[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_prac-48-033":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","c9",{"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-48-033","48",33,"有關勞工退休金條例規定，下列敘述何者錯誤？",[13,14,15,16],"勞工年滿 60 歲，工作年資滿 15 年以上者，得選擇請領月退休金","勞工於請領退休金前死亡者，應由其遺屬或指定請領人請領 1 次退休金","勞工得在其每月工資百分之 6 範圍內，自願提繳退休金","提繳之勞工退休金運用收益，不得低於以當地銀行 1 年定期存款利率",3,"退休規劃",1,"勞退新制保證運用收益不得低於當地銀行2年期定存利率,而非1年期,故(4)錯。滿60歲、年資滿15年可選月退,身故由遺屬領一次金,勞工自願提繳上限每月工資6%,皆為正確規定。","medium",[23,27,31,34,38,42],{"id":24,"question":25,"qno":26},"fin_plan_prac-46-010","王先生現年 60 歲，已工作 30 年，假設其每年稅後收入 150 萬元，支出 100 萬元，若合理的理財收入為淨值的5%，則其財務自由度為何？",10,{"id":28,"question":29,"qno":30},"fin_plan_prac-46-014","有關生涯規劃高原期理財活動的敘述，下列何者正確？",14,{"id":32,"question":33,"qno":10},"fin_plan_prac-46-033","每月退休生活費用若有固定收入挹注，則退休金籌備壓力可較小，下列何者非屬前述所指固定收入來源？",{"id":35,"question":36,"qno":37},"fin_plan_prac-46-035","許阿姨現年 50 歲，即刻起每年工作結餘 50 萬元均用於投資，假設每年投資報酬率為 7%，在不考慮通貨膨脹率的情況下，希望退休時能累積至 1,000 萬元以供退休後生活使用，則許阿姨最早能於幾歲時退休？",35,{"id":39,"question":40,"qno":41},"fin_plan_prac-46-036","陳先生計劃於 60 歲退休，退休前期 15 年每年需要 50 萬元，退休後期 10 年每年需要 40 萬元，假設退休期間之實質報酬率為 2%，試以實質報酬率折現法計算陳先生退休時的總退休金需求？（取最接近值）",36,{"id":43,"question":44,"qno":45},"fin_plan_prac-46-037","某甲目前稅前每月收入為 75,000 元，支出 50,000 元，計劃 15 年後退休，退休後之月支出現值為 40,000 元，假設收入成長率為 0%，通貨膨脹率為 2%，請問退休後之所得替代率為多少？（取最接近值）",37,1783434648294]