[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-fin_plan_prac-48-050":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","c6",{"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-48-050","48",50,"假設今年的投資報酬率為 6%，但是今年的通貨膨脹率為 2%，那麼你獲得的實質報酬率約為多少？",[13,14,15,16],"4%","6%","8%","12%",0,"理財規劃的計算基礎",1,"實質報酬率≈名目報酬率−通貨膨脹率=6%−2%=4%(精算以(1.06÷1.02)−1≈3.9%亦約4%)。故實質報酬率約為4%,其餘選項未扣除通膨或計算有誤。","easy",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"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":28,"question":29,"qno":30},"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？",20,{"id":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"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":44,"question":45,"qno":46},"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？",16,1783434648454]