[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_prac-48-036":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-48-036","48",36,"王君現年 40 歲，每年投資 50 萬元，年投資報酬率為 3%，在不考慮通貨膨脹下，希望退休時能至少累積 1,170萬元以供其退休使用，請問王君最早於幾歲時可退休？（取最接近值）",[13,14,15,16],"54 歲","56 歲","58 歲","60 歲",2,"退休規劃",1,"年金終值=50×((1.03^n−1)÷3%)=1,170,得(1.03^n−1)÷0.03=23.4,1.03^n=1.702,n≈18年;40+18=58歲即可退休。年數不足則累積金額達不到1,170萬。","medium",[23,27,31,35,39,42],{"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":34},"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？",33,{"id":36,"question":37,"qno":38},"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":40,"question":41,"qno":10},"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）",{"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）",37,1783434648322]