[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_prac-47-019":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-47-019","47",19,"假設臺灣銀行的定存利率為 3％，某台灣股票基金的年報酬率為 10％，標準差為 20％，則該股票基金的風險貼水為多少？",[13,14,15,16],"7%","10%","17%","20%",0,"投資規劃",1,"風險貼水（風險溢酬）指投資人承擔風險而要求高於無風險利率的額外報酬，計算方式為投資標的預期報酬率減去無風險利率。本題定存利率3％視為無風險利率，基金年報酬率10％，風險貼水＝10％－3％＝7％，故（A）7％為正解。（B）10％是基金的總報酬率而非扣除無風險利率後的溢酬；（D）20％與標準差相同，標準差衡量報酬波動即風險大小，並非貼水；（C）17％則是把標準差20％誤當報酬率去扣除無風險利率3％（20％－3％＝17％），屬概念混淆。理解貼水與風險衡量指標的區別，是評估風險調整後報酬的基礎，故本題選（A）。","easy",[23,27,30,34,38,42],{"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":10},"fin_plan_prac-46-019","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？",{"id":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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",43,1787293952005]