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Free PDF Quiz 2025 ICWIM: Fantastic International Certificate in Wealth & Investment Management Free Braindumps

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q115-Q120):

NEW QUESTION # 115
An adviser is reviewing a client's portfolio, which has a time horizon of 15 years and is made up primarily of bonds and cash but with some exposure to equities and other higher-risk investments. It is reasonable to believe that the client's risk appetite is:

A. Mid-High Risk
B. Low-Mid Risk
C. Low Risk
D. Mid Risk

Answer: B

Explanation:
Risk appetite is determined by investment time horizon, asset allocation, and financial goals.
* Why is Option B Correct?
* A 15-year time horizon allows for some exposure to risk, but a heavy allocation to bonds and cash suggests a conservative approach.
* The presence of some equities implies a moderate willingness to take risk.
* Why Not Other Options?
* A (Low risk) # A pure cash and bond portfolio would be low risk, but equities add some risk.
* C (Mid risk) # A balanced portfolio would have higher equity exposure.
* D (Mid-high risk) # A higher-risk portfolio would be equity-heavy.
# Reference: CFA Institute (Risk Profiling), CISI Wealth & Investment Management.

NEW QUESTION # 116
Why might a custom benchmark be required when measuring portfolio performance?

A. To establish the size of the tracking error
B. So that the portfolio can be measured in absolute terms
C. The portfolio spans several different asset classes
D. It is easier than using a pre-defined benchmark

Answer: C

Explanation:
A custom benchmark is necessary when a portfolio contains multiple asset classes, as no single index can fully represent its performance.
* Why is Option D Correct?
* A diversified portfolio (e.g., equities, bonds, commodities) needs a composite benchmark that reflects its asset allocation.
* Example: A portfolio with 60% equities and 40% bonds might use a benchmark of 60% MSCI World Index and 40% Barclays Global Bond Index.
* Why Not Other Options?
* A (Easier than a pre-defined benchmark) # Custom benchmarks require more effort, not less.
* B (Absolute performance measure) # Benchmarks compare performance relative to the market, not in absolute terms.
* C (Tracking error measurement) # A benchmark helps measure tracking error, but the need for a custom benchmark arises due to asset diversity.
# Reference: CFA Institute (Benchmarking), CISI Wealth & Investment Management.

NEW QUESTION # 117
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:
The first step in financial planning is to gather sufficient client information before making any recommendations.
* Key Information Required:
* Income, expenses, and financial goals.
* Risk tolerance and investment horizon.
* Tax status and personal circumstances.
* Regulatory Requirement:
* The FCA's suitability rules mandate that advisers perform a full fact-finding process before offering advice.
# Reference: FCA Handbook (COBS 9 - Suitability), CISI Wealth & Investment Management.

NEW QUESTION # 118
The return on a whole-of-life unit-linked policy is:

A. Directly related to the performance of the insurance company's fund
B. Dependent on prevailing interest rates
C. Related to the Consumer Price Index (CPI)
D. Linked to the rate of inflation

Answer: A

Explanation:
A whole-of-life unit-linked policy is a permanent life insurance policy where the payout depends on the investment performance of the underlying insurance fund.
* How It Works:
* Premiums are invested in unit-linked funds chosen by the policyholder.
* The policy value fluctuates based on the fund's performance.
* Some policies offer a minimum guaranteed payout, while others fully depend on market returns.
* Why is Option A Correct?
* The value of the policy directly tracks the investment performance of the insurance fund.
* Why Not Other Options?
* B (CPI) # Inflation affects purchasing power but does not directly determine returns.
* C (Inflation-linked) # Some policies may be inflation-protected, but not all.
* D (Interest rates) # Returns depend more on equity or bond fund performance than interest rates.
# Reference: FCA Handbook (Insurance Conduct of Business), CISI Wealth & Investment Management.

NEW QUESTION # 119
A fiduciary relationship normally arises between:

A. A head of state and its government
B. A lawyer and client
C. A husband and wife
D. A company and its suppliers

Answer: B

Explanation:
# Reference: CISI Code of Ethics, CFA Standards of Professional Conduct.

NEW QUESTION # 120
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