题目内容
理财师王鑫为其新客户刘云制订理财规划方案，收集资料如下： 一、家庭基本情况 刘云现年35岁，某私营企业中层管理人员，已工作5年；其太太为全职主妇，年龄35岁；两人于3年前结婚，女儿刘欢刚满1岁。 二、资产负债情况 1．刘云目前有现金3000元，活期存款20000元，股票型基金成本价150000元，市值80000元，债券基金成本价80000元，市值81000元。刘云半年前购买了某银行发行的1年期结构性理财产品，成本为50000元，6个月后到期，该产品与某海外基金挂钩，预期最高收益率可达20%，但如该产品的挂钩标的下跌，最大损失可达40%，目前可提前赎回，但损失已达30%。 2．刘云的个人养老金账户余额为20000元，医疗保险金个人账户余额为3000元。 3．刘云刚购置了价值。700000元的住房用于自住，该住房首付款为210000元，按揭贷款490000元，其中，住房公积金贷款200000元，商业贷款290000元，贷款年限20年，按月本利平均摊还。假设住房公积金贷款利率为3.87%，商业贷款利率为5.05%。 三、收支情况 刘云税前月收入为12000元，12月份另发放年终奖金24100元；全家月生活支出为5000元，如刘云发生保险事故，全家生活支出降为原先的80%。 四、保险情况 刘云已购买某终身寿险产品，保额20万元，20年期缴，年保费5000元，刚缴完首期保险费，无现金价值。 五、理财目标 1．刘云30年后退休，退休后维持现在每月现值为5000元的生活水平，余寿20年。 2．在女儿刘欢18岁时，准备好其大学本科4年、每年现值2万元的高等教育基金。 3．5年后开始赡养父母，预计持续10年，每年赡养支出的现值为10000元。 六、假设条件 1．失业保险金缴存比例为工资的1%，个人养老保险金账户缴存比例为工资的8%，住房公积金单位与个人缴存比例各为工资的6%，医疗保险金个人账户缴存比例为工资的2%，上年度月社平工资为3000元。 2．当地住房公积金贷款的上限为200000元。 3．假设个人养老金账户的投资报酬率为5%，通货膨胀率为3%，学费年增长率为5%。 4．指数型基金长期回报率为9%。 王鑫建议刘云购买一款养老储蓄保险产品，该产品每年年初缴保费10000元，直至被保险人年满64周岁(含)，被保险人自65周岁起，每年年初可领取40000元，并持续领取20年，则该产品的投资回报率为______。
查看答案
搜索结果不匹配？点我反馈
更多问题
Questions 51 to 55 are based on the following passage. Canadian authorities relayed that suspicion to the U. S. Coast Guard, which dispatched a cutter to intercept the vessel. After a two-week chase, the cutter’s crew finally boarded the Cao Yu 6025, a stateless ship, south of Japan. In the hold, they found damning evidence: 110 tons of tuna and shark fins, and a drift gillnet almost 20 kilometers long--an indiscriminate killer of marine life banned on high seas under an international agreement. Out of sight, and mostly out of mind, the oceans are under siege. Scientists from around the world are reporting global disturbances in the seas that threaten to bring Richard Cashin’s grim warning home to every Canadian household. From the polar seas to the tropics, fish populations have collapsed or teeter on the brink. In a third of the Pacific, plankton that form the foundation of the marine food chain are vanishing. In every corner of the planet, increasing temperatures are obliterating some species, while driving others into unfamiliar waters. As science scrambles to make sense of uneven data, evidence points to an alarming conclusion, the sea, the cradle of life, is dying. The killers are numerous. The most obvious, global over fishing, harvests 70 per cent of the world’s species faster than they can reproduce themselves. But the scientific community is not even sure that is the worst menace to the seas. Other major threats: human pollution, including an estimated 700 million gallons of toxic chemicals dumped into the sea each year, and global warming, widely attributed to industrial production of so-called greenhouse gases, which appears to be affecting ocean temperatures. Sharply pricier seafood is only the mildest consequence; others are far more serious. In many parts of the world, fishing jobs have disappeared. On Canada’s East Coast, 26,000 unemployed former fish workers drew income from the federal government’s Atlantic Ground fish Strategy--15,000 from Newfoundland alone--until its $1.9 billion in funding ran out in August. Far worse, developing countries dependent on marine protein confront the risk of mass starvation. In many regions, rival national claims to the seas’ diminishing harvest hold potential for armed conflict. More terrifying still is the specter of ecological Armageddon, as the oceans lose the capacity to generate the oxygen on which life itself depends. For too many species, extinction has already come. Half a century ago, 600,000 barn door skate swam North America’s Atlantic seaboard. Never intentionally fished, they nonetheless frequently became ensnared in nets or on hooks. By the 1970s, scientists could find no more than 500 skate throughout its previous range. Now, they can’t find any. "If bald eagles were as common as robins and then disappeared, someone would notice," says biologist Ransom Myers of Hallifax’s Dalhousie University. "In the ocean, no one knows. No one cares. " Belatedly, a handful of governments and others have begun to notice, to care and to act, moving tentatively to rein in the worst abuses of the seas. The patrol that spotted the Cao Yu was one of six that Canada donates each year to enforce an international ban on drift nets, blamed for killing dolphins, sharks, turtles, and seabirds, in addition to their intended catch. On September 1, the federal government designated two protected marine habitats at Race Rocks and Gabriola Passage, British Columbia--the first in a promised chain of preserves in Canadian waters where fishing will be banned. On the same day, an international commission concluded three years of study by urging coastal nations to bury their differences and form a world authority to regulate fishing beyond the 200-mile (370-killometer) economic zones of individual states. Questions : Limited harvests may lead to ______ conflict among nations.
