[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_prac-47-017":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-47-017","47",17,"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？",[13,14,15,16],"算數平均法，0%","算數平均法，6.3%","幾何平均法，0%","幾何平均法，6.3%",2,"理財規劃的計算基礎",1,"兩年股價繞回$120,累積報酬為0,幾何平均法算出的年化報酬0%最能反映實際結果,故(3)對;算術平均把第一年+41.7%與第二年−29.4%平均成約6.3%,虛胖高估了報酬,(1)(2)方法或數字皆不符。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"fin_plan_prac-46-017","有關貨幣時間價值的運用，下列敘述何者錯誤？",{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"fin_plan_prac-46-039","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）",39,{"id":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",16,1783434647724]