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合格できるCISI Investment Funds in Canada (IFC) Exam試験はいくつありますか? それらをすべて試してみてください! It-Passportsは、Investment Funds in Canada (IFC) Exam コーススペシャリストが開発した実際のCISI IFCの回答を含むInvestment Funds in Canada (IFC) Exam IFC試験問題への完全なアクセス権をUnlimited Access Planに提示します。 CISI Investment Funds in Canada (IFC) Examテストに合格できるだけでなく、さらに良くなります! また、すべての試験の質問と回答にアクセスして、合計1800以上の試験に合格することもできます。
質問 # 194
An established securities house in Quebec offers several investment products, including mutual funds and various securities (e.g., bonds and stocks). An administrative employee has brought forward a potential fund trading violation by a registered employee. Immediately following the employee's report what action is most likely to occur?
正解:B
質問 # 195
For a family RESP with three beneficiaries, what is the lifetime maximum contribution?
正解:D
解説:
The lifetime RESP contribution limit is determined per beneficiary , not per RESP contract. The IFC material states that there is no annual RESP contribution limit, but the lifetime maximum that may be contributed for each beneficiary is $50,000 . A family RESP can contain more than one beneficiary, generally family members related to the subscriber by blood or adoption. Because this family plan has three beneficiaries, each beneficiary can have up to $50,000 of lifetime contributions allocated to them. Therefore, the combined maximum is $50,000 × 3 = $150,000 . The Canada Education Savings Grant limits are separate from the RESP contribution ceiling and do not reduce the $50,000 lifetime contribution amount.
Consequently, $21,600 and $16,667 do not represent the applicable contribution limit. Therefore, A is correct.
質問 # 196
Carol contributed $500 to her TFSA. $350 was invested in ABC Bank Canadian equity fund and $150 in the ZYX Global growth fund. The expected return for the funds is 8% and 9.8%, respectively. What is the expected return on her TFSA?
正解:A
解説:
The expected portfolio return is the weighted average of each fund's return.
Investment in ABC Bank Canadian Equity = $350 ÷ $500 = 70%
Investment in ZYX Global Growth Fund = $150 ÷ $500 = 30%
Expected Return = (0.70 × 8%) + (0.30 × 9.8%)
= 5.6% + 2.94% = 8.54% # 8.5%
Correct answer = 8.5%.
質問 # 197
Justin and Yvonne both open a Registered Education Savings Plan (RESP) for their daughter Grace. They plan to regularly contribute $1,000 per year until Grace reaches the age of 17.
Which of the following statements relating to RESP is CORRECT?
正解:C
解説:
A Registered Education Savings Plan (RESP) is a tax-advantaged savings plan that helps parents and family members save for a child's post-secondary education. The government also contributes to the plan through the Canada Education Savings Grant (CESG) and the Canada Learning Bond (CLB), depending on the family income and the amount of contributions. However, there are some rules and limits that apply to RESP contributions and government grants. One of them is the lifetime contribution limit, which is the maximum amount that can be contributed to an RESP for a beneficiary from all sources. The lifetime contribution limit is $50,000 per beneficiary, regardless of how many RESPs are opened for them or who contributes to them.
Therefore, statement A is correct. Justin and Yvonne may contribute a combined lifetime maximum of
$50,000 for Grace to their RESP.
The other statements are incorrect for the following reasons:
* Statement B: RESPs are not tax-free investment plans. They are tax-deferred plans, meaning that the contributions are made with after-tax dollars and the investment income earned in the plan is not taxed until it is withdrawn as an educational assistance payment (EAP) for the beneficiary. The EAPs are taxed in the hands of the beneficiary, who usually has little or no income and pays little or no tax.
* Statement C: There is no annual contribution limit for RESP contributions. However, there is an annual limit for the CESG, which is 20% of the first $2,500 contributed per beneficiary per year, up to a maximum of $500 per year. The CESG also has a lifetime limit of $7,200 per beneficiary.
* Statement D: Contributions made to an RESP are not eligible for a tax deduction in the year they are contributed. They are made with after-tax dollars and do not reduce the contributor's taxable income.
1: Canadian Investment Funds Course, Unit 9, Section 9.1
質問 # 198
You are meeting a potential client, William, for the first time. He is a high net worth individual and you are keen to get his business. Which of the following would you consider the most important to create an impressive first impression on your potential client?
正解:C
解説:
Your body language would be the most important to create an impressive first impression on your potential client. Body language is the non-verbal communication that includes your posture, gestures, facial expressions, eye contact, and physical distance. Body language can convey your confidence, enthusiasm, professionalism, and trustworthiness. According to research, body language accounts for 55% of the impact of a first impression, while tone of voice accounts for 38% and words account for only 7%. The other statements are less important than body language. Volume of your voice is part of your tone of voice, which can affect how your words are perceived by your potential client. However, volume alone is not enough to create an impressive first impression; you also need to consider your pitch, pace, and intonation. Your words are what you say to your potential client, which can include your introduction, your value proposition, and your questions. Your words are important to convey your message and establish rapport with your potential client.
However, your words have less impact than your body language and tone of voice on your first impression.
Tone of your voice is how you say your words, which can include your volume, pitch, pace, and intonation.
Your tone of voice can influence how your potential client feels about you and your message. However, your tone of voice has less impact than your body language on your first impression. References: Unit 10: Sales Process, [The Importance Of Body Language In First Impressions]
質問 # 199
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