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CISI ICWIM Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Client Advisory25%- Portfolio construction
  • 1. Portfolio review and rebalancing
  • 2. Performance measurement
  • 3. Asset allocation strategies
- Client needs analysis
  • 1. Risk profiling and suitability
  • 2. Time horizons
  • 3. Investment objectives
Topic 2: Risk and Return20%- Portfolio theory
  • 1. Modern portfolio theory
  • 2. Asset allocation principles
  • 3. Risk-return profiling
- Risk concepts
  • 1. Types of investment risk
  • 2. Risk measurement
  • 3. Risk diversification
Topic 3: Financial Products20%- Bonds and fixed income
  • 1. Credit risk
  • 2. Yield and price relationships
  • 3. Bond types and characteristics
- Collective investments
  • 1. Funds and structured products
  • 2. ETFs and index trackers
  • 3. Fund selection criteria
- Equities and shares
  • 1. Dividends and total return
  • 2. Valuation methods
  • 3. Types of equity
Topic 4: Market Environment20%- Role and function of financial markets
  • 1. Market participants and intermediaries
  • 2. Types of financial markets and their roles
  • 3. Market indices and benchmarks
- Economic environment
  • 1. Business cycles
  • 2. Macroeconomic factors affecting investments
  • 3. Interest rates and inflation
Topic 5: Regulation and Ethics15%- Ethical conduct
  • 1. Conflict of interest
  • 2. CISI Code of Ethics
  • 3. Professional responsibilities
- Regulatory framework
  • 1. Compliance requirements
  • 2. Investor protection
  • 3. Financial regulation principles

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CISI ICWIM Trainingsunterlagen - ICWIM Exam Fragen

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CISI International Certificate in Wealth & Investment Management ICWIM Prüfungsfragen mit Lösungen (Q188-Q193):

188. Frage
Once an offshore foundation is established, who will normally be responsible for making ongoing decisions regarding the operational use of the foundation's assets?

Antwort: B

Begründung:
# Reference: Offshore Financial Centres (OFCs), CISI Wealth & Investment Management.


189. Frage
The coupon on a bond has been expressed in real terms, rather than as a nominal amount. This is because:

Antwort: B

Begründung:
* 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.


190. Frage
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?

Antwort: B

Begründung:
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.


191. Frage
A person who disguises criminal property is committing the offence of:

Antwort: D

Begründung:
Disguising criminal property falls within the core money laundering offences associated with concealing the origins or nature of illicit assets. Concealing covers conduct such as hiding, disguising, converting, transferring, or removing criminal property to make it appear legitimate or to prevent its detection, seizure, or confiscation. The key feature is dealing with the property in a way that obscures its true source, ownership, location, or movement. Failure to disclose is a separate offence that applies when a person in the regulated sector does not report knowledge or suspicion of money laundering to the appropriate internal or external reporting channel. Tipping off relates to informing a person that a report has been made or that an investigation is underway, potentially prejudicing an investigation. Arrangements refers to becoming involved in an arrangement which facilitates the acquisition, retention, use, or control of criminal property by or on behalf of another person. Because the question focuses specifically on disguising criminal property, the clearest and most direct offence is concealing.


192. Frage
Earnings before interest and tax provides a better picture of a company's operational performance and profitability from its core business activities because it:

Antwort: C

Begründung:
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.


193. Frage
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