问题 单项选择题 案例分析题

李先生今年35岁,是某大学一名教师,他计划65岁时退休。为了在退休后仍然能够保持生活水平不变,李先生决定请理财师为其进行退休规划。综合考虑各种因素,李先生的退休规划要求如下:

①预计李先生退休后每年需要生活费11.5万元;

②按照经验寿命依据和李先生具体情况综合推算,预计李先生可以活到82岁;

③李先生准备拿出20万元作为退休储备金的启动资金;

④采用定期定额投资方式;

⑤退休前投资的期望收益率为6.5%;

⑥退休后投资的期望收益率为4.5%。

如果李先生准备拿出20万元作为退休规划的启动资金不变,同时退休基金缺口为零,李先生得延长工作()年。

A.1

B.2

C.3

D.4

答案

参考答案:A

解析:使用财务计算器(按后付年金模式计算),I/YR=6.5,PV=-20,FV=140.69,计算得到:N=31(年)。即李先生需要延长工作1年。

判断题
阅读理解

     The wedding between Prince William and Kate Middleton on April 29 has focused the world's

attention on the UK.

     In Britain, there is a constant debate about the connection of the royal family with modern British

society. However, Windsor (the family name of the British Royal Family) and Middleton have been seen

to represent a more modern, forward-looking nation.

     Nigel Baker, the British ambassador to Bolivia, believes that the royal wedding is "about modern

Britain". "The estimated 2 billion spectators across the world will see that Britain is one of the most

culturally and ethnically(种族上)various nations in the world, home to 270 nationalities speaking 300

different languages, founded on tolerance and respect for difference," wrote Baker on his blog.

     According to Baker, the wedding could help viewers to see "why Britain is one of the most dynamic

(有活力的)and creative countries in the world": The television on which most people watched the event

was invented by John Logie Baird, a Briton, and the World Wide Web that broadcast the event to

millions more was invented by another Briton, Tim Berners-Lee.

     The guests who attended the wedding ceremony gave more than a few clues as to the nature of

modern Britain. David and Victoria Beckham represent Britain's obsession(着迷)with football and

celebrity.

     Leaders from different religious backgrounds supported Baker's comments on the multicultural nature

of modern British society.

     Before the wedding, David Elliott, arts director of the British Council China, agreed that the wedding

would be a showcase for modern Britain: "I think, and hope, that it (modern British influence) would be

values like openness, multiculturalism, creativity, sense of humor and the traditional British sense of fair

play," he said.

     Furthermore, events such as the Olympics in London in 2012 may also increase people's sense of

Britishness.

     According to a poll published in Daily Telegraph, more than a third of people in the UK admitted they

felt "very British" when watching the Olympics.

1. What is the main point of the article?

A. To introduce Prince William's wedding arrangements in detail.

B. To comment on the significance of the royal wedding.

C. To question the connection of the royal family in modern British society.

D. To explain why the royal wedding is linked with the 2012 Olympics.

2. What can be concluded from the article?

A. Some say that the royal wedding is a reflection on modern Britain.

B. Some think the royal wedding only shows Britain's multiculturalism and sense of fair play.

C. About 2 billion people across the world will see the wedding ceremony online.

D. Britons are obsessed with football due to the influence of David Beckham.

3. Why is the inventor of the World Wide Web mentioned?

A. To inform readers about some well-known British inventors.

B. To point to the importance of the World Wide Web for the wedding.

C. In support of the idea that Britain is a nation of creative and dynamic people.

D. To encourage people to watch the wedding on the Internet.

4. According to the article, both the 2012 Olympics and the royal wedding         .

A. have increased the British sense of national identity

B. have promoted traditional British values

C. represent a more modern Britain

D. have encouraged the interest of Britons in Football