[{"data":1,"prerenderedAt":34},["ShallowReactive",2],{"q-fin_plan_prac-47-023":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","c7",{"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-47-023","47",23,"陳先生準備 15 年後提供 200 萬元子女教育基金，目前手上有 50 萬元將作為投資用，預期年報酬率為 6%，則他另須每年投資多少錢方可達成其預期目標？（取最接近值）",[13,14,15,16],"2.79 萬元","3.16 萬元","3.44 萬元","3.87 萬元",2,"子女教育金規劃",1,"先算現有資金的貢獻:50萬以6%複利15年=50×1.06^15≈119.83萬,距200萬目標尚缺80.17萬;此缺口靠每年投資 X 的年金終值補足:X×[(1.06^15−1)÷0.06]=X×23.276=80.17,得 X≈3.44萬,故選 (C)。(A) 2.79萬、(B) 3.16萬、(D) 3.87萬皆因年金終值因子或現有50萬的複利終值代入有誤;若少算現有資金的成長,所需年投資即被高估。","medium",[23,27,31],{"id":24,"question":25,"qno":26},"fin_plan_prac-46-024","小華距就讀大學醫科還有 12 年，預估屆時共須花費學費 210 萬元。如果投資組合年報酬率為 8%，小華的家人每年約須提撥多少金額作為教育金準備？（取最接近值）",24,{"id":28,"question":29,"qno":30},"fin_plan_prac-47-022","有關子女教育金規劃的概念，下列何者錯誤？",22,{"id":32,"question":33,"qno":10},"fin_plan_prac-48-023","有關子女養育與教育金規劃，下列敘述何者錯誤？",1787293952062]