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CISI IFC 시험요강:

주제소개
주제 1
  • 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.
주제 2
  • 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.
주제 3
  • Understanding Alternative Managed Products: This domain introduces investment products beyond traditional mutual funds, including ETFs, segregated funds, and hedge funds, examining their features, structures, benefits, risks, and regulatory treatment.
주제 4
  • 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.
주제 5
  • 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.
주제 6
  • Introduction to the Mutual Funds Marketplace: This domain covers the structure of Canada's mutual fund industry, including key participants like manufacturers, distributors, and regulators, along with distribution channels and the regulatory framework governing the industry.

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최신 Investment Funds in Canada IFC 무료샘플문제 (Q400-Q405):

질문 # 400
What bias would influence an investor's decision to continue to hold an unprofitable investment despite little likelihood of an improvement in the investment's value?

정답：C

설명：
Loss aversion bias causes investors to hold onto unprofitable investments due to a stronger desire to avoid losses than to seek gains. The feedback from the document states:
"Loss aversion bias states that people generally feel a stronger impulse to avoid losses than to acquire gains.
Loss aversion can prevent people from unloading unprofitable investments, even when they see little to no prospect of a turnaround." Reference: Chapter 5 - Behavioural FinanceLearning Domain: The Know Your Client Communication Process


질문 # 401
Based on your discussions with your client Sierra, you believe an asset allocation of 30% fixed income and
70% equities will help her achieve her long-term goals.What type of asset allocation strategy are you implementing?

정답：C

설명：
A strategic asset allocation strategy is one that involves setting target allocations for various asset classes based on the investor's risk tolerance, time horizon, and investment objectives, and rebalancing the portfolio periodically to maintain the original allocations. This strategy is compatible with a buy-and-hold approach and aims to achieve long-term goals by diversifying across different asset classes and markets. In this case, you are implementing a strategic asset allocation strategy for your client Sierra by assigning 30% of her portfolio to fixed income and 70% to equities, and planning to rebalance her portfolio when the actual allocations deviate significantly from the target allocations.
Canadian Investment Funds Course, Unit 7, Section 7.1


질문 # 402
A sample of four portfolios is given below, with an even split between allocations 1 and 2.
Portfolios | Allocation #1 | Allocation #2
Portfolio A
Preferred shares
Common shares
Portfolio B
Treasury bills
Debentures
Portfolio C
Debentures
Common shares
Portfolio D
Treasury bills
Preferred shares
Which portfolio carries the greatest amount of risk?

정답：D

설명：
Risk hierarchy in CSC: Common shares (highest risk), Preferred shares, Debentures, Bonds, T-bills (lowest risk) .
Portfolio analysis:
A (Preferred + Common) # Medium-high risk.
B (T-bills + Debentures) # Low-medium risk.
C (Debentures + Common) # Contains common shares (high risk) plus debentures (credit risk), making it highest overall risk.
D (T-bills + Preferred) # Low risk.
Therefore, Portfolio C carries the greatest amount of risk.


질문 # 403
Which of the following statements about pension adjustments (PA) is TRUE?

정답：D

설명：
A pension adjustment (PA) is the amount that the Canada Revenue Agency (CRA) assigns to your pension plan each year to reflect the value of the pension benefits that you earned. The PA reduces your registered retirement savings plan (RRSP) contribution room for the following year by the same amount. The PA ensures that all taxpayers have access to comparable tax assistance, regardless of the type of pension plan they participate in. You will receive a PA whether you are in a defined contribution or a defined benefit pension plan, but the calculation of the PA will differ depending on the type of plan. (Canadian Investment Funds Course, Chapter 8, Section 8.2) Canadian Investment Funds Course, Chapter 8, Section 8.2: Retirement Savings Plans and Pension Plans Investopedia: Pension Adjustment: Definition and Types of Plans1 PlanEasy: What Is A Pension Adjustment?2


질문 # 404
Salvatore and Harriet recently got married. They are presently renting but are looking forward to buying a new home within 5 years. They both have separate savings established in their respective registered retirement savings plans (RRSPs) of $100,000 each. They have come to Dustin, a Dealing Representative, to open an additional joint investment account to increase their savings to assist with their future plans of buying a new home.
What does Dustin need to ensure about his recommendation?

정답：A

설명：
Dustin needs to ensure that his recommendation is suitable for the new joint account, which may have a different risk profile than the individual accounts of Salvatore and Harriet. A joint account is an account that is owned by two or more people who share the rights and responsibilities of the account. A joint account may have different investment objectives, time horizon, risk tolerance, and financial situation than the individual accounts of the joint owners. Therefore, Dustin needs to conduct a know your client (KYC) process for the joint account and determine the appropriate risk profile for the account, based on the collective responses of Salvatore and Harriet. The risk profile of the joint account will guide Dustin in recommending suitable investment products and services that match the goals and needs of the joint owners


질문 # 405
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