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CISI ICWIM Exam Syllabus Topics:

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

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q176-Q181):

NEW QUESTION # 176
Which currency is most heavily traded on international markets?

Answer: A

Explanation:
* Global Currency Trading
* The US dollar dominates the foreign exchange market due to its status as the global reserve currency.
* It is heavily used in international trade, financial transactions, and as a benchmark currency.
* Market Share
* The US dollar is involved in approximately88% of all forex trades.
* Other currencies like the euro, Japanese yen, and British pound have significant market shares but are far behind the US dollar.
* ICWIM Study Guide, Chapter on Global Financial Markets: Highlights the US dollar as the most traded currency.
* Bank for International Settlements (BIS)Forex Market Surveys: Confirms trading dominance of the US dollar.
References


NEW QUESTION # 177
Which index could be used to measure inflation from the perspective of the seller?

Answer: C

Explanation:
* Inflation from the Seller's Perspective:
* The Producer Price Index (PPI) measures changes in the prices received by sellers for their goods and services.
* It reflects production cost pressures, making it distinct from consumer-focused indices.
* Elimination of Other Options:
* A & C: Retail Price Index (RPI) and Consumer Price Index (CPI) measure inflation from the buyer's perspective.
* D: Inflation Price Index is not a recognized term.
References:
* ICWIM Module 1: Explanation of inflation measurement indices.


NEW QUESTION # 178
Who is responsible for developing international standards for combating terrorist financing?

Answer: D

Explanation:
International standards for combating money laundering and terrorist financing are developed by the Financial Action Task Force. The FATF sets globally recognised recommendations that form the foundation for national legislation, regulatory rules, and supervisory expectations. These standards cover areas such as risk- based customer due diligence, beneficial ownership transparency, suspicious activity reporting, sanctions screening, and international cooperation. While individual national regulators such as the Financial Conduct Authority enforce domestic rules and supervise firms, they do not set the global benchmark framework. The United Nations plays a major role in sanctions regimes and conventions that member states implement, but the detailed technical standards and evaluation methodology that countries are assessed against are associated with the FATF. The Wolfsberg Group issues industry guidance and best-practice principles for banks, which can be influential, but it is not the global standard-setter. CISI exams typically test the distinction between standard-setting at an international level and implementation and supervision at national level. The organisation most directly responsible for international standards in this area is the Financial Action Task Force.


NEW QUESTION # 179
When operating a restrictive fiscal policy governments will:

Answer: A

Explanation:
Restrictive fiscal policy, also called contractionary fiscal policy, is used to reduce aggregate demand in an economy, typically when inflationary pressures are high or when the government aims to reduce a budget deficit. The main fiscal tools are taxation and government spending. A restrictive stance is achieved by increasing taxes, reducing government expenditure, or a combination of both. Higher taxes reduce households' disposable income and can dampen consumption, while lower government spending directly reduces demand in the economy. Together, these measures can slow economic growth and help bring inflation under control. Options that involve increasing spending or reducing taxation are expansionary and would be intended to stimulate demand, not restrain it. Reducing interest rates is a monetary policy action carried out by the central bank, not a fiscal policy tool controlled by government in most frameworks, and it would typically be expansionary anyway. The examinable concept is the direction of policy: restrictive fiscal policy tightens budget settings through higher taxes and or lower spending.


NEW QUESTION # 180
Which of the following underlies the pillars of risk tolerance?

Answer: A

Explanation:
Risk tolerance is primarily determined by an investor's psychological traits, such as their emotional response to financial risk.
* Why is Option A Correct?
* Investors' decision-making processes are influenced by behavioral finance, emotions, and cognitive biases.
* Some investors are naturally risk-averse, while others are risk-seeking.
* Why Not Other Options?
* B (Sociological traits) # Social factors may influence investment choices but do not define risk tolerance.
* C (Education) # Knowledge affects investment decisions, but risk tolerance is deeply personal.
* D (Experience) # Investors may gain confidence with experience, but core risk preferences remain psychological.
# Reference: CFA Institute (Behavioral Finance & Risk Tolerance), CISI Wealth & Investment Management.


NEW QUESTION # 181
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