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CISI IFC Prüfungsplan:

Thema	Einzelheiten
Thema 1	The Know Your Client Communication Process: This domain focuses on gathering and documenting client information to ensure suitable recommendations, including understanding financial situations, investment objectives, risk tolerance, and maintaining ongoing communication with clients.
Thema 2	Analysis of Mutual Funds: This domain addresses evaluation tools and techniques for mutual fund performance, including quantitative measures like returns and risk metrics, and qualitative factors like manager experience and investment style.
Thema 3	The Modern Mutual Fund: This domain examines mutual fund structures, types, and operations, covering equity, fixed income, balanced, and specialty funds, their legal structures, pricing mechanisms, purchase processes, and associated fees.
Thema 4	Evaluating and Selecting Mutual Funds: This domain covers the systematic process of choosing appropriate mutual funds based on client needs, including selection criteria, cost considerations, performance history, and ongoing portfolio monitoring and rebalancing.
Thema 5	Understanding Investment Products and Portfolios: This domain explores various investment products including stocks, bonds, and securities, along with portfolio construction principles, asset allocation strategies, and how different products work together to meet client objectives.

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IFC Zertifizierungsantworten - IFC Testantworten

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CISI Investment Funds in Canada (IFC) Exam IFC Prüfungsfragen mit Lösungen (Q392-Q397):

392. Frage
Marta is turning 71 years old this year. She will have to convert her registered retirement savings plan (RRSP) to a registered retirement income fund (RRIF). Which of the following statements is TRUE?

A. She does not have to withdraw the minimum amount this year.
B. She will be subject to annual maximum withdrawal limits.
C. She will be able to continue contributing to her RRIF and be subject to the same annual limits as her RRSP.
D. When she converts her RRSP to a RRIF, she will incur a tax liability.

Antwort: A

Begründung:
The statement that is true about Marta's situation is option D. A registered retirement income fund (RRIF) is a type of registered account that provides income in retirement by converting savings from an RRSP or other sources. A RRIF holder must withdraw a minimum amount from their RRIF each year, starting from the year after they open their RRIF. The minimum amount is calculated based on a percentage factor set by the Canada Revenue Agency (CRA) and the value of the RRIF at the beginning of each year. However, due to the COVID-19 pandemic, the CRA has reduced the required minimum withdrawals from RRIFs by 25% for 2020 and 2021. Therefore, Marta does not have to withdraw the minimum amount this year if she chooses to take advantage of this temporary measure. Therefore, option D is true about Marta's situation. The other statements are not true about Marta's situation. Option A is false because she will not be able to continue contributing to her RRIF and be subject to the same annual limits as her RRSP; rather, she will not be able to make any further contributions to her RRIF once she converts her RRSP to a RRIF. Option B is false because she will not incur a tax liability when she converts her RRSP to a RRIF; rather, she will only pay tax on the amount that she withdraws from her RRIF each year. Option C is false because she will not be subject to annual maximum withdrawal limits; rather, she will be able to withdraw any amount from her RRIF as long as she meets the minimum withdrawal requirement. References: [Registered Retirement Income Fund (RRIF)
| GetSmarterAboutMoney.ca], [Making RRIF withdrawals | GetSmarterAboutMoney.ca], [RRIF minimum withdrawal factors], [RRIFs: Temporary 25% reduction in minimum withdrawals for 2020 and 2021]

393. Frage
What party is responsible for ensuring that a public corporation's total number of outstanding common shares does not exceed its total number of authorized shares?

A. Distributor
B. Trustee
C. Registrar
D. Portfolio manager

Antwort: C

Begründung:
A corporation's charter specifies the maximum number of authorized shares it may issue. The Registrar (provincial securities administrator) ensures compliance so that a public corporation does not issue more shares than authorized.
Trustees oversee debt obligations.
Portfolio managers manage investments.
Distributors sell securities but do not regulate share issuance.
Thus, the responsible party is the Registrar.

