[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-fin_plan_prac-48-012":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","c4",{"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-48-012","48",12,"陳先生每月平均收入為 10 萬元，其每月基本支出 5 萬元，今計劃達成儲蓄購屋頭期款 300 萬元之目標，若其邊際儲蓄率為 50%，不考慮儲蓄之投資收益，則陳先生須費時多久方可達成其理財目標？",[13,14,15,16],"5 年","10 年","15 年","20 年",1,"家庭現金流量管理","可支配結餘=收入10萬−基本支出5萬=5萬，邊際儲蓄率50%，每月儲蓄=5×50%=2.5萬，年儲蓄30萬。目標300萬÷30萬=10年，故選(2)。其他選項未正確套用邊際儲蓄率或年化。","medium",[22,26,30,34,38,41],{"id":23,"question":24,"qno":25},"fin_plan_prac-46-004","理財人員在協助客戶控管其理財規劃執行進度時，下列建議何者錯誤？",4,{"id":27,"question":28,"qno":29},"fin_plan_prac-47-008","小鍾月薪 10 萬元，每月之薪資所得扣繳 1.3 萬元、勞健保費 4 千元、交通費及餐費 8 千元、固定生活費 4萬元、房貸本息支出 2 萬元，則小鍾的收支平衡點之月收入為多少萬元？",8,{"id":31,"question":32,"qno":33},"fin_plan_prac-47-009","小明目前淨資產為 400 萬元，假設年投資報酬率為 8%，而目前年支出為 200 萬元，則小明的財務自由度為下列何者？",9,{"id":35,"question":36,"qno":37},"fin_plan_prac-47-010","小陳家庭的年基本支出為 40 萬元，而家庭年收入為 100 萬元，年消費支出為 90 萬元，則小陳的邊際消費率為下列何者？",10,{"id":39,"question":40,"qno":10},"fin_plan_prac-47-012","B 君每月固定薪資 10 萬元，每月生活費用為 4 萬元，30 年房貸，每月攤還本利和 2 萬元，假設無其他收入及支出，每月剩餘全額均投資於定存，若存款利率等於通貨膨脹率，則 30 年後 B 君存款金額為何？",{"id":42,"question":43,"qno":44},"fin_plan_prac-47-013","商店收入的 60%是估計的進貨成本，每月租金等雜費為 3 萬元，月收入為 20 萬元，真正賺到的錢為多少？",13,1783434648118]