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CISI International Certificate in Wealth & Investment Management Sample Questions (Q102-Q107):

NEW QUESTION # 102
Which index tracking method requires a swap agreement?

A. Stratified Sampling
B. Optimisation
C. Synthetic Replication
D. Full replication

Answer: C

Explanation:
Synthetic replication involves tracking an index using derivatives such as swaps. A swap agreement allows the fund to replicate the index performance without holding the actual underlying assets, reducing transaction costs and increasing efficiency.

NEW QUESTION # 103
Which of the following elements would be included in a recommendation report to a client?

A. Previous arrangements
B. Interest rate
C. Inflation rate
D. Protection

Answer: A

Explanation:
A recommendation report (or suitability report) is a formal document provided by financial advisers to clients. It outlines investment recommendations and justifications based on the client's personal circumstances.
* Why is Option D Correct?
* The FCA requires firms to consider a client's existing investments, pensions, and insurance policies before making recommendations.
* This ensures that clients are not sold duplicate or unsuitable products.
* Reviewing previous arrangements helps advisers identify gaps in financial planning.
* What Else Is Included in a Recommendation Report?
* Investment objectives & risk tolerance.
* Tax considerations.
* Cost disclosures and fees.
* Why Not Other Options?
* A (Inflation rate) # While inflation is considered, it is not a mandatory section in suitability reports.
* B (Interest rate) # Relevant for fixed income investments, but not always necessary.
* C (Protection) # Only included if insurance products are being recommended.
# Reference: FCA Conduct of Business Sourcebook (COBS 9 - Suitability Reports), CISI Wealth & Investment Management.

NEW QUESTION # 104
An inherent disadvantage with a defined contribution pension scheme is that:

A. Employees always have to contribute more than employers
B. Gains within the scheme are subject to capital gains tax
C. Employers never contribute to the scheme
D. The level of retirement income is not known before retirement

Answer: D

Explanation:
A Defined Contribution (DC) pension scheme is a retirement savings plan where contributions are invested, and the final pension depends on investment performance.
* Why is Option A Correct?
* The final retirement income is uncertain because it depends on investment returns, contribution levels, and annuity rates at retirement.
* Unlike Defined Benefit (DB) schemes, where retirees receive a fixed pension, DC schemes do not guarantee a set payout.
* How Defined Contribution (DC) Schemes Work:
* Contributions are made by employees (and often by employers).
* Funds are invested in stocks, bonds, or mixed assets.
* Upon retirement, the individual may withdraw lump sums, purchase an annuity, or opt for pension drawdown.
* Why Not Other Options?
* B (Employers never contribute) # Incorrect. Many employers do contribute, particularly in workplace pensions (e.g., auto-enrolment in the UK).
* C (Capital gains tax applies) # Incorrect. Pension funds grow tax-free (no CGT on gains).
* D (Employees always contribute more) # Incorrect. Employer contributions vary by scheme- some match employee contributions, others contribute less.
# Reference: UK Pensions Act 2008 (Auto-Enrolment), FCA Pension Regulations, CISI Wealth & Investment Management.

NEW QUESTION # 105
Negotiable bearer securities issued by commercial banks in exchange for fixed-term deposits are known as:

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

Answer: A

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 # 106
Which of the following underlies the pillars of risk tolerance?

A. Education
B. Psychological traits
C. Sociological traits
D. Experience

Answer: B

Explanation:
Risk tolerance is primarily determined by an investor's psychological traits, such as their emotional response to financial risk.
* Why is Option A Correct?
* Investors' decision-making processes are influenced by behavioral finance, emotions, and cognitive biases.
* Some investors are naturally risk-averse, while others are risk-seeking.
* Why Not Other Options?
* B (Sociological traits) # Social factors may influence investment choices but do not define risk tolerance.
* C (Education) # Knowledge affects investment decisions, but risk tolerance is deeply personal.
* D (Experience) # Investors may gain confidence with experience, but core risk preferences remain psychological.
# Reference: CFA Institute (Behavioral Finance & Risk Tolerance), CISI Wealth & Investment Management.

NEW QUESTION # 107
......

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q102-Q107):

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