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CISI ICWIM Exam Syllabus Topics:

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

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CISI International Certificate in Wealth & Investment Management ICWIM Prüfungsfragen mit Lösungen (Q147-Q152):

147. Frage
What fiduciary responsibility does a financial adviser have for their clients?

Antwort: D

Begründung:
A fiduciary duty is fundamentally a duty of loyalty and care. For a financial adviser, the core fiduciary responsibility is to act in the best interests of the client, placing the client's interests ahead of the adviser's or the firm's. In practice, this means providing suitable advice based on a proper understanding of the client's objectives, financial situation, capacity for loss, and risk tolerance, and ensuring recommendations are not driven by conflicts, commissions, or convenience. It does not require the adviser to minimise risk at all costs, because the client may have growth objectives that necessitate taking an appropriate level of risk. It also does not mean advice must be "conservative"; suitability is client-specific and must align to agreed objectives and constraints. While charging fair and transparent fees is important, being "competitive" on price is not the definition of fiduciary duty. The examinable point is that fiduciary responsibility is about acting with integrity, managing conflicts, and exercising due skill, care, and diligence so that the advice and service are delivered for the client's benefit.


148. Frage
Setting standards for national anti-money laundering (AML) and counter-terrorist financing (CTF) programs and evaluating how effectively member countries have implemented the standards is the role of which of the following?

Antwort: B

Begründung:
The Financial Action Task Force (FATF) is an intergovernmental organization that sets global AML/CTF standards and assesses compliance.
Why is Option C Correct?
FATF develops recommendations that countries must implement to combat money laundering and terrorist financing.
It conducts peer reviews and blacklists non-compliant nations.
Why Not Other Options?
A (IMF) # The IMF monitors economic stability, not AML enforcement.
B (Interpol) # Handles criminal investigations, not financial regulations.
D (National Crime Agency) # The NCA is UK-specific, while FATF is global.
# Reference: FATF Guidelines, CISI Wealth & Investment Management.


149. Frage
An investor would regard a company's Interest Cover ratio as significant because it provides:

Antwort: A

Begründung:
Interest Cover Ratio measures how easily a company can meet interest payments on its debt.
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* Why is Option A Correct?
* A higher ratio means a company comfortably covers interest costs.
* A low ratio signals higher financial risk and potential default risk.
* Why Not Other Options?
* B (Interest rate paid) # The ratio assesses coverage, not cost of debt.
* C (Debt vs equity breakdown) # This is measured by the debt-to-equity ratio.
* D (Cash for dividends) # Interest cover assesses debt serviceability, not dividend affordability
.
# Reference: CFA Institute (Financial Ratios), CISI Wealth & Investment Management.


150. Frage
Which index tracking method requires a swap agreement?

Antwort: B

Begründung:
Synthetic replication involves tracking an index using derivatives such as swaps. A swap agreement allows the fund to replicate the index performance without holding the actual underlying assets, reducing transaction costs and increasing efficiency.


151. Frage
Shareholder protection ensures sufficient funds are available to purchase the shareholding of a major shareholder on their death. It does this by:

Antwort: A

Begründung:
Shareholder protection insurance is a crucial financial planning tool for businesses. It ensures that if a major shareholder dies, the remaining shareholders have the funds necessary to buy out the deceased's shares, preventing business disruption.
* How It Works:
* Each major shareholder is insured via a life insurance policy (answer C).
* If a shareholder dies, the insurance pays out a lump sum to allow the surviving shareholders to buy the deceased's shares.
* This prevents shares from being passed to family members who may not be involved in the business.
* Why Not Other Options?
* A (Investing in shares of the company) # This does not create liquidity to buy shares on a shareholder's death.
* B (Providing term assurance to employees) # This applies to employee benefits, not shareholder buyouts.
* D (Articles of Association) # These govern company rules but do not provide funding to purchase shares.
# Reference: FCA Guidelines on Business Protection, CISI Wealth & Investment Management (Business Continuity Planning).


152. Frage
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