RELIABLE ICWIM PRACTICE MATERIALS | ICWIM PASS RATE

Reliable ICWIM Practice Materials | ICWIM Pass Rate

Reliable ICWIM Practice Materials | ICWIM Pass Rate

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Tags: Reliable ICWIM Practice Materials, ICWIM Pass Rate, ICWIM Mock Exam, Reliable ICWIM Test Vce, ICWIM Exam Exercise

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q170-Q175):

NEW QUESTION # 170
What is the first action an adviser takes to ensure that their advice is suitable for a client?

  • A. Gather sufficient information from the client
  • B. Draw attention to the cancellation period
  • C. Offer the client a range of options
  • D. Ensure recommendations are confirmed by a third party

Answer: A

Explanation:
* Suitability of Advice
* The first step in providing suitable advice is understanding the client's financial situation, goals, and risk tolerance.
* This is achieved bygathering sufficient informationthrough a fact-find process.
* Why the Answer is C
* Without detailed client information, advice cannot be tailored to individual circumstances, leading to regulatory non-compliance and potential mis-selling.
* Why Other Options are Incorrect
* A. Offer options: Comes later after understanding the client's needs.
* B. Cancellation period: A compliance requirement but irrelevant to suitability.
* D. Third-party confirmation: Not a standard part of the advice process.
* ICWIM Study Guide, Chapter on Client Engagement: Emphasizes information gathering as the first step.
* FCA Suitability Guidelines: Highlights the importance of a thorough fact-find.
References


NEW QUESTION # 171
Negotiable bearer securities issued by commercial banks in exchange for fixed-term deposits are known as:

  • A. Treasury Bills
  • B. Certificates of Deposit
  • C. Bills of Exchange
  • D. Commercial Paper

Answer: B

Explanation:
A Certificate of Deposit (CD) is a negotiable bearer security issued by banks, representing a fixed-term deposit with a specified interest rate.
* Key Features of CDs:
* Issued by commercial banks.
* Fixed-term investment (e.g., 3 months to 1 year).
* Can be traded in secondary markets, making them a liquid investment.
* Why Not Other Options?
* A (Treasury Bills) # Issued by governments, not banks.
* B (Commercial Paper) # Issued by corporations, not banks.
* C (Bills of Exchange) # Used for trade finance, not fixed-term deposits.
# Reference: Bank of England (Certificates of Deposit), CISI Wealth & Investment Management.


NEW QUESTION # 172
If someone in a fiduciary position has personal or professional interests that compete with their duty to act in the client's best interest, this is called:

  • A. A regulatory breach
  • B. Discretionary management
  • C. Full disclosure
  • D. A conflict of interest

Answer: D

Explanation:
* Conflict of Interest Definition:
* A fiduciary position requires prioritizing the client's best interest. When personal or professional interests compete with this duty, it constitutes a conflict of interest.
* Such conflicts can undermine the trust and integrity of the fiduciary relationship.
* Elimination of Other Options:
* A: Discretionary management is unrelated to fiduciary conflicts.
* B: A regulatory breach may occur if the conflict is not disclosed but is not inherently the conflict itself.
* C: Full disclosure is a way to manage conflicts, not the conflict itself.
References:
* ICWIM Module 5: Coverage of fiduciary responsibilities and managing conflicts of interest.


NEW QUESTION # 173
Which index could be used to measure inflation from the perspective of the seller?

  • A. Consumer price index
  • B. Retail price index
  • C. Inflation price index
  • D. Producer price index

Answer: D

Explanation:
* Inflation from the Seller's Perspective:
* The Producer Price Index (PPI) measures changes in the prices received by sellers for their goods and services.
* It reflects production cost pressures, making it distinct from consumer-focused indices.
* Elimination of Other Options:
* A & C: Retail Price Index (RPI) and Consumer Price Index (CPI) measure inflation from the buyer's perspective.
* D: Inflation Price Index is not a recognized term.
References:
* ICWIM Module 1: Explanation of inflation measurement indices.


NEW QUESTION # 174
A company recently increased its earnings per share figure by 10%. This means that the company's:

  • A. Ability to pay dividends has improved
  • B. Share base has widened
  • C. Market share has risen
  • D. P/E ratio has increased

Answer: A

Explanation:
An increase in earnings per share (EPS) indicates improved profitability on a per-share basis. This enhances the company's ability to distribute dividends to shareholders, assuming a consistent payout ratio.
* Widened share base (A): This would typically dilute EPS, not increase it.
* Market share (C): Market share is unrelated to EPS; it is about the company's competitive position.
* P/E ratio (D): While EPS affects valuation, a rise in EPS does not guarantee a P/E increase.
References:
* International Certificate in Wealth & Investment Management: Financial ratios and their implications.
* EPS as a metric of profitability and dividend-paying capacity.


NEW QUESTION # 175
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