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CISI ICWIM Exam Syllabus Topics:

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

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q144-Q149):

NEW QUESTION # 144
It is impossible to diversify against:

Answer: D

Explanation:
Market risk, also known as systematic risk, affects the entire market and cannot be eliminated through diversification. Examples include economic recessions, geopolitical events, or market-wide changes in interest rates.
* Currency risk (A): Can be diversified through exposure to multiple currencies.
* Credit risk (B): Can be mitigated by spreading exposure across various credit profiles.
* Liquidity risk (C): Can be addressed by diversifying into liquid assets.
References:
* International Certificate in Wealth & Investment Management: Types of risk and strategies to mitigate them.
* Modern Portfolio Theory and the distinction between systematic and unsystematic risk.


NEW QUESTION # 145
When applying the bottom-up active management style to portfolio management, why do managers pay no attention to benchmarks?

Answer: A

Explanation:
Bottom-up active management begins with the selection of individual securities rather than starting from a benchmark, index composition, or top-down macro view. The manager's research focuses on company- specific factors such as business model strength, management quality, earnings outlook, competitive position, valuation, and balance sheet resilience. Because the investment case is built security by security, benchmark weights are not the anchor for portfolio construction, and the manager may hold stocks that are not in the benchmark or may ignore benchmark sector allocations entirely. This is why benchmarks are not central to decision-making in a bottom-up approach: the driver is the perceived attractiveness of each stock on its own merits. Option A can be a consequence, not the reason. Bottom-up portfolios often do exhibit tracking error, but tracking error is the outcome of ignoring benchmark weights, not the rationale. Option B is not defining, since holding periods vary widely across bottom-up managers. Option D is vague and does not express the core principle tested.


NEW QUESTION # 146
Which of the following is a key property of fiat currency?

Answer: D

Explanation:
Fiat currency is money that derives its value primarily from government decree and public confidence rather than from being directly convertible into a commodity such as gold. A key property is that it is declared legal tender, meaning it must be accepted for payment of debts within the jurisdiction and is recognised by the state for settling transactions and paying taxes. This legal tender status supports general acceptability and underpins the monetary system. The other options are not defining characteristics. Devaluation can happen to any currency under certain conditions and is not specific to fiat systems. Operating in an exchange rate mechanism describes a policy arrangement between currencies, not a property of fiat currency itself. Being pegged to the US dollar is a specific exchange rate policy that some countries adopt, but many fiat currencies float freely or use other regimes. The examinable concept is that fiat money is not backed by intrinsic commodity value and is sustained by legal framework, monetary policy credibility, and trust. Therefore, being declared legal tender is the correct key property.


NEW QUESTION # 147
What term describes the process that enables savings institutions to transform into banks?

Answer: B

Explanation:
Demutualisation refers to the process by which a mutual savings institution, such as a building society, converts into a publicly traded company or bank. This transformation allows the institution to raise capital through equity issuance and expand its services beyond mutual members.
Example:
* The Abbey National Building Society in the UK demutualised in the 1980s to become a bank.


NEW QUESTION # 148
An advisor is reviewing a client's portfolio which has a time horizon of 15 years and is made up primarily of bonds and cash but with some exposure to equities and other higher-risk investments. It is reasonable to believe that the client's risk appetite is:

Answer: C

Explanation:
* Risk Appetite and Portfolio Composition
* A portfolio primarily of bonds and cash indicates a conservative approach, but the inclusion of equities and higher-risk investments suggests some tolerance for risk.
* A 15-year time horizon allows for a balanced approach, mitigating risks associated with equities over time.
* Why the Answer is B
* The mix of low-risk (bonds, cash) and some high-risk exposure (equities) aligns withLow-Mid Risk.
* Why Other Options are Incorrect
* A. Low Risk: Overlooks the equity and higher-risk components.
* C. Mid Risk / D. Mid-High Risk: Overestimate the risk level due to the dominance of bonds and cash.
* ICWIM Study Guide, Chapter on Risk Profiling: Explains portfolio risk classification.
References


NEW QUESTION # 149
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