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CISI ICWIM Exam Syllabus Topics:

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

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q118-Q123):

NEW QUESTION # 118
A financial adviser has created and recommended a risk-targeted investment portfolio for a client. What key factor drove the adviser's decision that this was a suitable approach?

Answer: D

Explanation:
A risk-targeted portfolio is built around delivering returns within a defined risk profile, typically expressed through a volatility range or risk band. The adviser's suitability decision is therefore driven by identifying the client's acceptable level of risk and aligning the portfolio's expected variability of returns to that tolerance and capacity for loss. This approach focuses on risk first, with asset allocation and fund selection designed to keep portfolio behaviour within the agreed risk parameters over time, often supported by ongoing monitoring and rebalancing. It is different from a return-targeted approach, where achieving a required return is the starting point and risk is a constraint. Equal emphasis on growth and income does not, by itself, justify a risk- targeted design, and socially responsible preferences relate to investment constraints rather than the portfolio' s risk framework. The defining feature, and the key suitability driver, is that a clear, pre-defined band of acceptable volatility has been agreed with the client and the portfolio is constructed to stay within that band.


NEW QUESTION # 119
Which of the following is an example of a mandatory corporate action with options?

Answer: A

Explanation:
# Reference: FCA Handbook (Corporate Actions), CISI Wealth & Investment Management.


NEW QUESTION # 120
The coupon on a bond has been expressed in real terms, rather than as a nominal amount. This is because:

Answer: D

Explanation:
* Real vs. Nominal Terms:
* Inflation-linked bonds adjust their coupon payments and principal based on inflation rates.
* Expressing the coupon in real terms ensures it reflects purchasing power rather than face value.
* Elimination of Other Options:
* B: Redemption date length is unrelated to coupon expression.
* C & D: Security type (unsecured/bearer) does not dictate coupon terms.
References:
* ICWIM Module 3: Explanation of bond types, including inflation-linked securities.


NEW QUESTION # 121
Your client estimates that they will require £50,000 of income annually to live off when they retire. Personal plus state pension will provide £40,000. They wish to retire in 25 years' time. It is estimated that they can earn 5% per annum, and inflation has been forecast at 2%. Interest rates are currently 1.5%. Allowing for inflation, what lump sum would they need to accrue to supplement their pension?

Answer: C

Explanation:
To calculate the required lump sum, we need to determine the present value (PV) of future withdrawals, adjusted for inflation and investment growth.
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NEW QUESTION # 122
The ongoing charges figure for a mutual fund should be included in its:

Answer: C

Explanation:
The ongoing charges figure (OCF) of a mutual fund is included in its Key Investor Information Document (KIID). The KIID provides standardized and essential information about a fund's costs, risks, and performance, ensuring transparency for investors.


NEW QUESTION # 123
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