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CISI ICWIM Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Market Environment20%- Role and function of financial markets
  • 1. Types of financial markets and their roles
  • 2. Market indices and benchmarks
  • 3. Market participants and intermediaries
- Economic environment
  • 1. Interest rates and inflation
  • 2. Business cycles
  • 3. Macroeconomic factors affecting investments
Topic 2: Financial Products20%- Bonds and fixed income
  • 1. Yield and price relationships
  • 2. Credit risk
  • 3. Bond types and characteristics
- Collective investments
  • 1. Funds and structured products
  • 2. Fund selection criteria
  • 3. ETFs and index trackers
- Equities and shares
  • 1. Valuation methods
  • 2. Types of equity
  • 3. Dividends and total return
Topic 3: Client Advisory25%- Portfolio construction
  • 1. Performance measurement
  • 2. Portfolio review and rebalancing
  • 3. Asset allocation strategies
- Client needs analysis
  • 1. Risk profiling and suitability
  • 2. Time horizons
  • 3. Investment objectives
Topic 4: Regulation and Ethics15%- Regulatory framework
  • 1. Investor protection
  • 2. Financial regulation principles
  • 3. Compliance requirements
- Ethical conduct
  • 1. Conflict of interest
  • 2. Professional responsibilities
  • 3. CISI Code of Ethics
Topic 5: Risk and Return20%- Portfolio theory
  • 1. Modern portfolio theory
  • 2. Risk-return profiling
  • 3. Asset allocation principles
- Risk concepts
  • 1. Risk diversification
  • 2. Risk measurement
  • 3. Types of investment risk

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q151-Q156):

NEW QUESTION # 151
Which of the following is an example of a mandatory corporate action with options?

Answer: D

Explanation:
Corporate actions are often classified by whether the shareholder must participate and whether there are choices. A mandatory corporate action with options is one where the event will happen, but the shareholder must make an election between alternatives. A rights issue fits this classification because the company proceeds with issuing rights to existing shareholders, but the shareholder typically has options such as taking up the rights to buy new shares, selling the rights, or allowing them to lapse, depending on the terms and market arrangements. Consolidation is generally mandatory with no choice, for example a share consolidation where holdings are adjusted according to a fixed ratio. A share buyback is usually voluntary because shareholders choose whether to tender shares. Takeover acceptance is also voluntary because shareholders decide whether to accept the offer, even though the corporate event may proceed if sufficient acceptances are obtained. The key test point is identifying where the shareholder must respond with an election. A rights issue is the most appropriate example of a mandatory corporate action with options.


NEW QUESTION # 152
How does the inclusion of a bond fund within a portfolio provide benefits over direct investing?

Answer: D

Explanation:
Bond funds offer greater diversification than purchasing individual bonds, reducing risk exposure.
* Why is Option B Correct?
* Broad diversification # A bond fund spreads investments across multiple issuers, reducing default risk.
* Professional management # Bond fund managers actively manage interest rate risk and credit risk.
* Why Not Other Options?
* A (Greater income) # Bond funds do not always provide higher income than direct bonds.
* C (Lower charges) # Bond funds may have management fees that individual bonds do not.
* D (Exact match to client needs) # Individual bonds may be better suited for specific income needs.
# Reference: CFA Institute (Fixed Income Investing), CISI Wealth & Investment Management.


NEW QUESTION # 153
If an investor expects to receive a bullet payment, they are likely to be invested in a:

Answer: D

Explanation:
* Understanding Bullet Payments:
* A bullet payment is a single payment of principal and interest at maturity.
* Zero coupon bonds do not provide periodic interest payments, making them associated with bullet payments.
* Elimination of Other Options:
* A: Treasury bonds typically pay semiannual interest.
* C: Convertible bonds may have periodic interest.
* D: Premium bonds involve prize draws, not bullet payments.
References:
* ICWIM Module 3: Coverage of fixed income securities and payment structures.


NEW QUESTION # 154
Equities have a higher risk/reward profile when compared to many other asset classes. Their use within a portfolio stems from:

Answer: A

Explanation:
Equities are often used to hedge against inflation because they represent ownership in real assets that can grow in value. Companies generally have the ability to pass on inflationary costs to consumers, which can preserve or enhance their profitability and the equity value.
Lower cost (B): Equities may incur higher transaction and management costs than other asset classes.
Align liabilities (C): While equities offer returns, liability alignment is more relevant to fixed-income assets.
Low volatility (D): Equities are more volatile than bonds or cash, making this statement incorrect.
References:
International Certificate in Wealth & Investment Management: Equities as inflation hedges and their risk
/reward profile.
Historical analysis of equity performance in inflationary periods.


NEW QUESTION # 155
Why would a composite benchmark be needed to measure portfolio performance?

Answer: A

Explanation:
* Need for a Composite Benchmark:
* Portfolios that span multiple asset classes (e.g., equities, bonds, commodities) require a composite benchmark to provide a fair performance comparison.
* Single benchmarks (e.g., S&P 500) would not accurately represent multi-asset portfolios.
* Elimination of Other Options:
* A: Composite benchmarks complicate fund management rather than simplify it.
* C: While portfolios are part of the investment universe, this does not necessitate a composite benchmark.
* D: Reducing tracking error is a goal but not the main reason for composite benchmarks.
References:
* ICWIM Module 3: Details on portfolio management and benchmark selection for performance measurement.


NEW QUESTION # 156
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