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| Section | Weight | Objectives |
|---|---|---|
| Lifetime Financial Provision | 18% | - Estate and succession planning - Retirement planning - Protection and insurance planning - Trusts and foundations |
| Economics and Investment Analysis | 10% | - Investment mathematics and statistics - Valuation methods - Economic indicators and cycles - Macroeconomics and markets |
| The Financial Services Sector | 16% | - Structure and participants - Market functions and products - Ethical standards and professional conduct - Regulatory objectives and frameworks |
| Fiduciary Relationships | 16% | - Client needs assessment - Conflicts of interest - Risk profiling and suitability - Duties and responsibilities |
| Investment Advice | 21% | - Advisory process - Communication and documentation - Portfolio recommendations and review - Taxation principles |
| Investment Management | 15% | - Portfolio construction theories - Performance measurement and evaluation - Risk and return concepts - Investment strategies |
| Industry Regulation | 10% | - Regulatory authorities and rules - Client categorization and protection - Compliance and governance - Financial crime prevention |
| Asset Classes | 10% | - Cash and money market instruments - Fixed income securities - Derivatives - Real estate and alternative assets - Equities |
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NEW QUESTION # 114
Why might an expansionary fiscal policy lead to future inflationary pressures?
Answer: B
Explanation:
* Expansionary Fiscal Policy and Inflation:
* Expansionary fiscal policy increases aggregate demand by boosting public spending or reducing taxes.
* This raises employment, leading to higher wage demands as workers negotiate for their share of economic growth.
* Higher wages increase production costs, causing inflationary pressures.
* Elimination of Other Options:
* A: Higher interest rates are associated with contractionary, not expansionary, policy.
* C: Private sector investment typically rises, not falls.
* D: Time lag affects the policy's impact but is not a direct cause of inflation.
References:
* ICWIM Module 1: Discussion on fiscal policy and its effects on inflation.
NEW QUESTION # 115
An economy with two consecutive quarters of negative growth is considered to be in what phase of the economic cycle?
Answer: D
Explanation:
A recession is defined as two consecutive quarters of negative GDP growth. It represents an economic downturn where output, income, and employment decline.
* Key Characteristics of a Recession:
* Falling GDP - Two successive quarters of contraction.
* Rising Unemployment - Businesses cut jobs due to weak demand.
* Declining Consumer Spending - Households reduce purchases.
* Lower Business Investment - Firms delay expansion plans.
* Difference Between Recession and Depression:
* A depression is a severe and prolonged recession (e.g., the Great Depression of 1929).
# Reference: UK Office for National Statistics (ONS) GDP Reports, CISI Wealth & Investment Management (Economic Cycles).
NEW QUESTION # 116
A company recently increased its earnings per share (EPS) figure by 10%. This means that the company's:
Answer: C
Explanation:
Earnings per share (EPS) measures profitability per share. A higher EPS means a company has more earnings available for dividends or reinvestment.
* Why is Option B Correct?
* An increase in EPS improves the company's ability to pay dividends, as there are more profits available per share.
* Why Not Other Options?
* A (Share base widened) # EPS is based on net income, not share count.
* C (Market share risen) # Higher EPS does not mean higher revenue or market share.
* D (P/E ratio increased) # The P/E ratio depends on share price movements, not just EPS.
# Reference: CFA Institute (Earnings Analysis), CISI Wealth & Investment Management.
NEW QUESTION # 117
The difference between principal trading and agency trading is that an agent:
Answer: B
Explanation:
In agency trading, the firm acts as an intermediary on behalf of the client, arranging the transaction in the market rather than trading from its own inventory. The firm's role is to execute the client's order and it is typically remunerated by a commission or explicit fee for that service. This contrasts with principal trading, where the firm trades using its own trading book and becomes the counterparty to the client. In principal trades, the firm's economic reward is commonly embedded in the price, often through the bid-offer spread or a mark-up or mark-down, and this structure can create different conflicts of interest and best execution considerations. Option A describes principal trading, not agency. Option C also aligns more with principal dealing, where the dealer's spread is the source of profit. Option B is incorrect because best execution obligations apply and the firm must take sufficient steps to obtain the best possible result for the client within the applicable execution policy. The clearest distinguishing feature for an agent in this question set is that an agent charges commission.
NEW QUESTION # 118
Personal accident policies will pay out:
Answer: D
Explanation:
* Personal Accident Policies:
* These policies often include a waiting period before payouts, allowing insurers to verify claims and ensure eligibility.
* The waiting period varies depending on the policy terms.
* Elimination of Other Options:
* A: A doctor's visit is often necessary but not sufficient for payout.
* B: Payments are not instantaneous.
* D: Documentation is required, but it is part of the claim process, not the trigger for payout.
References:
* ICWIM Module 5: Details on insurance policy structures and claims processes.
* Personal Accident Policies:
* These policies often include a waiting period before payouts, allowing insurers to verify claims and ensure eligibility.
* The waiting period varies depending on the policy terms.
* Elimination of Other Options:
* A: A doctor's visit is often necessary but not sufficient for payout.
* B: Payments are not instantaneous.
* D: Documentation is required, but it is part of the claim process, not the trigger for payout.
References:
* ICWIM Module 5: Details on insurance policy structures and claims processes.
NEW QUESTION # 119
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