[{"data":1,"prerenderedAt":41},["ShallowReactive",2],{"q-fin_plan_prac-47-015":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","c5",{"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-47-015","47",15,"理財顧問面對理財價值觀屬於蟋蟀族的客戶，應建議下列何項行為？",[13,14,15,16],"強迫儲蓄","購買房貸清償保險","購買多種基金之投資組合","投資房地產",0,"客戶屬性與理財規劃",1,"蟋蟀族重享受、不擅儲蓄，理財顧問應先以強迫儲蓄（如定期定額、零存整付）建立累積習慣。房貸清償保險、多種基金組合、投資房地產都需先有本金與紀律，對缺乏儲蓄者非首要建議，故選強迫儲蓄。","easy",[23,26,30,33,37],{"id":24,"question":25,"qno":19},"fin_plan_prac-46-001","投資組合中， 固定收益產品佔 10%，股市產品佔 90%，此類產品較適合推介給下列哪一種投資屬性之客戶？",{"id":27,"question":28,"qno":29},"fin_plan_prac-47-003","銀行辦理財富管理業務，應充分了解客戶，有關其作業準則，下列何者錯誤？",3,{"id":31,"question":32,"qno":29},"fin_plan_prac-48-003","理財規劃人員在蒐集客戶資訊、設定理財目標與期望時，下列何者非屬必要？",{"id":34,"question":35,"qno":36},"fin_plan_prac-48-014","有關家庭成熟期的資產狀況，下列敘述何者正確？",14,{"id":38,"question":39,"qno":40},"fin_plan_prac-48-025","林小姐高中畢業後即投入職場，平均年收入為 30 萬元，工作 34 年後退休。其同學王小姐大學畢業，大學 4 年總花費為 150 萬元，畢業後平均年收入為 45 萬元，工作 30 年後退休。假設收入成長率等於通貨膨脹率，請問至退休時，王小姐比林小姐之收入淨增加多少元？",25,1783434647698]