[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-fin_plan_prac-46-015":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fin_plan_prac","理財規劃人員專業能力測驗——理財規劃實務","c12",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fin_plan_prac-46-015","46",15,"達成人生三大理財目標，可以目標順序法與目標並進法兩方式進行，比較兩種方法，下列何者錯誤？",[13,14,15,16],"目標順序法所需的儲蓄愈來愈高","目標順序法較能與所得逐年增加而負擔能力提升的事實配合","先苦後甘的目標並進法較無法彈性因應目標調整的變化","目標並進法一開始就同時考慮各目標，早期負擔很重，但往後負擔愈來愈輕",2,"全方位理財規劃",1,"目標並進法一開始即同時準備各目標、可隨時調整分配,反而較有彈性;選項說它較無法彈性因應變化,敘述錯誤。其餘關於順序法儲蓄漸增、與所得配合、並進法早期負擔重的敘述皆正確。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"fin_plan_prac-46-012","在設定家庭長期理財目標時，下列何者非考量之重點？",12,{"id":28,"question":29,"qno":30},"fin_plan_prac-46-013","一般自營者－小本開店族，於創業前須事先作好周詳的財務規劃，請問其「損益平衡營業額」應如何計算？",13,{"id":32,"question":33,"qno":34},"fin_plan_prac-46-021","小張計劃自行開店創業，預期未來 5 年內每年淨收入 80 萬元，若 5 年後將店面轉讓可賣得 200 萬元，在 10%折現率下，合理開店資本額應為下列何者？（取近似值至萬元）",21,{"id":36,"question":37,"qno":38},"fin_plan_prac-46-050","張君從事高危險工作，為防萬一，擬投保壽險，據估計其家庭年支出為 80 萬元，個人支出佔 25%，無負債，假設平均存款利率為 5%，依所得替代法計算，張君應投保金額為若干？",50,{"id":40,"question":41,"qno":42},"fin_plan_prac-47-005","下列哪一種保險會產生資產累積效果？",5,{"id":44,"question":45,"qno":46},"fin_plan_prac-47-024","王家夫妻二人稅前年薪合計為 300 萬元（適用 30%所得稅率），每個月房租及生活費為 7 萬元，預計工作 30年後退休，退休後須預留 20 年生活費，若養育每個小孩之生涯費用為 1,000 萬元，則他們至多可養育幾個孩子？（假設收入成長率與通貨膨脹率相抵銷）",24,1783434647321]