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質問 # 449
What is the level of risk associated with a mortgage fund compared to other types of funds?
正解：B
解説：
The correct answer is D. More risk than a dividend fund, but less risk than an equity fund. The Investment Funds in Canada curriculum explains that mortgage funds invest primarily in residential and commercial mortgages, generating income from interest payments.
Mortgage funds carry credit risk, interest rate risk, and liquidity risk, making them riskier than traditional dividend or fixed-income funds, which often hold publicly traded securities. However, they are generally less volatile than equity funds, which are subject to broader market fluctuations and business risk.
Dividend funds typically invest in established companies with stable cash flows and are therefore less risky than mortgage funds. Equity funds expose investors to full market risk and price volatility, placing them at a higher risk level than mortgage funds.
The CIFC course places mortgage funds in the mid-risk spectrum, between income-oriented equity funds and growth-oriented equity funds. Therefore, Option D is the correct and fully CIFC-verified answer.
質問 # 450
Who is responsible for the explicit costs of operating a mutual fund?
正解：D
解説：
Explicit costs of operating a mutual fund include:
Management fees,
Operating expenses,
Custodial fees,
Record-keeping,
Marketing/distribution.
These costs are embedded in the MER (Management Expense Ratio) and are borne by the investors, as they reduce fund returns.
The manager (B) oversees operations but does not personally cover costs.
The sponsor (C) establishes the fund, and the distributor (D) sells units, but neither pays the ongoing operating costs.
質問 # 451
You have been researching Canadian equity mutual funds for a new client. You come across the following information.
What can you conclude from this information?
正解：D
解説：
The management expense ratio (MER) is the percentage of a fund's assets that is paid to the fund manager for operating and managing the fund. A higher MER means that more of the fund's returns are eaten up by fees, leaving less for the investors. Therefore, Fontaine Equity Fund's higher MER of 2.99% contributes to its lower 5-year annualized return of 11.25%, compared to Chamberlain Equity Fund's MER of 2.57% and 5- year annualized return of 13.42%. Therefore, D is the correct answer. , Management Expense Ratio (MER):
Definition and How It Works - Investopedia
質問 # 452
A client decides to buy a mutual fund with a NAVPS of $15.00 and a 3% sales charge. What is the front-end load as a percentage of the net amount invested?
正解：B
解説：
A front-end sales charge is normally quoted as a percentage of the total purchase price, whereas the question asks for the charge as a percentage of the net amount actually invested . If the sales charge is 3%, then 97% of the client ' s total payment is invested. Therefore, the equivalent load relative to the net investment is calculated as 3% ÷ 97% = 3.09278%, which rounds to 3.093% . Using the $15.00 NAVPS gives the same result: the offering price is approximately $15 ÷ 0.97 = $15.4639, so the sales charge is approximately
$0.4639 per unit. Dividing $0.4639 by the $15.00 net amount invested gives approximately 3.093%.
Therefore, Option B is correct.
質問 # 453
You have been researching Canadian equity mutual funds for a new client. You come across the following information.
What can you conclude from this information?
正解：D
解説：
The management expense ratio (MER) is the percentage of a fund's assets that is paid to the fund manager for operating and managing the fund. A higher MER means that more of the fund's returns are eaten up by fees, leaving less for the investors. Therefore, Fontaine Equity Fund's higher MER of 2.99% contributes to its lower 5-year annualized return of 11.25%, compared to Chamberlain Equity Fund's MER of 2.57% and 5- year annualized return of 13.42%. Therefore, D is the correct answer. , Management Expense Ratio (MER):
Definition and How It Works - Investopedia
質問 # 454
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