问题 单项选择题


钟玲开了一家网络小店,虽然每月的收入并不稳定,但因为丈夫有固定收入,所以生活得还算滋润。只是多年来,钟玲夫妇一直处于无序理财的境况中,离富足的日子似乎还有一定的距离,需要金融理财师协助规划。经过初步沟通面谈后,你获得了以下家庭、职业与财务信息:
一、案例成员
家庭成员年龄职业身体状况
钟玲32网络小店店主
丈夫34中专学校职员,事业编制
宝宝3幼儿园学生
二、收支情况
1.月收支情况
(1)以这两年的经营情况来计算,钟玲每月平均收入在2000元左右;
(2)钟玲的丈夫每月税后收入在2500元左右;
(3)一家人的基本生活开销加上衣食娱乐,大概每月在1500元左右;
(4)宝宝上幼儿园,每月花费约500元;
(5)平均每月大约有200元医疗费用支出。
2.年度性收支情况
(1)丈夫的年终奖金收入一般在3000元左右;
(2)钟玲因为是自雇,所以没有什么年终奖;
(3)全家的储蓄利息收入一年大约1700元;
(4)年保费支出约850元。
三、家庭资产负债状况
目前钟玲家里没有负债。资产主要有82000元的定期存款,家用现金和活期存款保持在5000元左右。另外钟玲自己还有一些黄金首饰,大概价值3000元。
四、保险方面
钟玲因为做了网络店铺后没有自己缴纳社保“四金”,所以购买了一点商业寿险,但保额仅有3万元,年保费支出约850元。
五、理财目标
希望能把钱投资在回报率约8%的投资理财产品上,让每年的年收益有所上升,让有限的资金不贬值,在此基础上寻求更大的收益。
六、假设条件
债券指数平均收益率为3.2%,标准差为5.7%,股票指数平均收益率为12.6%,标准差为25.6%,股票与债券的相关系数为0.12。

对于未来孩子教育规划问题,最适于子女教育金储备的金融工具是( )。

A.货币型基金

B.教育储蓄

C.平衡型基金

D.成长型股票

答案

参考答案:C

选择题
阅读理解

      根据短文内容,从短文后的七个选项中选出能填入空白处的最佳选项.选项中有两项为多

余选项.

     A 7.0 magnitude(级)earthquake killed more than 230,000 people in Haiti. Then an 8.8 magnitude

quake killed more than 900 people in Chile. And few weeks later, a 6.0 magnitude quake struck rural

eastern Turkey, killing at least 57 people.

     The earthquakes kept coming hard and fast.   1  It's not. The problem is what's happening above

ground, not underground, experts say.

       2  They're rapidly putting up buildings that can't stand up to earth quakes, scientists believer.

And news reports and better earthquake monitoring make it seem as if earth quakes are increasing all the

time.

     On average, there are 134 earthquakes a year that have a magnitude between 6.0 and 6.9. So far this

year there have been 40 earthquakes-more than in most years for that time period. But that's because the

8.8 quake in Chile caused a large number of strong aftershocks.

     Also, it's not the number of quakes, but their destructive effects that gain attention. The death is largely

due to building standards,   3   Paul Earle, a US seismologist, called for better building standards in the

world's big cities.

     Of the 130 cities worldwide with populations of more than I million, more than half are likely to be

hit by earthquakes.   4  "If you have a problem feeding yourself, you're not really going to worry about

earthquakes," said Paul.

     The earthquakes made everyone start to think   5   "People are paying attention to the violent planet

we're always lived on. Come back an another six moths if there has been no earthquakes, most people

will have forgotten it again," said US disaster researcher Dennis Mileti.

A.But it won't last.

B.More people are moving into big cities.

C.Earthquakes don't kill people, buildings do.

D.There have been more deaths overt the past decade from earthquakes.

E.Many people began to wonder if something terrible is happening underground.

F.While it seems as if the are more earthquakes occurring, there really aren't.

G.But developing nations with growing populations don't pay attention to earthquake preparedness.