[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-fin_plan_prac-46-019":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","c10",{"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-46-019","46",19,"假設目前存款 20 萬元，每年投資 12 萬元，5 年後欲有 100 萬元創業基金，則應選擇何種投資工具？",[13,14,15,16],"年利率 8%之定存","保本率 8%之保本型商品","宣稱投資績效 8%之基金","股東報酬率 8%之股票",0,"投資規劃",1,"需求驗算:20萬×1.08^5≈29.4萬,加每年12萬期末年金終值12×5.867≈70.4萬,合計約99.8萬≈100萬,恰可達標,故選 (A)。關鍵在「確定性」:定存8%是銀行契約約定的利率,能確保達成。(B) 保本型商品只保本金,8%是參與上限而非保證報酬;(C) 基金宣稱的績效不代表未來;(D) 股東報酬率是公司獲利指標,非投資人可實現的報酬,三者皆無法確保達標。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"fin_plan_prac-46-018","風險衡量的基準統計量，下列敘述何者錯誤？",18,{"id":28,"question":29,"qno":30},"fin_plan_prac-46-040","基本面明顯轉差或技術面呈空頭排列的個股或基金，此時應考慮的重點為下列何者？",40,{"id":32,"question":33,"qno":34},"fin_plan_prac-46-041","有關投資組合的向日葵原則敘述，下列何者錯誤？",41,{"id":36,"question":37,"qno":38},"fin_plan_prac-46-042","有關定時定額選擇投資標的之敘述，下列何者正確？",42,{"id":40,"question":41,"qno":42},"fin_plan_prac-46-043","當股價向上翻揚並獲致相當的漲幅時，下列投資策略之相對表現優劣順序將為何？ A.固定投資比率策略B.投資組合保險策略 C.買入持有策略",43,{"id":44,"question":45,"qno":46},"fin_plan_prac-46-045","黃先生總資產市值為 100 萬元，可接受的總資產市值下限為 70 萬元，可承擔風險係數為 3，依投資組合保險策略投資股票，若所投資之股票價值下跌 10 萬元，則應如何調整？",45,1787293951359]