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質問 # 449
Ayra believes the Canadian economy will be booming for the next five years. Which mutual fund can provide Ayra with the most tax efficiency if she keeps her investment in a non-registered account?
正解：D
解説：
In a booming economy, equity growth mutual funds provide the best opportunity for capital gains. In a non- registered account, capital gains are the most tax-efficient form of income since only 50% is taxable.
Bonds, mortgages, and money market funds primarily generate interest income, which is fully taxable at the investor's marginal rate.
Thus, the most tax-efficient choice is an equity growth fund.
質問 # 450
Julia invested in ERF energy mutual fund three years ago. At that time, the price of the fund was $25.44 per unit. Over time, the unit price has dropped to $19.72, however Julia does not want to consider selling her investment until it returns to $25.44. What bias is she demonstrating?
正解：D
解説：
Anchoring bias occurs when an investor fixates on a reference point (e.g., purchase price) and refuses to sell until the investment returns to that level, even if conditions have changed .
Julia anchors on $25.44, her purchase price, and won't sell at $19.72.
Availability bias = reliance on recent/easy info.
Representativeness = stereotyping based on limited traits.
Hindsight bias = belief that past events were predictable.
Thus, Julia demonstrates Anchoring bias.
質問 # 451
Which of the following is a conflict of interest that should be AVOIDED?
正解：B
解説：
A conflict of interest is a situation in which a person's personal interests conflict with their professional duties or responsibilities. A conflict of interest should be avoided or disclosed to prevent harm to the client or the registrant. In this case, Arilla's client, Gwen, wants to co-invest with Arilla in units of a real estate limited partnership. This is a conflict of interest because Arilla may have a personal interest in the investment that could influence her advice to Gwen or affect her ability to act in Gwen's best interest. For example, Arilla may benefit from the investment at Gwen's expense, or she may have access to information that Gwen does not have. Therefore, this is a conflict of interest that should be avoided by Arilla. She should decline Gwen's offer and explain that it would compromise her professional obligations and fiduciary duty to Gwen.
1: Canadian Investment Funds Course, Unit 2, Section 2.3
質問 # 452
Which person would be categorized as a vulnerable client?
正解：D
解説：
A vulnerable client is a client who, due to their personal circumstances, is especially susceptible to harm or disadvantage when dealing with financial services. Vulnerability can be permanent or temporary, and can arise from various factors, such as physical or mental health conditions, cognitive impairments, low financial literacy, language barriers, abuse, or discrimination. A vulnerable client may have different needs and challenges than other clients, and may require more support and protection from their adviser. Ginger would be categorized as a vulnerable client because she has reached retirement age and is easily confused, which may affect her ability to understand and make informed decisions about her financial situation. She may also be at risk of being exploited or misled by others who may take advantage of her confusion. Therefore, Ginger' s adviser should take extra care to ensure that she is treated fairly and that her best interests are served.
1: Canadian Investment Funds Course, Chapter 8: Suitability and Know Your Client1
質問 # 453
A fund manager who utilizes an interest rate anticipation philosophy forecasts a rise in interest rates. What change in asset allocation should he implement?
正解：D
解説：
When anticipating rising interest rates, a fund manager using an interest rate anticipation philosophy should reduce interest rate sensitivity by increasing holdings in short-term T-bills and high coupon bonds, which are less affected by rate increases. The feedback from the document states:
"Interest rate anticipation is a fixed-income investing philosophy that involves moving between long-term government bonds and very short-term T-bills, based on a forecast of interest rates over a certain time horizon. Price sensitivity to interest rate movements increases as the term to maturity increases and the coupon decreases. Therefore, to avoid a large capital loss if interest rates rise, the fund manager would decrease the fund's interest rate sensitivity." Reference: Chapter 15 - Selecting a Mutual FundLearning Domain: Evaluating and Selecting Mutual Funds
質問 # 454
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