[{"data":1,"prerenderedAt":81},["ShallowReactive",2],{"chapter-fin_plan_prac-c6":3},{"examName":4,"chapter":5,"questions":10},"理財規劃人員專業能力測驗——理財規劃實務",{"name":6,"sort":7,"count":8,"slug":9},"理財規劃的計算基礎",6,19,"c6",[11,16,20,24,28,32,36,39,43,46,50,54,59,62,65,68,71,74,78],{"id":12,"qno":13,"question":14,"session":15},"fin_plan_prac-46-017",17,"有關貨幣時間價值的運用，下列敘述何者錯誤？","46",{"id":17,"qno":18,"question":19,"session":15},"fin_plan_prac-46-020",20,"當保費採「期初」年金年繳 7 萬元，期間 15 年，在報酬率 7%下，如改採躉繳方式繳納，其金額為何？",{"id":21,"qno":22,"question":23,"session":15},"fin_plan_prac-46-039",39,"小郭現有資金 100 萬元，其收入扣除開銷後每年結餘 50 萬元，若希望 20 年後能達到 2,000 萬元之理財目標，而將現有資金及每年之結餘均持續存入定期存款（按年複利，年利率 4%），期間 20 年，則屆時其資金缺口為何？（取最接近值）",{"id":25,"qno":7,"question":26,"session":27},"fin_plan_prac-47-006","如果借入利率 8％的小額信用貸款來償還 18％的信用卡負債，此種理財行為會造成個人資產負債表上如何變化？","47",{"id":29,"qno":30,"question":31,"session":27},"fin_plan_prac-47-011",11,"張先生投資經營一家餐廳，總共投資新台幣 1,000 萬元，其中固定資產投資（含裝潢）為 800 萬元，動產加計其他投資為 200 萬元，預計未來每月總收入 20 萬元，總開銷 10 萬元，則回收期間至少為下列何者恰可收回原投資金額？",{"id":33,"qno":34,"question":35,"session":27},"fin_plan_prac-47-016",16,"有關複利現值係數與複利終值係數，下列敘述何者正確？",{"id":37,"qno":13,"question":38,"session":27},"fin_plan_prac-47-017","某甲投資股票，第一年股價由投資時的$120 漲到$170，第二年股價由$170 跌到$120，假設無股利之發放，下列何者能合理評估平均年報酬率？",{"id":40,"qno":41,"question":42,"session":27},"fin_plan_prac-47-018",18,"每年投資 7.2 萬元，若 20 年期間的年投資報酬率均為 5%，屆時可累積的金額為多少？",{"id":44,"qno":18,"question":45,"session":27},"fin_plan_prac-47-020","王先生花 15 年時間投資基金以累積一筆資金，其於第 1 年年底投資 10 萬元，第 2 年年底投資 30 萬元，而第 3年至第 15 年之每年年底均投資 60 萬元，假設年投資報酬率固定為 5%，則王先生 15 年後共可累積多少錢？（取最近值）",{"id":47,"qno":48,"question":49,"session":27},"fin_plan_prac-47-021",21,"假設預期報酬率 4%下，小李希望在 10 年後能累積一筆 500 萬元創業基金，除計畫每年儲蓄 40 萬元，為達成理財目標，小李至少應於期初投資多少金額？",{"id":51,"qno":52,"question":53,"session":27},"fin_plan_prac-47-050",50,"目前手上有 30 萬元，投資在投資報酬率為 3%的定存，想在 3 年後不用貸款買一部 100 萬元的車子，則另須每年投資多少錢於報酬率 10%之定期定額基金中？（取最接近值）",{"id":55,"qno":56,"question":57,"session":58},"fin_plan_prac-48-013",13,"張先生原有本金 100 萬元，另信用貸款 300 萬元，全部投資於某金融商品，假設貸款年利率 5%，年投資報酬率為 10%，則一年後其淨值投資報酬率為何？","48",{"id":60,"qno":34,"question":61,"session":58},"fin_plan_prac-48-016","有關運用全現金法及自有資金法，在計算借款投資的報酬率，下列敘述何者錯誤？",{"id":63,"qno":41,"question":64,"session":58},"fin_plan_prac-48-018","總報酬率（不為零）與投資年數相同時，有關複利年平均報酬率與單利年平均報酬率之敘述，下列何者正確？",{"id":66,"qno":8,"question":67,"session":58},"fin_plan_prac-48-019","期初投資一筆錢經若干年後，計算包括本金及利息或資本利得所累積金額，其計算方式應採用下列何者？",{"id":69,"qno":18,"question":70,"session":58},"fin_plan_prac-48-020","小李原有本金 50 萬元，另信用貸款 200 萬元，全部投資於某金融商品，倘貸款年利率 5%，年投資報酬率為 10%，則一年後其淨值投資報酬率為何？",{"id":72,"qno":48,"question":73,"session":58},"fin_plan_prac-48-021","甲公司發行五年期面額一百萬元不付息債券，目前市場利率 4%，則此一債券目前市價約為何？",{"id":75,"qno":76,"question":77,"session":58},"fin_plan_prac-48-022",22,"張三每年存三年期固定利率存款 50 萬元，第一年存款收益率為 8%，利率每年下降 2%的情況下，第二年時其總存款平均收益率為何？",{"id":79,"qno":52,"question":80,"session":58},"fin_plan_prac-48-050","假設今年的投資報酬率為 6%，但是今年的通貨膨脹率為 2%，那麼你獲得的實質報酬率約為多少？",1783434647106]