[{"data":1,"prerenderedAt":82},["ShallowReactive",2],{"chapter-fin_plan_prac-c9":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},"退休規劃",9,20,"c9",[11,16,20,24,28,32,36,40,44,48,51,54,57,60,64,67,70,73,76,79],{"id":12,"qno":13,"question":14,"session":15},"fin_plan_prac-46-010",10,"王先生現年 60 歲，已工作 30 年，假設其每年稅後收入 150 萬元，支出 100 萬元，若合理的理財收入為淨值的5%，則其財務自由度為何？","46",{"id":17,"qno":18,"question":19,"session":15},"fin_plan_prac-46-014",14,"有關生涯規劃高原期理財活動的敘述，下列何者正確？",{"id":21,"qno":22,"question":23,"session":15},"fin_plan_prac-46-033",33,"每月退休生活費用若有固定收入挹注，則退休金籌備壓力可較小，下列何者非屬前述所指固定收入來源？",{"id":25,"qno":26,"question":27,"session":15},"fin_plan_prac-46-035",35,"許阿姨現年 50 歲，即刻起每年工作結餘 50 萬元均用於投資，假設每年投資報酬率為 7%，在不考慮通貨膨脹率的情況下，希望退休時能累積至 1,000 萬元以供退休後生活使用，則許阿姨最早能於幾歲時退休？",{"id":29,"qno":30,"question":31,"session":15},"fin_plan_prac-46-036",36,"陳先生計劃於 60 歲退休，退休前期 15 年每年需要 50 萬元，退休後期 10 年每年需要 40 萬元，假設退休期間之實質報酬率為 2%，試以實質報酬率折現法計算陳先生退休時的總退休金需求？（取最接近值）",{"id":33,"qno":34,"question":35,"session":15},"fin_plan_prac-46-037",37,"某甲目前稅前每月收入為 75,000 元，支出 50,000 元，計劃 15 年後退休，退休後之月支出現值為 40,000 元，假設收入成長率為 0%，通貨膨脹率為 2%，請問退休後之所得替代率為多少？（取最接近值）",{"id":37,"qno":38,"question":39,"session":15},"fin_plan_prac-46-038",38,"小張目前已有 50 萬元可供累積退休之用，預備 15 年後退休，假設每年可儲蓄金額為 30 萬元，預估投資報酬率為 8%，屆時可累積的退休金為何？",{"id":41,"qno":22,"question":42,"session":43},"fin_plan_prac-47-033","依勞工退休金條例規定，雇主每月負擔之勞工退休金提撥率，不得低於勞工每月工資之多少比率？","47",{"id":45,"qno":46,"question":47,"session":43},"fin_plan_prac-47-034",34,"有關勞工退休金條例規定，下列敘述何者錯誤？",{"id":49,"qno":26,"question":50,"session":43},"fin_plan_prac-47-035","被保險人於 98 年 1 月 1 日勞工保險條例施行前有保險年資者，在符合請領資格規定時，得選擇一次請領老年給付，下列何者非屬之？",{"id":52,"qno":30,"question":53,"session":43},"fin_plan_prac-47-036","一個完整的退休規劃，應包括工作生涯設計、退休後生活設計及自籌退休金部份的儲蓄投資設計，下列何者非這三項設計的最大影響變數？",{"id":55,"qno":34,"question":56,"session":43},"fin_plan_prac-47-037","某甲即將退休，目前年所得為 30 萬元，假設退休後之所得替代率為 70%，安全支用率為 5%，投資報酬率等於通貨膨脹率，請問夫妻二人生活應準備之退休金為新台幣多少元？",{"id":58,"qno":38,"question":59,"session":43},"fin_plan_prac-47-038","假設儲蓄投資報酬率等於通貨膨脹率，王先生現年 45 歲，無積蓄，每年儲蓄率為 40%，則其必須工作到幾歲退休才能維持現有的生活水準到 75 歲？",{"id":61,"qno":62,"question":63,"session":43},"fin_plan_prac-47-039",39,"小王目前 30 歲，打算 60 歲退休，希望退休後生活水準為工作期之 80%並維持到 75 歲，若目前積蓄為年所得的 5 倍，年儲蓄率為 50%，則 75 歲時小王可累積年所得多少倍之積蓄給子女？（假設儲蓄的投資報酬率等於通貨膨脹率）",{"id":65,"qno":22,"question":47,"session":66},"fin_plan_prac-48-033","48",{"id":68,"qno":46,"question":69,"session":66},"fin_plan_prac-48-034","下列何者非屬國民年金保險的給付項目？",{"id":71,"qno":26,"question":72,"session":66},"fin_plan_prac-48-035","某甲目前月薪為 5 萬元，每月支出 4 萬 6 千元，打算 20 年後退休，預計退休後每月支出淨減少 1 萬 5 千元，假設收入成長率等於通貨膨脹率，則其退休後所得替代率為多少？（取最接近值）",{"id":74,"qno":30,"question":75,"session":66},"fin_plan_prac-48-036","王君現年 40 歲，每年投資 50 萬元，年投資報酬率為 3%，在不考慮通貨膨脹下，希望退休時能至少累積 1,170萬元以供其退休使用，請問王君最早於幾歲時可退休？（取最接近值）",{"id":77,"qno":34,"question":78,"session":66},"fin_plan_prac-48-037","陳君現年 40 歲，希望在 60 歲退休時自行準備 3,000 萬元退休金，其目前有 200 萬元可供投資，年投資報酬率為 10%，請問陳君每年另須投資多少錢？",{"id":80,"qno":62,"question":81,"session":66},"fin_plan_prac-48-039","下列何者不是選擇一次領取退休金或退休年金的重要考量因素？",1783434647134]