问题 单项选择题


家住成都的刘先生和任女士苦于对财务的打理,其家庭资产构成为单纯的银行存款。如何才能分享到中国经济的发展而带来可观的收益,刘先生一家的生活怎样才变得滋润。带着这些疑问,他们咨询了金融理财师。通过谈话,理财师了解到他们的基本情况。
一、案例成员
家庭成员年龄职业身体状况
刘先生33建筑工程师
任女士31医生
二、家庭收支状况
                表1 月收入支出表 (单位:元)
月收入金额月支出金额
工资收入15500住房按揭贷款1800
投资收入日常生活支出3000
其他收入养车支出1200
月支出合计6000
月收入支出合计15500月节余9500

                表2 年度性收入支出表 (单位:元)
收入项目金额支出项目金额
年工作收入186000消费支出72000
本人工资收入30000住房按揭21600
本人奖金收入90000日常生活支出36000
配偶收入66000养车支出14400
公积金收入21600投资支出
利息收入3060其他支出
其他收入
收入合计210660支出合计72000
或有收入70000净收入138660
三、家庭资产负债状况                 表3 家庭资产负债表 (单位:元)
资产项目金额负债项目金额
现金极现金等价物267000长期负债388800
现金及活期储蓄17000个人住房贷款388800
定期存款250000短期负债
公积金帐户余额70000其他负债
金融投资资产
其他投资资产
商业保险
个人使用资产500000
自用住宅500000
资产合计837000负债合计388800
净资产448200
四、保险状况
1.刘先生夫妇除单位购买有社会保险外,没有购买任何商业保险;
2.刘先生父母均已退休,身体状况良好。父母退休前均在政府部门工作,退休后的退休金收入稳定,医疗保障齐;
3.任女士父母也已经退休,有稳定的退休金和一定的医疗保障,父亲身体健康,但任女士的母亲患有糖尿病。
五、理财目标
1.计划两年后要小孩,希望不因养育小孩和供小孩教育的支出影响家庭现有的生活水平,有充足的教育基金;
2.希望任女士母亲的病能够得到尽可能充足的保障;
3.刘先生感觉工作繁忙,生活质量不高,希望能够在50岁时提前退休,退休后能够保持现有生活水平。
六、假设条件
假设年通货膨胀率为3%;工资增长率为3%;刘先生每年获得设计费收入的可能性为50%。

如果两种证券的预期回报和标准差分别为:E(R1)=20%,σ1=10%;E(R2)=25%,σ2=20%并且权重ω12=50%,ρ1,2=1时的投资组合的标准差为( )。

A.5%

B.8%

C.12%

D.15%

答案

参考答案:D

解析:
因为ρ1,2=1,所以投资组合的标准差为:ρp=w1σ1+w2σ2=50%×10%+50%×20%=15%。

单项选择题
单项选择题

Lying in the sun on a rock, the cougar saw Jeb and his son, Tom, before they saw it. Jeb put his bag down quickly and pulled his jacket open with both hands, making himself look big to the cougar. It worked. The cougar hesitated, ready to attack Jeb, but ready to forget the whole thing, too.
Jeb took off his jacket, grasped Tom and held him across his body, making a cross. Now the cougar’s enemy looked even bigger, and it rose up, ready to move away, but unfortunately Tom got scared and struggled free of Jeb.
"Tom, No !" shouted his father.
But Tom broke and ran and that’s the last thing you do with a cougar. The second Tom broke free, Jeb threw himself on the cougar, just as it jumped from the rock. They hit each other in mid air and both fell. The cougar was on Jeb in a flash, forgetting about Tom, which was what Jeb wanted. Cougars are not as big as most people think and a determined man stands a chance, even just with his fists. As the cougar’s claws got into his left shoulder, Jeb swung his fist at its eyes and hit hard. The animal howled(吼叫) and put its head back. Jeb followed up with his other fist. Then out of the corner of his eye, Jeb saw Tom. The boy was running back to help his father.
"Knife, Tom," shouted Jeb.
The boy ran to his father’s bag, while Jeb started shouting as well as hitting, to keep the cougar’s attention away from Tom. Tom got the knife and ran over to Jeb. The cougar was moving its head in and out, trying to find a way through the wall. Jeb was making out of his arms. Tom swung with the knife, into the cougar’s back. It howled horribly and ran off into the mountains.

Which of the following happened first

A.The cougar jumped from the rock.
B.Tom struggled free of his father.
C.Jeb asked Tom to get the knife.
D.Jeb held Tom across his body.