394. Frage
Douglas, aged 73, won a lottery prize of $100,000 last week. Today he contacted Vincent, his Dealing Representative, with instructions to contribute the winnings to his registered retirement income fund (RRIF) account.
Which of the following statement about RRIF is CORRECT?

A. Withdrawals from a non-qualifying RRIF are not taxable.
B. Deposits into RRIFs are not permitted.
C. Deposits to a RRIF entitle Douglas to a tax deduction.
D. Deposits to RRIFs cannot be withdrawn for 5 years.

Antwort: B

Begründung:
A RRIF is a retirement income option that allows you to withdraw income from the savings accumulated under your RRSP. You cannot contribute new amounts to a RRIF. You can only transfer funds from your RRSP or another RRIF to your RRIF.
References = IFSE CIFC Module 6: Registered Plans, page 6-11. Can I deposit money in an RRIF? | Fonds FTQ

395. Frage
Darryl has a diversified investment portfolio of mutual funds in a non-registered account with Investwell Mutual Funds, a mutual fund dealer. Darryl's diversified portfolio is composed of 3 mutual funds. Each mutual fund is currently worth about $100,000. The ABC Canadian Equity Fund has a total return of 6%, the DEF Bond Fund has a total return of 8% and GHI Global Equity Fund has a total return of 10%. Darryl wants to make an in-kind contribution to his registered retirement savings plan (RRSP) account. He has unused RRSP contribution room of $60,000.
From a tax-efficient viewpoint, which funds contribute in-kind to his RRSP account?

A. Move $20,000 from each of the three funds to the RRSP.
B. Move the GHI Global Equity Fund to the RRSP
C. Move the DEF Bond Fund to the RRSP.
D. Move the ABC Canadian Equity Fund to the RRSP.

Antwort: C

Begründung:
Moving the DEF Bond Fund to the RRSP would be more tax-efficient than moving any of the other funds.
This is because bond funds generate interest income, which is fully taxable at the investor's marginal tax rate in a non-registered account. By moving the bond fund to an RRSP, Darryl can defer paying taxes on the interest income until he withdraws it from the RRSP. Moving the GHI Global Equity Fund to the RRSP (B) would not be tax-efficient, as global equity funds generate foreign income and dividends, which are subject to foreign withholding taxes in an RRSP. Moving $20,000 from each of the three funds to the RRSP would not be tax-efficient, as it would trigger capital gains taxes on all three funds in proportion to their returns.
Moving the ABC Canadian Equity Fund to the RRSP (D) would not be tax-efficient, as Canadian equity funds generate Canadian dividends, which are eligible for a dividend tax credit in a non-registered account. By moving the Canadian equity fund to an RRSP, Darryl would lose this tax advantage and pay taxes on the dividends at his marginal tax rate when he withdraws them from the RRSP.

396. Frage
Michael had invested in several mutual funds, most of which have appreciated in value. He is not sure if he needs to report the gain as capital gains when he files his income tax return.
What would you tell Michael?

A. Capital gains are taxed only on equity mutual funds.
B. Capital gains are not subject to tax.
C. Capital gains are taxed when they are realized.
D. He has to report any unrealized capital gains each year.

Antwort: C

Begründung:
Michael, capital gains are the profits you make when you sell an asset that has increased in value. For example, if you bought a mutual fund for $1,000 and sold it later for $1,500, you have a capital gain of $500.
Capital gains are taxed only when they are realized, which means when you actually sell the asset and receive the proceeds. You do not have to report any unrealized capital gains, which are the potential profits you would make if you sold the asset at its current market value. Capital gains are taxed on all types of mutual funds, not just equity funds. However, the amount of capital gains you have to report may vary depending on the type of fund and how often it distributes its gains to investors. Capital gains are not tax-free, but they are taxed at a lower rate than other types of income. You only have to pay tax on 50% of your net capital gains, which is the total capital gains minus the total capital losses in a year. For more information on how to calculate and report your capital gains, you can refer to the Canada Revenue Agency website1 or consult a tax professional.
Canadian Investment Funds Course, Chapter 9: Taxation of Investment Income2

397. Frage
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