[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_prac-46-050":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"fin_plan_prac-46-050","46",50,"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？",[13,14,15,16],"1,000 萬元","1,200 萬元","1,600 萬元","2,000 萬元",1,"全方位理財規劃","所得替代法：遺族每年所需＝家庭年支出扣除身故者個人支出＝80萬×(1－25%)＝60萬。以存款利率5%資本化，保額＝60萬÷5%＝1,200萬，可用利息支應遺族生活。1,000、1,600、2,000萬皆非此算式結果。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"fin_plan_prac-46-015","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？",15,{"id":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"fin_plan_prac-47-005","下列哪一種保險會產生資產累積效果？",5,{"id":43,"question":44,"qno":45},"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）",24,1783434647576]