[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-fin_plan_prac-46-038":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","c9",{"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-46-038","46",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？",[13,14,15,16],"2,172 萬元","1,452 萬元","973 萬元","253 萬元",2,"退休規劃",1,"現有50萬複利15年，加每年30萬期末年金終值，報酬8%：50×1.08^15≈158.6萬；30×[(1.08^15-1)\u002F0.08]=30×27.15≈814.6萬；合計約973萬。2,172萬高估，253萬僅算單筆或年金之一，1,452萬係數用錯，故選973萬。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"fin_plan_prac-46-010","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？",10,{"id":28,"question":29,"qno":30},"fin_plan_prac-46-014","有關生涯規劃高原期理財活動的敘述，下列何者正確？",14,{"id":32,"question":33,"qno":34},"fin_plan_prac-46-033","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？",33,{"id":36,"question":37,"qno":38},"fin_plan_prac-46-035","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？",35,{"id":40,"question":41,"qno":42},"fin_plan_prac-46-036","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）",36,{"id":44,"question":45,"qno":46},"fin_plan_prac-46-037","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）",37,1783434647488]