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______。
A. 4.88%
B. 4.55%
C. 3.67%
D. 3.88%
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.