Chartered Retirement Planning CounselorSM or CRPCÂ®. Individuals who hold the CRPCÂ® designation have completed a course of study encompassing pre-and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations.
the first line of defence â functions that own and manage risk. the second line of defence â functions that oversee or specialise in risk management, compliance. the third line of defence â functions that provide independent assurance, above all internal audit.
I recommend that you avoid defensive companies if you are bearish, and consider counter-cyclical companies instead. When the economy is growing, the emphasis in business is on expanding capacity to meet demand, and the desire of consumers is to spend freely for goods and services they can now afford.