100% Pass CISI - ICWIM - International Certificate in Wealth & Investment Management–Trustable Actual Tests

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CISI ICWIM Exam Syllabus Topics:

Section	Weight	Objectives
Market Environment	20%	- Economic environment 1. Macroeconomic factors affecting investments 2. Interest rates and inflation 3. Business cycles - Role and function of financial markets 1. Market indices and benchmarks 2. Market participants and intermediaries 3. Types of financial markets and their roles
Regulation and Ethics	15%	- Regulatory framework 1. Financial regulation principles 2. Investor protection 3. Compliance requirements - Ethical conduct 1. Conflict of interest 2. CISI Code of Ethics 3. Professional responsibilities
Risk and Return	20%	- Risk concepts 1. Risk measurement 2. Types of investment risk 3. Risk diversification - Portfolio theory 1. Risk-return profiling 2. Asset allocation principles 3. Modern portfolio theory
Client Advisory	25%	- Portfolio construction 1. Portfolio review and rebalancing 2. Asset allocation strategies 3. Performance measurement - Client needs analysis 1. Time horizons 2. Risk profiling and suitability 3. Investment objectives
Financial Products	20%	- Collective investments 1. ETFs and index trackers 2. Funds and structured products 3. Fund selection criteria - Bonds and fixed income 1. Credit risk 2. Yield and price relationships 3. Bond types and characteristics - Equities and shares 1. Valuation methods 2. Types of equity 3. Dividends and total return

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q115-Q120):

NEW QUESTION # 115
Earnings before interest and tax provides a better picture of a company's operational performance and profitability from its core business activities because it:

A. Removes the effects of financing expenses
B. Highlights a trend in a company's earnings per share
C. Ignores capital expenditure
D. Is a standardised measure of a company's performance

Answer: A

Explanation:
Earnings before interest and tax is a measure of profit generated from operations before considering how the business is financed and before tax effects. By excluding interest, it removes the impact of capital structure choices such as how much debt versus equity the company uses and the level of interest costs that result. This makes it easier to compare operating performance across companies with different leverage levels, different borrowing costs, or different refinancing histories. It also supports analysis of operating efficiency because it focuses attention on revenue generation and operating expenses rather than financing decisions. Earnings per share is influenced by the number of shares, buybacks, and financing structure, so it does not isolate operational performance in the same way. Earnings before interest and tax is not fully standardised across all reporting practices, so that is not the best rationale. It also does not ignore capital expenditure, since capital expenditure affects depreciation and investment needs and is better assessed through cash flow measures. The key examinable benefit is that it strips out financing expenses to show core operating profitability.

NEW QUESTION # 116
Which of the following forms part of the Financial Planning Standards Board's six-step process for financial planning?

A. Minimise client's tax burden
B. Organise client's financial affairs
C. Analyse client's financial status
D. Challenge client's risk appetite

Answer: C

Explanation:
# Reference: FPSB Global Financial Planning Standards.

NEW QUESTION # 117
What is the role of a central counterparty (CCP)?

A. To act as a market maker between counterparties
B. The CCP guarantees that the counterparties will not default
C. It interposes itself between the counterparties to a trade, becoming the buyer to every seller and the seller to every buyer
D. To provide funding to counterparties as and when required

Answer: C

Explanation:
* Role of a Central Counterparty (CCP):
* A CCP acts as a mediator in financial transactions, ensuring stability and reducing counterparty risk.
* By becoming the buyer to every seller and the seller to every buyer, the CCP ensures that trades are completed even if one party defaults.
* Elimination of Other Options:
* A: CCP does not guarantee no default but mitigates its impact.
* C: Market making involves liquidity provision, not CCP's role.
* D: CCP does not provide funding but manages trade clearing.
References:
* ICWIM Module 5: Explanation of trade clearing mechanisms and the CCP's role.

NEW QUESTION # 118
Which currency is most heavily traded on international markets?

A. Japanese yen
B. US dollar
C. British pound sterling
D. Euro

Answer: B

Explanation:
The US dollar (USD) is the most heavily traded currency in the global foreign exchange (forex) markets.
* Global Reserve Currency: The USD is held as a reserve currency by central banks worldwide, making it the most liquid and widely used currency.
* Forex Trading Volume: According to the Bank for International Settlements (BIS), the USD accounts for over 88% of global forex transactions.
* Trade & Commodity Pricing: The USD is the primary currency for global trade, oil pricing, and commodity transactions.
* Safe Haven Currency: During economic uncertainty, investors move towards USD as a stable asset.
# Reference: BIS Triennial Survey (2022), IMF Reports on Global Currency Reserves.

NEW QUESTION # 119
Tax relief that can be claimed to prevent overseas profits being taxed twice is known as:

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

Answer: A

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 # 120
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