[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-fin_plan_prac-48-020":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","c6",{"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-48-020","48",20,"小李原有本金 50 萬元，另信用貸款 200 萬元，全部投資於某金融商品，倘貸款年利率 5%，年投資報酬率為 10%，則一年後其淨值投資報酬率為何？",[13,14,15,16],"20%","30%","50%","70%",1,"理財規劃的計算基礎","總投資=本金50+貸款200=250萬。收益=250×10%=25萬，扣利息200×5%=10萬，淨賺15萬，淨值報酬率=15÷50=30%，故選(2)。其他選項未扣利息或分母用錯。","medium",[22,26,29,33,37,41],{"id":23,"question":24,"qno":25},"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":27,"question":28,"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":30,"question":31,"qno":32},"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":34,"question":35,"qno":36},"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":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",16,1783434648188]