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CISI ICWIM Exam Syllabus Topics:

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

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q84-Q89):

NEW QUESTION # 84
Which of the following elements would be included in a recommendation report to a client?

Answer: C

Explanation:
A recommendation report (or suitability report) is a formal document provided by financial advisers to clients. It outlines investment recommendations and justifications based on the client's personal circumstances.
* Why is Option D Correct?
* The FCA requires firms to consider a client's existing investments, pensions, and insurance policies before making recommendations.
* This ensures that clients are not sold duplicate or unsuitable products.
* Reviewing previous arrangements helps advisers identify gaps in financial planning.
* What Else Is Included in a Recommendation Report?
* Investment objectives & risk tolerance.
* Tax considerations.
* Cost disclosures and fees.
* Why Not Other Options?
* A (Inflation rate) # While inflation is considered, it is not a mandatory section in suitability reports.
* B (Interest rate) # Relevant for fixed income investments, but not always necessary.
* C (Protection) # Only included if insurance products are being recommended.
# Reference: FCA Conduct of Business Sourcebook (COBS 9 - Suitability Reports), CISI Wealth & Investment Management.


NEW QUESTION # 85
Which one of the following would cause a shift to the right in aggregate demand?

Answer: A

Explanation:
* Factors Shifting Aggregate Demand (AD) Rightward:
* Depreciation of the pound makes UK exports cheaper and imports more expensive, increasing net exports.
* Higher net exports increase aggregate demand, shifting the curve to the right.
* Elimination of Other Options:
* A: Lower consumer confidence decreases consumption, shifting AD leftward.
* B: Increased expected inflation may reduce real spending.
* D: Lower expected inflation discourages spending.
References:
* ICWIM Module 1: Macroeconomic factors influencing aggregate demand.


NEW QUESTION # 86
Which of the following is categorised as a soft commodity?

Answer: A

Explanation:
Performance attribution analysis evaluates the performance of a portfolio by breaking it into components attributed to specific investment decisions. These include:
* Asset Allocation: The decision on the proportion of the portfolio allocated to different asset classes (e.
g., stocks, bonds).
* Sector Choice: Selecting specific sectors (e.g., technology, healthcare) within asset classes.
* Security Selection: Choosing individual securities within the selected sectors.
Risk analysis, while critical for investment management, is not typically part of standard performance attribution frameworks.
References:
* International Certificate in Wealth & Investment Management: Portfolio performance evaluation section.
* Standard attribution models: Brinson, Hood, and Beebower model widely used in performance attribution.


NEW QUESTION # 87
Why is the process of prioritising the protection needs of your client important?

Answer: D

Explanation:
* Importance of Prioritizing Protection Needs:
* The process ensures that the client's financial risks (e.g., loss of income, health issues) are addressed effectively within their budget.
* Affordability is crucial to ensuring the plan can be implemented and sustained long-term.
* Elimination of Other Options:
* A: Establishing net worth is important but unrelated to prioritizing protection needs.
* B: A benchmark is not the focus of protection planning.
* C: The primary goal is the client's protection, not the firm's risk.
References:
* ICWIM Module 2: Emphasis on understanding client affordability and agreeing on realistic financial plans.


NEW QUESTION # 88
Which one of the following is true of fundamental analysis? It seeks to establish:

Answer: D

Explanation:
Fundamental analysis involves evaluating a security to determine its intrinsic value by examining factors such as financial statements, economic conditions, and industry trends. The goal is to identify whether the security is undervalued or overvalued compared to its current market price.
Reference:
ICWIM, Topic: Equity Analysis and Investment Decision Making.
Benjamin Graham's "The Intelligent Investor" on intrinsic value.


NEW QUESTION # 89
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