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The CISI ICWIM certification verifies that you have a basic understanding of International Certificate in Wealth & Investment Management concepts and virtualization. Success in the ICWIM exam of the CISI ICWIM certificate also proves your knowledge of basic troubleshooting concepts and data center technology. When you earn the ICWIM Certification you will get reliable exam guide materials.
| Section | Objectives |
|---|---|
| Regulation and Ethics | - Conduct of business and compliance principles - Regulatory environment in financial services - Ethical standards in investment advice |
| Wealth Management Principles | - Portfolio construction basics - Risk and return concepts - Client investment needs and objectives |
| Investment and Financial Markets | - Asset classes and investment products - Market participants and their roles - Structure of financial markets |
| Investment Products and Suitability | - Equities, bonds, and collective investments - Suitability and client profiling - Taxation and charges overview |
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NEW QUESTION # 202
Your client estimates that they will require £50,000 of income annually to live off when they retire. Personal plus state pension will provide £40,000. They wish to retire in 25 years' time. It is estimated that they can earn 5% per annum, and inflation has been forecast at 2%. Interest rates are currently 1.5%. Allowing for inflation, what lump sum would they need to accrue to supplement their pension?
Answer: B
Explanation:
To calculate the required lump sum, we need to determine the present value (PV) of future withdrawals, adjusted for inflation and investment growth.
A screenshot of a paper AI-generated content may be incorrect.
NEW QUESTION # 203
A person who disguises criminal property is committing the offence of:
Answer: D
Explanation:
Disguising criminal property falls within the core money laundering offences associated with concealing the origins or nature of illicit assets. Concealing covers conduct such as hiding, disguising, converting, transferring, or removing criminal property to make it appear legitimate or to prevent its detection, seizure, or confiscation. The key feature is dealing with the property in a way that obscures its true source, ownership, location, or movement. Failure to disclose is a separate offence that applies when a person in the regulated sector does not report knowledge or suspicion of money laundering to the appropriate internal or external reporting channel. Tipping off relates to informing a person that a report has been made or that an investigation is underway, potentially prejudicing an investigation. Arrangements refers to becoming involved in an arrangement which facilitates the acquisition, retention, use, or control of criminal property by or on behalf of another person. Because the question focuses specifically on disguising criminal property, the clearest and most direct offence is concealing.
NEW QUESTION # 204
The ongoing charges figure for a mutual fund should be included in its:
Answer: B
Explanation:
The ongoing charges figure (OCF) of a mutual fund is included in its Key Investor Information Document (KIID). The KIID provides standardized and essential information about a fund's costs, risks, and performance, ensuring transparency for investors.
Reference:
ICWIM, Topic: Fund Documentation and Regulatory Requirements.
EU UCITS Directive: Requirement for KIIDs.
NEW QUESTION # 205
A market which employs an electronic order book to match buyers with sellers in strict order by price is known as:
Answer: D
Explanation:
In an order-driven market, an electronic order book is used to match buy and sell orders based on strict price and time priority. This system ensures transparency and fair pricing since all orders are visible to market participants.
NEW QUESTION # 206
Mortgage protection can assist when:
Answer: C
Explanation:
Mortgage protection insurance (MPI) is designed to cover mortgage payments in case of unexpected life events, such as illness or death of the primary earner.
* Why is Option C Correct?
* If the main wage earner falls ill or dies, MPI ensures the mortgage is paid so that their family does not lose their home.
* Why Not Other Options?
* A (Property prices rise) # Property price increases do not affect mortgage repayments.
* B (Interest rates rise) # While rising rates increase mortgage costs, MPI does not cover rate changes.
* D (Property price collapse) # MPI does not protect against declining property values.
# Reference: CISI Wealth & Investment Management (Protection Planning), FCA Mortgage Market Review (MMR).
NEW QUESTION # 207
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