[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-fin_plan_prac-47-050":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-47-050","47",50,"目前手上有 30 萬元，投資在投資報酬率為 3%的定存，想在 3 年後不用貸款買一部 100 萬元的車子，則另須每年投資多少錢於報酬率 10%之定期定額基金中？（取最接近值）",[13,14,15,16],"12.36 萬元","17.76 萬元","20.31 萬元","23.17 萬元",2,"理財規劃的計算基礎",1,"30萬存3%定存3年後為30×1.03³≈32.78萬，距100萬尚差67.22萬。基金報酬10%、3年期末年金終值係數=1+1.1+1.21=3.31，每年須投入67.22÷3.31≈20.31萬，故選(3)。其他選項未正確扣除定存複利終值或年金係數。","hard",[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-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":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"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？",16,1783434648005]