreditation (국가공인자격).
5In comparative pension design, which description matches a Beveridge-type first-layer model rather than a Bismarck-type social-insurance model?
A.A company DB plan whose investment risk stays with the employer
B.A flat or poverty-prevention public benefit financed largely from general taxation
C.A voluntary personal annuity bought only by high earners
D.Earnings-related benefits funded mainly by worker and employer contributions
Explanation: Beveridge-type first-layer programs emphasize a tax-financed, residence- or citizenship-based floor against poverty. Bismarck-type programs are earnings-related social insurance funded by contributions. Korea mixes both ideas: 기초연금 is closer to a tax-financed floor, while 국민연금 is contribution-based social insurance.
6According to the official CPE intro, which task is a core goal of 연금상담전문가 training?
A.Approving 기초연금 awards for local governments
B.Building a customized pension portfolio and withdrawal strategy for an individual client
C.Replacing 국민연금공단 staff at branch counters
D.Setting the Bank of Korea Base Rate
Explanation: The official intro says CPE training aims at customized pension consulting, cash-flow portfolios, ongoing asset management, and an optimal withdrawal strategy. Counselors study public and private systems; they do not administer statutory awards or monetary policy.
7In the six-step pension design process (연금설계 프로세스 6단계) used in Korean financial-planning practice, what should the counselor do first?
A.Skip monitoring once a product is sold
B.Implement a 주택연금 application before collecting household data
C.Establish the client relationship and engagement terms, including scope and conflicts
D.Buy a personal pension first and gather facts later
Explanation: The standard six-step process begins by establishing the relationship and the scope of advice. Product implementation comes only after data collection, analysis, and a written recommendation. Monitoring continues after implementation.
8During the analysis step of pension design, which activity belongs there rather than in product implementation?
A.Transferring a lump-sum severance payment into an IRP
B.Submitting the CPE examination application
C.Signing the 주택연금 loan documents at the bank
D.Measuring the retirement income gap after listing 국민연금, 퇴직연금, and 개인연금 rights
Explanation: Analysis converts collected facts into a gap: expected public, occupational, and personal income versus the client's spending target. Signing contracts and transferring money are implementation steps that come after recommendations are accepted.
9What does the income replacement rate (소득대체율) measure in pension counseling?
A.Retirement pension income divided by pre-retirement earnings, showing how much of working-life income is replaced
B.The IRP risky-asset cap expressed as a tax credit
C.The share of a house's official price paid as the 주택연금 initial guarantee fee
D.The 기초연금 selection amount divided by the couple maximum
Explanation: Replacement rate is retirement income (or a defined pension amount) divided by a pre-retirement earnings base. Counselors use it to judge whether public plus private pensions can support the client's target lifestyle. It is not a housing-fee ratio or a tax-credit formula.
10A client earned KRW 4,000,000 a month before retirement and now receives KRW 1,200,000 a month from pensions. What is the replacement rate?
A.12%
B.25%
C.30%
D.40%
Explanation: Replacement rate = 1,200,000 ÷ 4,000,000 = 0.30, or 30%. Counselors then compare that 30% with the client's target spending to size any remaining gap from 퇴직연금, 개인연금, or 주택연금.

About the 연금상담전문가 (CPE) Exam

연금상담전문가 (CPE / Certified Pension Expert) is a registered private qualification (등록민간자격 제2021-005427호) issued by 한국에프피협회 (Korea FP Association) under the Ministry of Health and Welfare. The official Korean exam has 40 four-option items in 50 minutes and a 70% pass mark. The seven-chapter curriculum covers pension design, public pensions (국민연금, 기초연금, occupational schemes), private pensions (퇴직연금, 개인연금, 주택연금), the design process, investment, practice, and counseling cases. This OpenExamPrep page is independent CPE practice: an English-language 100-item four-option MCQ study adaptation, not an official translation, approval, or substitute.

Exam sponsor: 한국에프피협회 (Korea FP Association). The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

Official online paper: 연금설계 개요 및 프로세스 5 items, 공적연금제도 and 사적연금제도 20 items, 연금과 투자 5 items, 연금실무와 상담사례 10 items (40 items, 50 minutes). The association notes that subjects may change. Curriculum chapters are 연금설계개요, 공적연금제도, 사적연금제도, 연금설계 프로세스, 연금과 투자, 연금설계 실무, and 상담사례.

Time Limit

50 minutes

Passing Score

70%

Exam / Certification Fees

KRW 33,000 per sitting (2026 official schedule). Education tuition is published by partner schools, not as one association fee.

Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Official sources

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

13%

Pension Design Overview and Process (제1장·제4장)

What a pension is, how Korea's multi-layer system compares with major-country models, the CPE counselor's role, and the six-step design process: relationship, data, analysis, recommendations, implementation, and monitoring.

30%

Public Pension Systems (제2장 공적연금제도)

Public-pension linkage, 기초연금 (2026 selection and maximum amounts), 국민연금 (10-year minimum, 2026 contribution rate, start ages, early and deferred adjustments), 공무원연금, 군인연금, 사학연금, and public-pension tax treatment.

20%

Private Pension Systems (제3장 사적연금제도)

퇴직연금 DB (company investment risk), DC (worker investment risk), and IRP (individual portable account); 개인연금 tax-credit limits; and 주택연금 / 역모기지연금 eligibility and payout features.

13%

Pensions and Investment (제5장 연금과 투자)

Why pension assets are invested, how DC and IRP accounts are managed, accumulation versus withdrawal strategies, target-date funds, the 70% risky-asset limit, and default-option (사전지정운용제도) mechanics.

24%

Practice and Counseling Cases (제6장·제7장)

Design by pension type and client situation, withdrawal sequencing and tax treatment, and single or combined cases that mix 국민연금, 기초연금, 퇴직연금, 개인연금, and 주택연금 cash flows.

Preparing for the 연금상담전문가 (CPE) Exam

What You Need to Know

  • Passing score: 70%
  • Assessment: Official online paper: 연금설계 개요 및 프로세스 5 items, 공적연금제도 and 사적연금제도 20 items, 연금과 투자 5 items, 연금실무와 상담사례 10 items (40 items, 50 minutes). The association notes that subjects may change. Curriculum chapters are 연금설계개요, 공적연금제도, 사적연금제도, 연금설계 프로세스, 연금과 투자, 연금설계 실무, and 상담사례.
  • Time limit: 50 minutes
  • Exam / certification fees: KRW 33,000 per sitting (2026 official schedule). Education tuition is published by partner schools, not as one association fee. Official sources

Using Our Practice Resources

  • Work through all 100 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

연금상담전문가 (CPE): Suggested Study Strategy

1Memorize the official 40-item mix and 70% pass mark, then use this 100-item English bank as extra drill—not as a count of official items.
2Drill 2026 기초연금 thresholds (KRW 2.47 million / KRW 3.952 million) and maximums (KRW 349,700 / KRW 559,520), plus 국민연금 start ages by birth year and the 6% early / 7.2% deferred annual adjustments.
3Practice DB (average wage × years of service), DC (annual wage ÷ 12 plus investment results), IRP portability, and 개인연금 tax-credit math (KRW 6 million / KRW 9 million limits).
4Work housing-pension cases around age 55+, official price KRW 1.2 billion, and younger-spouse age for the monthly payment.
5In counseling cases, gather public-pension rights first, then occupational and personal accounts, then housing-pension cash flow—do not jump to a product.

Frequently Asked Questions

What is 연금상담전문가 (CPE)?

CPE (Certified Pension Expert / 연금상담전문가) is a registered private qualification (등록민간자격 제2021-005427호) issued by 한국에프피협회 (Korea FP Association). The official intro describes training for public and private pension knowledge, portfolio strategy, and customized counseling. It is not a state-recognized accredited qualification (국가공인자격).

How is the official CPE exam structured?

The official Korean online exam has 40 four-option multiple-choice items in 50 minutes. The published mix is 5 items on overview and process, 20 items on public and private pension systems, 5 items on pensions and investment, and 10 items on practice and counseling cases. The passing mark is 70% (28 of 40). The association notes that subjects may change.

What is the 2026 examination fee?

The official 2026 schedule lists 응시료 of KRW 33,000 for each sitting. Education tuition is published by partner schools, not as one association fee. Certificate reissue is KRW 6,000; a qualification confirmation certificate is free on the official intro page.

Is this practice bank an official translation of the CPE exam?

No. The official exam is delivered in Korean. This page is independent CPE practice by OpenExamPrep: an English-language 100-item four-option MCQ study adaptation. It is not an official translation, not a past paper, and not a substitute for the Korean sitting.

Which 2026 public-pension figures should candidates know?

보건복지부 set the 2026 기초연금 selection amounts at KRW 2.47 million per month for a single-person household and KRW 3.952 million for a couple, with standard maximums of KRW 349,700 (single) and KRW 559,520 (couple). 국민연금 still requires 10 years for an old-age pension; the 2026 workplace contribution rate is 9.5% after the 2025 reform (historically 9%), split between employee and employer.