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CISI ICWIM Exam Syllabus Topics:

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

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CISI International Certificate in Wealth & Investment Management ICWIM Prüfungsfragen mit Lösungen (Q86-Q91):

86. Frage
Which of the following is used to establish an investor's total return from a bond?

Antwort: A

Begründung:
* Yield to Maturity (YTM)
* YTM is the total return an investor can expect from a bond if held to maturity, consideringannual coupon paymentsand any difference between the purchase price and the bond's face value.
* Why the Answer is D
* YTM incorporates all cash flows, providing a comprehensive measure of total return.
* Why Other Options are Incorrect
* A. Running Yield: Considers only current income relative to price, not total return.
* B. Annual Coupon: Ignores price changes and reinvestment potential.
* C. Price-to-Book Ratio: Unrelated to bonds, applies to equities.
* ICWIM Study Guide, Chapter on Fixed Income: Details YTM and its role in total return calculations.
* Bond Investment Literature: Highlights the comprehensive nature of YTM.
References


87. Frage
Which of the following issues is at the heart of fiduciary relationships with clients?

Antwort: C

Begründung:
A fiduciary duty requires financial professionals to act in the best interest of their clients. Suitability is central to this duty.
* Why is Option D Correct?
* Firms must ensure that recommendations align with the client's risk tolerance, goals, and financial situation.
* FCA rules require advisers to demonstrate suitability before making recommendations.
* Why Not Other Options?
* A (Commission) # Fee structures matter, but fiduciary duty prioritizes suitability.
* B (Risk) # Important, but suitability includes risk profiling.
* C (Service) # Good service is necessary, but suitability is a regulatory requirement.
# Reference: FCA Handbook (Suitability Rules), CISI Wealth & Investment Management.


88. Frage
What is the standard settlement period in spot currency markets?

Antwort: B

Begründung:
The foreign exchange (forex) spot market follows a standard T+2 settlement period, meaning transactions are settled two business days after the trade date.
* Why is Option B Correct?
* In forex trading, T+2 means the buyer receives currency two days after the trade.
* Major currency pairs (e.g., EUR/USD, GBP/USD) follow T+2 settlement.
* Why Not Other Options?
* A (T+1) # Some markets (e.g., US Treasuries) settle in T+1, but forex does not.
* C (T+3) # Used for some equity markets, but not for forex.
* D (T+4) # No standard market uses T+4 settlement.
# Reference: Bank for International Settlements (Forex Market Operations), CISI Wealth & Investment Management.


89. Frage
An approach which applies a theoretical price to a company's shares by discounting the company's expected future cash flow into infinity. This statement is describing the:

Antwort: D

Begründung:
The dividend valuation model values equity by estimating the present value of future cash flows to shareholders, typically dividends, discounted back at the required rate of return. In its classic form, the model assumes dividends continue indefinitely and therefore discounts an infinite stream of expected future dividends, making it a perpetual valuation approach. Where dividends are expected to grow at a constant rate, the model is commonly expressed using a perpetuity-with-growth structure, linking the theoretical share price to next period's dividend, the required return, and the growth rate. The key exam point is recognising that equity value can be framed as the discounted value of cash flows to shareholders over an indefinite horizon.
Net asset value is an asset-based valuation, often used for funds or asset-rich firms, not an infinite cash flow discounting model. Market value added and economic value added are performance and value creation measures linked to capital employed and cost of capital, rather than a direct share pricing model based on discounting dividends forever. Therefore, the description aligns to the dividend valuation model.


90. Frage
Measures of Central Tendency include a method whereby a set of numbers are multiplied and then the nth root of the resulting product is taken. This is known as the:

Antwort: C

Begründung:
The geometric mean is calculated using the formula:
A math equation with numbers and symbols AI-generated content may be incorrect.

Used in Finance: The geometric mean is crucial in measuring compound returns over time.
* More Accurate for Investments: It accounts for volatility in investment returns.
# Reference: CFA Institute, CISI Wealth & Investment Management (Quantitative Methods).


91. Frage
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