问题 单项选择题


假设苗先生与苗太太是你的新客户,目前正面临生涯与家庭上的转变,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
苗先生50岁个体工商户
苗太太50岁退休在家
苗苗18岁高中二年级学生
二、收支情况
1.家庭年收入66.12万元,其中苗先生纯收入63万元,苗太太收入0.72万元,房租收入2.4万元;
2.家庭年支出23万元,其中基本生活支出3万元,妻子费用支出7.2万元,自己费用支出6万元,人情往来支出3万元,旅游支出2万元,孩子费用支出1.8万元。
三、资产情况
1.金融资产:270万元。其中股票50万元,各种债券基金160万元,银行存款60万元 (定期存款20万元,活期存款40多万元)。
2.房产:共有三处。(1)百步厅小区一套,价值320万元。买入时价值220万元,初始贷款50%,贷款期限20年,等额本息按月摊还,现已还贷7年。(2)小户型住房一套,市值50万元,无贷款,现出租,月税后租金收入1200元。(3)原单位分房一套,市值25万元,无贷款,现出租,月税后租金收入800元。
3.其他资产:苗太太的首饰6万元,苗先生收藏品(包括唐宋古董、名家字画、古代玉器、纪念邮票)市值60万元。
四、保险状况
夫妻双方都有社保、医保。
五、理财目标
1.希望5年后换房,目标为400平方米的别墅,现在市场价值800万元;
2.希望让女儿6年后出国留学,每年花费20万元,共计4年;
3.希望在10年后退休,退休后夫妻每年开支为现值10万元,余寿30年。
六、假设条件
学费成长率和通货膨胀率均为0,房屋贷款利率7.8%,房价年增长率5%,现有金融资产的年收益率为4%,市场指数投资年回报率为9%。

苗先生家庭的年储蓄率为( )。(不考虑当年储蓄所产生的投资收益)

A.42.04%

B.66.49%

C.61.29%

D.52.30%

答案

参考答案:C

解析: ①年收入=270×4%+66.12=76.92(万元);②第八年每月利息支出:110PV, 0FV,20gn,7.8gi,PMT=-0.9064,则该年利息支出为84f AMORT,12f AMORT= 6.7743;③年支出=23+6.7743=29.7743(万元);④年储蓄率=年储蓄/年收入=(76.92-29.7743)/76.92=61.29%。

阅读理解

America is a country on the move. In unheardof numbers, people of all ages are exercising  their way to better health. According to the latest figures, 4 percent of American adults exercise regularly-up 12 percent from just two years ago and more than double the figure of 25 years ago. Even non-exercisers believe they would be more attractive and confident if they were more active.

It is hard not to get the message. The virtues of physical fitness are shown on magazine covers, postage stamps, and television ads of everything from beauty soaps to travel books. Exercise as a part of daily life did not catch on until the late 195s when research by military doctors began to show the health benefits of doing regular physical exercises. Growing publicity (宣传) for races held in American cities helped fuel a strong interest in the ancient sport of running. Although running has leveled off in recent years as Americans have discovered equally rewarding-and sometimes safer-forms of exercise, such as walking and swimming, running remains the most popular form of exercise.

As the popularity of exercise continues to mount, so does scientific evidence of its health benefits. The key to fitness is exercising the major muscle groups vigorously (强有力地) enough to approximately double the heart rate and keep it doubled for 20 to 30 minutes at a time. Doing such physical exercises three times or more a week will produce considerable improvements in physical health in about three months.

5.It can be learnt from the passage that the health benefits of exercise .

A.are to be further studied                     B.are selfevident

C.are yet to be proved                         D.are supported by scientific evidence

6.A growing interest in sports developed after___________ .

A.an increasing number of races were held in American cities

B.research showed their health benefits

C.scientific evidence of health benefits was shown on TV ads

D.people got the message from magazine covers and postage stamps

7.Which of the following would be the best title for the passage?

A.Exercise-The Road to Health                 B.Scientific Evidence of Health Benefits

C.Different Forms of Exercise                  D.Running-A Popular Form of Sport

8.Which of the following is closest in meaning to the phrase “leveled off” in the paragraph 2?

A.“reached its lowest level in popularity”         B.“stopped being popular”

C.“stopped increasing in popularity”             D.“become very popular”

单项选择题