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CISI ICWIM Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Financial Products	20%	- Bonds and fixed income 1. Yield and price relationships 2. Bond types and characteristics 3. Credit risk - Collective investments 1. ETFs and index trackers 2. Funds and structured products 3. Fund selection criteria - Equities and shares 1. Valuation methods 2. Types of equity 3. Dividends and total return
Topic 2: Regulation and Ethics	15%	- Ethical conduct 1. Professional responsibilities 2. CISI Code of Ethics 3. Conflict of interest - Regulatory framework 1. Financial regulation principles 2. Compliance requirements 3. Investor protection
Topic 3: Risk and Return	20%	- Risk concepts 1. Types of investment risk 2. Risk diversification 3. Risk measurement - Portfolio theory 1. Risk-return profiling 2. Asset allocation principles 3. Modern portfolio theory
Topic 4: Market Environment	20%	- Role and function of financial markets 1. Types of financial markets and their roles 2. Market participants and intermediaries 3. Market indices and benchmarks - Economic environment 1. Macroeconomic factors affecting investments 2. Interest rates and inflation 3. Business cycles
Topic 5: Client Advisory	25%	- Client needs analysis 1. Time horizons 2. Investment objectives 3. Risk profiling and suitability - Portfolio construction 1. Performance measurement 2. Portfolio review and rebalancing 3. Asset allocation strategies

>> ICWIM Exam Topics <<

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q192-Q197):

NEW QUESTION # 192
A professional trader was given some price-sensitive, unpublished information in relation to a major grain supplier. As a direct result, they buy futures contracts on grain. Have they committed the offence of insider trading?

A. Yes, regardless of profit or loss
B. Only if they make a profit
C. No, provided the futures contract is held to expiry
D. No, futures on commodities are not defined as securities under insider trading regulations

Answer: D

Explanation:
Performance attribution analysis evaluates the performance of a portfolio by breaking it into components attributed to specific investment decisions. These include:
* Asset Allocation: The decision on the proportion of the portfolio allocated to different asset classes (e.
g., stocks, bonds).
* Sector Choice: Selecting specific sectors (e.g., technology, healthcare) within asset classes.
* Security Selection: Choosing individual securities within the selected sectors.
Risk analysis, while critical for investment management, is not typically part of standard performance attribution frameworks.
References:
* International Certificate in Wealth & Investment Management: Portfolio performance evaluation section.
* Standard attribution models: Brinson, Hood, and Beebower model widely used in performance attribution.

NEW QUESTION # 193
The management of investment portfolios of collective investment schemes, pension funds, insurance funds, hedge funds, and private equity would normally be considered to fall into the scope of:

A. Family offices
B. The wholesale financial sector
C. The retail financial sector
D. Private banking

Answer: B

Explanation:
* Wholesale Financial Sector Defined
* Involves large-scale financial transactions and services for institutions like pension funds, hedge funds, and insurance funds.
* Why the Answer is B
* Managing portfolios of collective investment schemes and large funds is a hallmark of the wholesale sector, focused on institutional rather than retail clients.
* Why Other Options are Incorrect
* A. Retail financial sector: Caters to individual clients, not institutional portfolios.
* C. Family offices: Focus on managing wealth for high-net-worth families.
* D. Private banking: Primarily deals with individual high-net-worth clients.
* ICWIM Study Guide, Chapter on Financial Market Segments: Differentiates wholesale and retail sectors.
* Investment Management Literature: Describes wholesale services.
References

NEW QUESTION # 194
Assuming an upward-sloping yield curve that does not change, how can a fund manager profit from buying a longer-dated bond?

A. As time passes, the yield and price of the purchased bond will rise
B. The yield will fall as the bond gets closer to maturity, so the bond can be sold for a profit
C. The yield will rise as the bond gets closer to maturity, so the bond can be sold for a profit
D. The gross redemption yield will rise on the purchased bond as maturity nears

Answer: B

Explanation:
In an upward-sloping yield curve, long-term bonds typically have higher yields than short-term bonds. As the bond nears maturity:
Price Appreciation: The bond price rises as the yield declines due to the pull-to-par effect.
Capital Gains Opportunity: A fund manager can sell the bond before maturity for a profit if interest rates remain unchanged.
Yield and Price Relationship: Bond prices move inversely to yields. When yields fall, prices rise, allowing for a profit upon sale.
# Reference: CISI Wealth & Investment Management (Fixed-Income Securities), CFA Institute (Bond Pricing
& Yield Curves).

NEW QUESTION # 195
An investor would regard a company's Interest Cover ratio as significant because it provides:

A. A breakdown of how much debt a company has in relation to equity
B. A summary of how much liquid cash an organisation has for funding dividend payments
C. An indication of the extent to which the company can service its debts
D. An indication of what interest rate the company is paying

Answer: C

Explanation:
Interest Cover Ratio measures how easily a company can meet interest payments on its debt.
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Why is Option A Correct?
A higher ratio means a company comfortably covers interest costs.
A low ratio signals higher financial risk and potential default risk.
Why Not Other Options?
B (Interest rate paid) # The ratio assesses coverage, not cost of debt.
C (Debt vs equity breakdown) # This is measured by the debt-to-equity ratio.
D (Cash for dividends) # Interest cover assesses debt serviceability, not dividend affordability.
# Reference: CFA Institute (Financial Ratios), CISI Wealth & Investment Management.

NEW QUESTION # 196
A firm has an existing client who is the head of a foreign state. What type of due diligence should the firm undertake if the client's spouse applies to become a client?

A. Enhanced
B. Simplified
C. Standard
D. Additional

Answer: A

Explanation:
A client who is the spouse of the head of a foreign state is classified as aPolitically Exposed Person (PEP).
Firms are required to undertakeenhanced due diligence (EDD)for PEPs and their immediate family members due to the increased risk of corruption, money laundering, or misuse of public funds.
* Simplified (A): This applies to low-risk clients, not PEPs.
* Standard (B): Standard due diligence is insufficient for PEPs or their relatives.
* Additional (D): This term is not a formal category under anti-money laundering (AML) regulations.
References:
* International Certificate in Wealth & Investment Management: AML procedures and the treatment of PEPs.
* FATF (Financial Action Task Force) guidelines on enhanced due diligence for politically exposed persons.

NEW QUESTION # 197
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