[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-fin_plan_prac-48-034":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-48-034","48",34,"下列何者非屬國民年金保險的給付項目？",[13,14,15,16],"老年年金","遺屬年金","失能年金","生育給付",2,"退休規劃",1,"國民年金保險是為未參加軍公教勞保者提供的社會保險,其給付項目包括老年年金、身心障礙年金、遺屬年金,以及喪葬給付與生育給付。本題選項中,(A)老年年金、(B)遺屬年金、(D)生育給付都屬國保給付,唯獨(C)失能年金並非國保用語,故(C)為非屬國保的項目,即正解。要特別區分:國保的身心障礙年金與勞保的失能年金雖概念相近,但分屬不同保險制度,名稱與請領條件不同,考題常以此設陷阱。理解關鍵在於各社會保險制度的給付名稱與涵蓋範圍不可混用,答題時先確認題目問的是哪一種保險。","medium",[23,27,31,35,39,43],{"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":42},"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）",36,{"id":44,"question":45,"qno":46},"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）",37,1787293952868]