案例一:上官夫妇目前均刚过35岁,打算20年后即55岁时退休,估计夫妇俩退休后第一年的生活费用为8万元(退休后每年初从退休基金中取出当年的生活费用)。考虑到通化膨胀的因素,夫妇俩每年的生活费用预计会以年4%的速度增长。夫妇俩预计退休后还可生存25年,现在拟用20万元作为退休基金的启动资金,并计划开始每年年末投入一笔固定的资金进行退休基金的积累。夫妇俩在退休前采取较为积极的投资策略,假定年回报率为6%,退休后采取较为保守的投资策略,假定年回报率为4%。根据案例一回答问题(计算结果保留到整数位)。 根据76、77题目计算结果,上官夫妇退休后的基金缺口约为()(不考虑退休后的收入情况)。
A. 724,889元
B. 865,433元
C. 954,634元
D. 1,088,266元
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资料:假设X公司的股利保持每年5%的稳定增长率,如果今年的年初分红是每股8元,每股预期盈利为12元,市场必要的回报率为10%。根据资料回答问题。 X公司的股权回报率是()(计算过程保留小数点后两位)。
A. 7.5%
B. 15.0%
C. 22.5%
D. 30.0%
案例一:上官夫妇目前均刚过35岁,打算20年后即55岁时退休,估计夫妇俩退休后第一年的生活费用为8万元(退休后每年初从退休基金中取出当年的生活费用)。考虑到通化膨胀的因素,夫妇俩每年的生活费用预计会以年4%的速度增长。夫妇俩预计退休后还可生存25年,现在拟用20万元作为退休基金的启动资金,并计划开始每年年末投入一笔固定的资金进行退休基金的积累。夫妇俩在退休前采取较为积极的投资策略,假定年回报率为6%,退休后采取较为保守的投资策略,假定年回报率为4%。根据案例一回答问题(计算结果保留到整数位)。 本例中上官夫妇的退休资金需求折现至退休时约为()。
A. 225万元
B. 234万元
C. 200万元
D. 216万元
Long-run payoff (80) I took two years out for an MBA and got into debt, lost out on income and would do it again in a second. If you are career-minded, you’ll get paid back in the long run. Firms will still be hiring from business schools in the future and they will come to you rather than your having to find them. Also, being able to take months/years out of work to contemplate your future and learn something is a luxury worth paying for. Trader, male, 42
Rifts were already opening up in the G20 as China hit out at Britain and the US for demanding that China boost its imports of foreign goods. A senior official from the People’s Republic said it was not appropriate in a "market economy" for a minister to call for a foreign nation to buy more of its products. Speaking at a briefing to reporters, Yu Jianhua of the Ministry of Commerce also described his country as "the biggest victim of protectionism" by other countries. "China has all along been making tremendous efforts to maintain a basic balance between exports and imports," he said. His remarks, made ahead of yesterday’s summit meeting, underlined the yawning divisions that remain between world leaders despite pledges of a "global compact" in Pittsburgh. Western powers like the UK and the US want China to bolster its domestic demand and increase imports as part of a "rebalancing" of the world economy. They warn American consumers can no longer remain the primary engines of global demand as they bolster savings and repay debts. Leaders have agreed to boost the status of the G20 and increase the International Monetary Fund representation of China, India and other developing countries as part of the shift to more sustainable patterns of global growth. However, achieving a consensus on a way forward will be extremely difficult—not least because global bodies will still have no ability to dictate economic policy to members. Chancellor Alistair Darling said yesterday: "This does not mean we are in a new world order where we have a G20 that tells everyone what to do. It is up to each country to decide what is best for them. " On financial reform, yesterday’s G20 deal will see restrictions on bonus payments and requirements forcing banks to hold more capital. Watchdogs will be able to limit payouts to a maximum share of a bank’s revenue if it is necessary to strengthen the firm’s finances. This stops far short of what French president Nicolas Sarkozy and other European leaders were seeking—a set monetary limit. Speaking during Saturday’s meetings, Mr Brown, the British prime minister, said : "The whole world community across the board is united in wanting to bring in rules and standards which will stamp out the bad practices of the past. " Complete the following sentences with information given in the passage in a maximum of 10 words for each sentence. Britain and the USA want China to help the world economy by______.