[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-fin_plan_prac-48-040":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"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":17,"explanation":19,"difficulty":20},"fin_plan_prac-48-040","48",40,"下列何者投資工具較適合風險矩陣中，長資金運用期、低風險偏好者？",[13,14,15,16],"高收益債券","平衡式基金","存款","外幣保本定存",1,"投資規劃","風險矩陣以資金運用期長短與風險偏好高低來配對合適工具。本題條件是長資金運用期又屬低風險偏好,(B)平衡式基金同時配置股票與債券,波動度適中,既能參與市場長期成長又不致承擔過高風險,最能兼顧穩健與增值,故(B)正確。(A)高收益債券雖名為債券,但信用風險與波動偏高,不符低風險偏好;(C)存款與(D)外幣保本定存雖屬低風險,但報酬偏低、缺乏長期增值性,且外幣保本定存另有匯率風險,無法充分運用長資金期的複利效果。答題關鍵在於同時滿足長期與低風險兩條件時,配置分散的平衡式基金最為適配。","medium",[22,26,30,33,37,41],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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？",19,{"id":31,"question":32,"qno":10},"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？",{"id":34,"question":35,"qno":36},"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":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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",43,1787293952972]