仅考虑风险承受能力，下列投资决策适宜的有（）。 1.小王准备l年后出国留学，将其全部积蓄投资于期货市场； 2.小张准备6

正确答案：

 Ⅵ．参考范文：

                                                     Going Abroud to Study

    Some people think that there are a lot of advantages of studying abroad. Firstly, we can learn the native language more easily and more rapidly while in the country. Secondly, many foreign universities can offer a better study environment and have more advanced equipment. Thirdly, going abroad provides us with a new place where we can learn a different culture.

    However, some people believe that it isn't worthwhile to study abroad. For example, the tuition and living expenses are more expensive. Moreover, being far away from our mother country, we may feel lonely.

    My view is that going abroad has more advantages than disadvantages. So it is advisable to study abroad.

正确答案：C

正确答案：B

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参考答案：
Should Students Go Abroad to Study?
Nowadays, a growing number of students are planning to study abroad. However, people's opinions are sharply divided on this issue. For example, my friend James is studying in the USA and tells me about his overseas life and study. According to him, there are many advantages. Firstly, studying overseas forces him to cope with everything by himself, and broadens his horizons as well. Secondly, this experience is conducive to a better career path in that it has developed both his abilities and personality. Last but not least, many developed countries offer a relatively better education.
On the contrary, another friend of mine, Claire, never agrees with James. She claims that as we have never stepped on foreign lands, it is unwise to follow the trend blindly. Furthermore, the culture gap could not be ignored, which may create obstacles for cross-cultural communication. The more barriers one meets, the more discouraged one may become. In addition, the expenses are too high for most families.
As for me, I do not agree with either of them. With regard to James' opinion, I believe one's success lies in what one is striving for instead of where one is. I know some people who came back from abroad could not find a job while some others who received education at home have succeeded in their own fields. As for Claire's opinion, I don't think it is wise to reject everything before trying and gaining a whole picture of it. We should believe in ourselves in dealing with what we may encounter. Indecision about whether to study abroad makes no sense. What really counts is the determination at the time of decision and the willpower after that.

正确答案：C

正确答案：B
解析：林氏夫妇目前处于家庭成熟期，其理财特征应是从进取逐渐转向稳健，投资应该兼顾收益和风险。而B项的建议只注重资产的流动性，不符合这一阶段的理财目标。

正确答案：C

首先你要打好语言基础，需通过英语熟练程度考试，如TOFEL、GRE、ESE、GMAT、MELAB、IELTS等。最好分数考得高一些。
其次你现在大二，最需要的就是打好基础，争取各科考得高一些，GPA高一些，有利于申请到好的学校，还可能申请到奖学金。
国外学校都比较看重你的一些特长，能力还有经历，如果可能，尽可能多参加一些公益活动或比赛什么的，拍些照片，这些以后都可以写进申请表里。
你要熟悉你去的国家的风土人情，了解这个国家或地区的生活习惯，饮食习惯等等，多多了解有利益以后更能适应外国生活。
下面是一些必备的。
到发达国家留学，主要应提供：
  1、 最高学历证明书及其公证
  2、 学习成绩及其公证书
  3、 TOFEL、IELTS、GRE、GMAT考试成绩，或其他外语学习证明
  4、 出生公证书
  5、 婚姻公证书
  6、 无犯罪记录公证书
  7、 教师推荐信
8、 资金、财产担保公证书
  9、 工作证明（若有）
10、彩色证件照片及身份证复印件
希望可以帮到你

参考答案：B
解析：按月做复利计算，12/12I，36n，-2PV，10FV，PMT=-0.1657，应储蓄1657元，1657/4000=41%，故小龙应有41%的储蓄率才能实现目标。