[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_prac-47-020":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-47-020","47",20,"王先生花 15 年時間投資基金以累積一筆資金，其於第 1 年年底投資 10 萬元，第 2 年年底投資 30 萬元，而第 3年至第 15 年之每年年底均投資 60 萬元，假設年投資報酬率固定為 5%，則王先生 15 年後共可累積多少錢？（取最近值）",[13,14,15,16],"1,139.16 萬元","1,142.97 萬元","1,214.74 萬元","1,218.36 萬元",0,"理財規劃的計算基礎",1,"各筆終值相加:10×1.05^14+30×1.05^13+60×[(1.05^13−1)÷0.05]≈19.8+56.57+1062.78≈1139.16萬,故選(1);其餘選項因多算或少算期數而偏高。","hard",[23,27,30,34,38,42],{"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":10},"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？",{"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？",16,1783434647745]