[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_prac-46-039":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","c6",{"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-46-039","46",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）",[13,14,15,16],"286 萬元","288 萬元","290 萬元","292 萬元",3,"理財規劃的計算基礎",1,"屆時本利＝100萬×1.04^20＋50萬年金終值。100×2.191≈219萬；50×[(1.04^20-1)\u002F0.04]=50×29.78≈1,489萬，共約1,708萬。目標2,000萬減1,708萬＝約292萬缺口。其餘選項多因終值係數取值或四捨五入而略偏。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"fin_plan_prac-46-017","有關貨幣時間價值的運用，下列敘述何者錯誤？",17,{"id":28,"question":29,"qno":30},"fin_plan_prac-46-020","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？",20,{"id":32,"question":33,"qno":34},"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？",6,{"id":36,"question":37,"qno":38},"fin_plan_prac-47-011","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？",11,{"id":40,"question":41,"qno":42},"fin_plan_prac-47-016","有關複利現值係數與複利終值係數，下列敘述何者正確？",16,{"id":44,"question":45,"qno":26},"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？",1783434647497]