[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fJhYMyoScgsU-7d5E9rqcknMR2MWPsogSxLzac2321ZE":3},{"answer":4,"createTime":5,"id":6,"options":7,"origin":12,"question":19,"related":20,"source":24,"type":25},[],"2024-07-03 22:40:42",157320362,[8,9,10,11],"教育投资规划","健康规划","退休养老规划","住房规划",{"count":13,"courseId":14,"courseImg":15,"courseName":16,"workId":17,"workName":18},195,"476d1595a53fa066dd0dea5184296357","https:\u002F\u002Ftihai-oss-cloud.itihey.com\u002Fimg\u002F15d736aeab3035d8da1b3e828c0f3e43.jpg","个人理财","exam_128695322","期末复习——项目一、二","不属于个人理财规划的内容",[21,26,35,44,53,62,71,78,87,96],{"answer":22,"createTime":5,"id":6,"options":23,"question":19,"source":24,"type":25},[],[8,9,10,11],"v1",0,{"answer":27,"createTime":5,"id":28,"options":29,"question":34,"source":24,"type":25},[],157320363,[30,31,32,33],"家庭形成期","家庭成长期","家庭成熟期","家庭衰老期","一般来说,在家庭生命周期中,( )的家庭财务状况应无新增负债",{"answer":36,"createTime":5,"id":37,"options":38,"question":43,"source":24,"type":25},[],157320364,[39,40,41,42],"固定收益投资工具","股票","外汇","房地产","在个人生命周期中的退休期,个人理财的投资工具应以( )为主",{"answer":45,"createTime":5,"id":46,"options":47,"question":52,"source":24,"type":25},[],157320365,[48,49,50,51],"偏退休型","偏当前享受型","偏购房型","偏子女型","把选择性支出大部分都用在当前消费上,提升当前生活水平的理财价值观为( )",{"answer":54,"createTime":5,"id":55,"options":56,"question":61,"source":24,"type":25},[],157320366,[57,58,59,60],"退休期","高原期","维持期","稳定期","尽力保全已积累的财富、厌恶风险,这样的理财特征通常属于个人生命周期中的( )",{"answer":63,"createTime":5,"id":64,"options":65,"question":70,"source":24,"type":25},[],157320367,[66,67,68,69],"李氏夫妇在这一阶段的支出减少,收入不变,财务比较自由","李氏夫妇应将全部积蓄投资于收益稳定的银行定期存款,为将来养老做准备","李氏夫妇应当利用基金、人寿保险等工具为退休生活做好充分的准备","低风险股票和高信用等级的债券依然可以作为李氏夫妇这一阶段的投资选择","李氏夫妇目前都是50岁左右,儿子在读大学,拥有各类型的积蓄共40万元,夫妇俩准备在65岁左右退休.根据生命周期理论,以下理财分析和建议不恰当的是( )",{"answer":72,"createTime":5,"id":73,"options":74,"question":77,"source":24,"type":25},[],157320368,[75,76,60,59],"探索期","建立期","真正意义上的个人理财生涯从个人生命周期中的( )开始",{"answer":79,"createTime":5,"id":80,"options":81,"question":86,"source":24,"type":25},[],157320369,[82,83,84,85],"通过延缓纳税以获得资金时间价值的做法属于恶意钴法律漏洞的行为","从业人员在制订纳税筹划时应该有很强的为客户减轻税负、取得节税收益的动机","纳税筹划必须在尊重法律、不违反法律法规和不恶意钻法律漏洞的前提下进行","纳税筹划时必须综合考虑以使客户整体税负水平降低","下列关于纳税筹划的说法,错误的是( )",{"answer":88,"createTime":5,"id":89,"options":90,"question":95,"source":24,"type":25},[],157320370,[91,92,93,94],"标准差","期望收益率","方差","协方差","在衡量金融资产风险的指标中,金融资产平均收益的离差平方和的平均数 是( )",{"answer":97,"createTime":5,"id":98,"options":99,"question":104,"source":24,"type":25},[],157320371,[100,101,102,103],"单利的计息期总是一年,而复利则有可能为季、月或日","用单利计算的货币收入没有现值和终值之分,而复利就有现值和终值之分","单利属于名义利率,而复利则为实际利率","单利仅在原有本金上计算利息,而复利是对本金及其产生的利息一并计算","单利和复利的区别在于( )"]