All-in-One Exam Guide ICWIM Prep Guide

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CISI ICWIM Exam Syllabus Topics:

Section	Objectives
Regulation and Ethics	- Regulatory environment in financial services - Conduct of business and compliance principles - Ethical standards in investment advice
Investment Products and Suitability	- Taxation and charges overview - Suitability and client profiling - Equities, bonds, and collective investments
Wealth Management Principles	- Client investment needs and objectives - Portfolio construction basics - Risk and return concepts
Investment and Financial Markets	- Asset classes and investment products - Market participants and their roles - Structure of financial markets

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q21-Q26):

NEW QUESTION # 21
Typically, inflation is calculated by a central bank based on:

A. The prices of important commodities
B. A basket of goods
C. A survey of leading banks
D. The rate of change of interest rates

Answer: B

Explanation:
Inflation measures the rate at which the general price level of goods and services rises, reducing purchasing power.
* Why is Option C Correct?
* Inflation is measured using Consumer Price Indices (CPI), which track the cost of a fixed basket of goods and services over time.
* The basket includes food, housing, transportation, healthcare, and other essential expenses.
* Why Not Other Options?
* A (Survey of banks) # Banks may provide economic forecasts, but inflation is not calculated this way.
* B (Interest rates) # Central banks adjust interest rates in response to inflation but do not use them to calculate it.
* D (Commodities only) # Inflation measures overall price levels, not just commodities.
# Reference: UK Office for National Statistics (ONS) - Inflation Measurement, CISI Wealth & Investment Management.

NEW QUESTION # 22
Tax relief that can be claimed to prevent overseas profits being taxed twice is known as:

A. Overseas Taxation Relief
B. Double Taxation Relief
C. Dividend Taxation Relief
D. Double Taxation Agreement

Answer: B

Explanation:
Double Taxation Relief (DTR) is a mechanism to prevent individuals or companies from paying tax on the same income in two different jurisdictions. This is critical for taxpayers with international earnings or investments. The relief is typically provided under double taxation agreements (DTAs) between countries.

NEW QUESTION # 23
ROCE can be used to establish which of the following?

A. Returns generated from capital invested in the business
B. Net profit in relation to the cost of sales
C. Impact of borrowing costs on company performance
D. The net profitability of the business

Answer: A

Explanation:
* ROCE (Return on Capital Employed)
* Measures the efficiency and profitability of a company relative to the capital invested in the business.
* Formula: ROCE=Earnings Before Interest and Tax (EBIT)Capital Employed\text{ROCE} = \frac
{\text{Earnings Before Interest and Tax (EBIT)}}{\text{Capital Employed}} ROCE=Capital EmployedEarnings Before Interest and Tax (EBIT)
* Why the Answer is C
* ROCE specifically focuses on the returns generated from the capital base, providing insight into how effectively the business is using its resources.
* Why Other Options are Incorrect
* A. Net profitability: Refers to net profit margins, not ROCE.
* B. Borrowing costs: ROCE ignores borrowing costs as it considers EBIT.
* D. Net profit in relation to cost of sales: Refers to gross profit margin, not ROCE.
* ICWIM Study Guide, Chapter on Financial Ratios: Covers ROCE and its applications.
* Corporate Finance Texts: Defines ROCE as a key performance metric.
ReferencesThus, the correct answer isC. Returns generated from capital invested in the business.

NEW QUESTION # 24
What type of funds are exchange traded commodities ETCs?

A. Closed ended
B. Investment trusts
C. Open ended
D. Alternative investment funds

Answer: C

Explanation:
Exchange traded commodities are designed to track a commodity or a commodity index and are traded on a stock exchange in a similar way to exchange traded funds. The key structural point is that the supply of units can typically expand or contract through a creation and redemption process linked to market demand, with authorised counterparties able to bring new units to market or remove units from circulation. This mechanism helps the market price stay close to the value of the underlying exposure and is characteristic of open ended structures. Closed ended vehicles, such as investment trusts, have a fixed number of shares and can therefore trade at a premium or discount to net asset value. In contrast, exchange traded commodity structures are generally intended to minimise persistent premiums or discounts by allowing issuance and cancellation. For exam purposes, the most appropriate classification among the options is open ended, reflecting their ability to adjust the number of units in response to demand and the way they are used as a listed, low friction route to commodity exposure.

NEW QUESTION # 25
For what reason is holding bearer shares potentially disadvantageous?

A. The loss of the certificate might equal loss of the person's investment
B. Because it is not possible to sell part of the holding
C. They are more difficult to value
D. Investors prefer not being publicly named on a share register

Answer: A

Explanation:
Bearer shares are physical certificates that grant ownership, and the rights to those shares are with the bearer.
If the certificate is lost or stolen, the investment could effectively be unrecoverable since ownership cannot be traced back to the investor.
* Not being publicly named (A): This is an advantage of bearer shares, not a disadvantage.
* Difficulty in valuation (C): Bearer shares' value is similar to registered shares based on market conditions.
* Impossible to sell part (D): Fractional transactions can still occur with bearer shares.
References:
* International Certificate in Wealth & Investment Management: Risks associated with different forms of equity ownership.
* Legal frameworks around bearer shares and their potential misuse in financial systems.

NEW QUESTION # 26
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