[{"data":1,"prerenderedAt":34},["ShallowReactive",2],{"q-fin_plan_prac-48-023":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","c7",{"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-48-023","48",23,"有關子女養育與教育金規劃，下列敘述何者錯誤？",[13,14,15,16],"考慮購屋支出，要將子女的居住空間計算在內","單薪與雙薪家庭的抉擇除了涉及親子關係與工作價值觀的判斷外，尚需兼顧現實環境與家庭收支型態的影響","未來上大學所需準備的教育基金 = 目前大學之教育金總花費水準 × 複利終值係數","養育子女數 =（家庭生涯支出 - 夫妻生涯費用 - 購屋總價）÷ 每個子女生涯支出負擔",3,"子女教育金規劃",1,"養育子女數應以家庭生涯支出扣除夫妻費用後除以每名子女負擔，購屋屬自用資產不應在分子扣除，故(4)公式錯誤。(1)(2)(3)對居住空間、家庭型態抉擇及教育金複利終值描述皆正確。","medium",[23,27,31],{"id":24,"question":25,"qno":26},"fin_plan_prac-46-024","小華距就讀大學醫科還有 12 年，預估屆時共須花費學費 210 萬元。如果投資組合年報酬率為 8%，小華的家人每年約須提撥多少金額作為教育金準備？（取最接近值）",24,{"id":28,"question":29,"qno":30},"fin_plan_prac-47-022","有關子女教育金規劃的概念，下列何者錯誤？",22,{"id":32,"question":33,"qno":10},"fin_plan_prac-47-023","陳先生準備 15 年後提供 200 萬元子女教育基金，目前手上有 50 萬元將作為投資用，預期年報酬率為 6%，則他另須每年投資多少錢方可達成其預期目標？（取最接近值）",1783434648215]