REVIEW ICWIM GUIDE & ICWIM EXAM CERTIFICATION

Review ICWIM Guide & ICWIM Exam Certification

Review ICWIM Guide & ICWIM Exam Certification

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You will have the chance to renew your knowledge while getting trustworthy proof of your expertise with the CISI ICWIM exam. After passing the CISI ICWIM certification exam, you can take advantage of a number of extra benefits. The CISI ICWIM Certification test, however, is a valuable and difficult credential. But with the correct concentration, commitment, and ICWIM exam preparation, you could ace this test with ease.

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q65-Q70):

NEW QUESTION # 65
The Arbitrage Pricing Theory (APT) assumes investors can sell short. This involves:

  • A. Selling lots of securities over a short time frame
  • B. Not selling the whole of your shareholding in one trade
  • C. Selling something you do not own, intending to buy it back at a lower price later
  • D. Selling your shares and buying them back a short time later

Answer: C

Explanation:
Short selling is a trading strategy where an investor sells borrowed securities, expecting the price to decline, and then repurchases them at a lower price.
* Why is Option B Correct?
* Short sellers borrow shares, sell them at the current price, and later buy them back at a lower price to return to the lender, profiting from the price difference.
* APT assumes investors can sell short to exploit mispricings in multiple risk factors.
* Why Not Other Options?
* A (Not selling the whole shareholding) # Short selling does not involve owning shares.
* C (Selling & buying back shortly after) # Describes day trading, not short selling.
* D (Selling many securities quickly) # Short selling is not about trading speed, but betting on price declines.
# Reference: CFA Institute (Arbitrage Pricing Theory), CISI Wealth & Investment Management.


NEW QUESTION # 66
How does a negative interest rate policy aim to boost lending?

  • A. By discounting the interest rate charged on loans
  • B. Interest is not charged on loans
  • C. Consumers are paid to borrow money
  • D. By penalising banks for holding surplus cash

Answer: D

Explanation:
* Understanding Negative Interest Rates:
* Negative interest rate policies (NIRP) are used by central banks to stimulate the economy by discouraging banks from hoarding excess reserves.
* Under NIRP, banks are charged interest for holding deposits with the central bank, incentivizing lending to businesses and consumers instead.
* Elimination of Other Options:
* A & B: Interest is still charged on loans, and consumers are not directly "paid" to borrow.
* C: Discounting loan interest rates is a potential consequence but not the direct mechanism of NIRP.
References:
* ICWIM Module 1: Economic Policy: Coverage of unconventional monetary policies like NIRP.


NEW QUESTION # 67
Which of the following will be a major constraint on a client's ability to invest and protect against all of the risks that might arise?

  • A. Tax implications
  • B. Risk aversion
  • C. Affordability
  • D. Age

Answer: C

Explanation:
* Why Affordability is the Major Constraint
* A client's ability to mitigate risks is directly limited by their financial resources.
* Even the most sophisticated risk strategies, such as diversification, derivatives, or insurance, require financial capacity.
* Other Options Analyzed
* Age: Impacts risk tolerance but does not constrain the financial ability to manage risks.
* Risk aversion: A behavioral factor, not a financial constraint.
* Tax implications: Important but secondary compared to affordability.
* ICWIM Textbook, Chapter on Investment Constraints: Highlights affordability as the top financial constraint.
* Wealth Planning Principles: Discusses practical limitations of risk mitigation strategies.
ReferencesThus, the answer isB. Affordability.


NEW QUESTION # 68
What financial principle requires an adviser to gather extensive information from a client before making a recommendation?

  • A. Risk reduction
  • B. Disclosure
  • C. Transparency of trading
  • D. Know Your Customer

Answer: D

Explanation:
The Know Your Customer (KYC) principle is a regulatory requirement ensuring that financial advisers gather comprehensive client information before making recommendations.
* Why KYC Is Important:
* It helps in identifying the client's financial goals, risk tolerance, and investment suitability.
* It prevents fraud and money laundering by verifying the client's identity.
* It ensures that recommendations are appropriate based on the client's circumstances.
* Regulatory Requirement:
* FCA (Financial Conduct Authority) rules require firms to follow KYC processes before providing financial services.
* MiFID II (Markets in Financial Instruments Directive) mandates thorough suitability assessments.
# Reference: FCA Handbook (COBS 9 - Suitability), CISI Wealth & Investment Management.


NEW QUESTION # 69
Having prepared recommendations via a report, why would an adviser suggest a face-to-face meeting with their client?

  • A. To afford the opportunity to clear up any misunderstandings
  • B. To establish the client's tax position
  • C. In order to collect fees prior to implementation of the recommendations
  • D. So that the client can review the adviser's qualifications

Answer: A

Explanation:
* Purpose of Client Meetings: A face-to-face meeting allows the adviser to personally communicate complex financial recommendations.
* Importance of Clarity: Clients may misunderstand written reports due to technical jargon or unfamiliarity with financial terms. This meeting provides an opportunity to ensure clarity and build trust.
* Elimination of Other Options:
* A: Collecting fees can be done online or through invoices; this is not the primary purpose of a meeting.
* B: Tax position assessment is typically done before preparing recommendations.
* C: Reviewing adviser qualifications is rare in meetings; trust is built through prior interactions.
References:
* ICWIM Module 2: Focus on professional adviser-client relationships and clear communication.


NEW QUESTION # 70
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