张先生和张太太刚刚喜得千金，在感到巨大的喜悦的同时，家庭开销大幅度增加，二人已经开始意识到了理财的重要性，并找到一位金融理财师协助规划家庭的未来。 张先生和张太太的相关信息如下： 一、家庭基本情况 张先生今年35岁，是一名IT工程师，已工作10年；张太太30岁，是同一家公司的行政人员，已工作8年。 双方父母均刚刚退休，有社保和退休工资，预计需要赡养25年。 二、家庭收支情况 张先生每月税前收入12000元，年底另有10万元的绩效奖金，张太太每月税前收入4000元，年底另有2个月的工资作为年终奖。 家庭开支由女儿出生前每月5000元增加到现在每月8000元。 三、家庭资产负债情况 张先生家目前有20万元定期存款，无负债。张先生住房公积金账户余额60000元，养老金个人账户余额40000元，医疗个人账户余额10000元；张太太公积金账户余额15000元，养老金个人账户余额10000元，医疗个人账户余额2500元，每年年底结转一次。 四、保险状况 除社会保险外，张先生单位有商业补充医疗保险，可报销社会统筹个人分摊额的90%及社保医疗目录内封顶线以上费用的90%。意外险保额50万元，张太太没有任何商业保险。 五、理财目标优先顺序如下 1．3年后买一套现价150万元的房产，用于自住，尽量使用公积金贷款，贷款期限15年。 2．18年后负担女儿上大学和硕士的学费，大学4年，每年的学费现值2万元，出国留学2年，每年费用现值20万元。 3．25年后夫妻一起退休，希望维持退休前的生活水平，预期退休后生活30年。 六、假设条件： 1．相关信息如下： ·夫妻工资成长率与社平工资成长率均为5%。 ·通货膨胀率：3%。 ·学费成长率：5%。 ·房价成长率：2%。 ·养老金收益率：6%。 ·住房公积金收益率：5%。 2．利率水平稳定，5年内住房公积金贷款利率为5%，5年以上6.5%；5年内商业贷款利率为7%，5年以上8.5%。当地住房公积金贷款的上限80万元，贷款成数最高七成，最长30年。 3．定期存款收益率2%，国库券收益率3%，债券型基金的投资报酬率6%，标准差7%，股票型基金收益率10%，标准差20%。 4．张先生夫妻退休前的年投资报酬率8%，退休后的年投资报酬率5%。 5．三险一金提拔率：医疗2%，失业1%，住房公积金12%，养老8%。缴费上限为地方月平均工资的3倍。当地上年度月社平工资为3000元。张太太社保缴费以当年工资为基数计算。 6．租给个人的房租收入应缴纳的营业税率及附加为1.65%，房产税率4%，个人所得税率为10%。 7．退休后能够维持每年现值6万元的生活水平，保险事故发生后，家庭开支为现在的80%。 张先生跳槽到B公司后，因工作压力大、过度疲劳导致胃出血，并进行了住院治疗，社保目录内费用为1万元，目录外费用4000元，总费用1.4万元；目录内费用80%可由社会统筹报销(起付线为2000元，封顶线为年社平工资4倍)，下列说法错误的是______。
分时系统里，在条件相同的情况下，通常KLT(内核级线程)比ULT(用户级线程)得到更多的CPU时间，请简要解释之。
Which of the following is the second biggest college in Cambridge
微信支付 
支付宝支付