[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_prac-48-015":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","c12",{"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-48-015","48",15,"針對購屋、子女教育與退休等目標的資金配置，採用「目標並進投資法」，下列敘述何者正確？",[13,14,15,16],"建議客戶延長每一目標達成年限","建議客戶於同一時間只設定一個目標","建議客戶先完成比較容易達成的目標","建議客戶先完成近期目標",0,"全方位理財規劃",1,"目標並進投資法是同時準備多個目標，因資金分散、單一目標可用金額變少，故須延長各目標達成年限以兼顧，(1)正確。(2)(3)(4)屬逐一或先近期完成的單目標法，並非並進法精神。","medium",[23,27,31,34,38,42],{"id":24,"question":25,"qno":26},"fin_plan_prac-46-012","在設定家庭長期理財目標時，下列何者非考量之重點？",12,{"id":28,"question":29,"qno":30},"fin_plan_prac-46-013","一般自營者－小本開店族，於創業前須事先作好周詳的財務規劃，請問其「損益平衡營業額」應如何計算？",13,{"id":32,"question":33,"qno":10},"fin_plan_prac-46-015","達成人生三大理財目標，可以目標順序法與目標並進法兩方式進行，比較兩種方法，下列何者錯誤？",{"id":35,"question":36,"qno":37},"fin_plan_prac-46-021","小張計劃自行開店創業，預期未來 5 年內每年淨收入 80 萬元，若 5 年後將店面轉讓可賣得 200 萬元，在 10%折現率下，合理開店資本額應為下列何者？（取近似值至萬元）",21,{"id":39,"question":40,"qno":41},"fin_plan_prac-46-050","張君從事高危險工作，為防萬一，擬投保壽險，據估計其家庭年支出為 80 萬元，個人支出佔 25%，無負債，假設平均存款利率為 5%，依所得替代法計算，張君應投保金額為若干？",50,{"id":43,"question":44,"qno":45},"fin_plan_prac-47-005","下列哪一種保險會產生資產累積效果？",5,1783434648150]