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목표를 이루는 방법은 여러가지가 있는데 어느 방법을 선택하면 가장 빨리 목표를 이룰수 있을가요? FINRA인증 SIE시험을 패스하는 길에는DumpTOP의FINRA인증 SIE덤프를 공부하는 것이 가장 좋은 방법이라는것을 굳게 약속드립니다. DumpTOP의FINRA인증 SIE덤프는 시험문제에 초점을 두어 제작된 공부자료이기에FINRA인증 SIE패스를 가장 빠른 시일내에 한방에 할수 있도록 도와드립니다.
| Section | Weight | Objectives |
|---|---|---|
| Understanding Products and Their Risks | 44% | - Alternative Investments - Municipal Securities - Debt Securities - Packaged Products - Options - Risk Characteristics - Equity Securities |
| Knowledge of Capital Markets | 16% | - Entities, Agencies and Market Participants - Offerings - Market Structure - Economic Factors |
| Understanding Trading, Customer Accounts and Prohibited Activities | 31% | - Prohibited Activities - Customer Accounts and Compliance - Trading, Settlement and Corporate Actions |
| Overview of Regulatory Framework | 9% | - Registration and Conduct Rules - SRO Rules and Requirements - Federal Securities Laws |
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질문 # 99
Which of the following characteristics is found in both qualified and nonqualified retirement plans?
정답：B
설명：
The correct answer is A, Tax deferral. Both qualified and nonqualified retirement plans share the feature of tax-deferred growth, meaning that earnings within the account are not taxed until they are withdrawn.
Step-by-step, in qualified plans (such as 401(k)s), contributions are often made with pre-tax dollars, and taxes are deferred until distribution. In nonqualified plans (such as annuities or certain deferred compensation plans), contributions are typically made with after-tax dollars, but the earnings still grow tax-deferred. This shared feature is the key similarity between the two types of plans.
Choice B, tax deduction, applies mainly to qualified plans, where contributions may be tax-deductible.
Nonqualified plans generally do not offer this benefit. Choice C, nondiscrimination, is a requirement only for qualified plans to ensure fairness among employees and prevent favoring highly compensated individuals.
Choice D, creditor protection, is typically stronger in qualified plans under ERISA, but not consistently available in nonqualified plans.
Therefore, the only characteristic common to both qualified and nonqualified retirement plans is tax-deferred growth, making Answer A correct.
질문 # 100
An investor purchases 100 shares of a no-load mutual fund at $20 per share. Three months later, the investor receives a $1 per share dividend that is reinvested at $25 per share. What is the investor ' s cost basis for the mutual fund shares after the reinvestment?
정답：C
설명：
The correct answer is B, $2,100. Cost basis represents the total amount invested in a security, including reinvested dividends. It is critical for determining capital gains or losses when the investment is eventually sold.
Step 1: Calculate the initial investment. The investor buys 100 shares at $20, resulting in:
100 × $20 = $2,000
Step 2: Calculate the dividend received. The investor receives a $1 per share dividend on 100 shares:
100 × $1 = $100
Step 3: Determine reinvestment. The $100 dividend is reinvested at $25 per share. This purchases:
$100 ÷ $25 = 4 additional shares
Step 4: Adjust cost basis. Even though the investor now owns more shares (104 total), the key point is that reinvested dividends are added to the cost basis because they are treated as new investments. Therefore:
$2,000 (original investment) + $100 (reinvested dividend) = $2,100
The reinvestment price does not change the total cost basis amount-only the number of shares acquired.
Thus, the investor's total cost basis after reinvestment is $2,100, making choice B correct.
질문 # 101
An investor owns 100 shares of a company's stock and is very interested in electing a particular individual to the board of directors of the corporation. There are 20 individuals running to fill 10 board seats. If the corporation uses the cumulative voting method, what is the maximum number of votes the investor is permitted to cast for this particular director?
정답：D
설명：
In cumulative voting, shareholders can allocate all their votes to a single candidate. The total number of votes is calculated by multiplying the number of shares owned by the number of seats available:
* Total votes = 100 shares × 10 seats = 1,000 votes.
* The investor can allocate all votes to one candidate.
* C is correct because cumulative voting allows all votes to be concentrated.
Reference: SIE Study Guide, Chapter 5: Corporate Governance
질문 # 102
When is a newly registered person subject to the Continuing Education Regulatory Element requirement?
정답：D
설명：
Step by Step Explanation:
* Regulatory Element Requirement: Newly registered persons must complete the Continuing Education (CE) Regulatory Element on the second anniversary of their initial registration and every three years thereafter.
* Incorrect Options:
* A: The requirement begins on the second anniversary, not the following calendar year.
* D: The cycle is every three years, not five.
References:
* FINRA Rule 1240 (Continuing Education): FINRA Rule 1240.
질문 # 103
A registered representative (RR) opens a new account for a customer whose investment objectives are growth and income. She makes an initial deposit of $5,500 using a series of money orders drawn from different sources, and she makes no investments for the first 30 days the account is open. At the end of that time, the customer asks to have the funds wired to an account at a different firm as her needs have changed. The RR's first course of action should be to:
정답：D
설명：
Step by Step Explanation:
* Suspicious Activity: The use of multiple money orders, lack of investment activity, and request to wire funds to another firm raise red flags for potential money laundering.
* FINRA Rules: The RR should escalate the issue by reporting internally and potentially filing a Suspicious Activity Report (SAR).
* Incorrect Options:
* A: Denying the request without investigation may violate customer instructions.
* B: Freezing the account requires a valid legal or regulatory basis.
* D: Processing the request without investigation could facilitate illegal activity.
:
FINRA Anti-Money Laundering (AML) Guidance: FINRA AML Rules.
질문 # 104
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