（完整）兹维博迪金融学第二版试题库5TB
（完整）兹维博迪金融学第二版试题库5TB
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（完整）兹维博迪金融学第二版试题库5TB
Chapter Five
Household Savings and Investment Decisions
This chapter contains 28 multiple choice questions, 10 short problems， and 9 longer problems。
Multiple Choice
1. Getting a professional degree can be evaluated as ________。
a) a social security decision
b) an investment in human capital c) an investment in a consumer durable d) a tax exempt decision
Answer： （b)
2. Suppose you will face a tax rate of 20% before and after retirement. The
interest rate is 8%. You are 30 years before your retirement date and invest ＄10,000 to a tax deferred retirement plan. If you choose to
withdraw the total accumulated amount at retirement, what will you be left with after paying taxes？
a) $51，445 b) $64,000 c) $80,501 d) $100，627
Answer： （c）
3. Suppose you will face a tax rate of 20% before and after retirement。 The
interest rate is 8%。 You are 30 years before your retirement date and have ＄10,000 to invest. If you invest this in an ordinary savings plan instead of a tax deferred retirement plan, what amount will you have accumulated at retirement？
a) ＄51，445 b) ＄64,000 c) ＄80，501 d) $100，627
Answer： （a）
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（完整）兹维博迪金融学第二版试题库5TB
4. When your tax rate remains unchanged, the benefit of tax deferral can be
summarized in the rule， “deferral earns you ________.”
a) the after—tax rate of return before tax b) the pretax rate of return after tax c) the after—tax rate of return after tax d) the pretax rate of return before tax
Answer: （b)
5. From an economic perspective， professional training should be undertaken
if the ________ exceeds the ________.
a) future value of the benefit； present value of the costs b) present value of the benefits; future value of the costs c) future value of the benefits; future value of the costs d) present value of the benefits； future value of the costs
Answer： （d)
6. Suppose you will face a tax rate of 30% before and after retirement. The
interest rate is 6％。 You are 35 years before your retirement date and $2，000 to a tax deferred retirement plan. If you choose to withdraw the total accumulated amount at retirement， what will you be left with after paying taxes?
a) $7，532 b) ＄10，760 c) ＄12,298 d) $15，372
Answer: (b)
7. Kecia is currently thirty years old and she plans to retire at age sixty.
She is expected to live to age eighty—five。 Her labor income is ＄45，000 per year and she intends to maintain a constant level of real consumption spending over the next fifty—five years。 Assuming a real interest rate of 4％ per year， no taxes， and no growth in real labor income, what is the value of Kecia’s human capital？
a) ＄31,797 b) ＄35，196 c) $778,141 d) ＄994,888
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(2021年整理)兹维博迪金融学第二版试题库5TB
