참고: Fast2test에서 Google Drive로 공유하는 무료, 최신 IFC 시험 문제집이 있습니다: https://drive.google.com/open?id=11zJ3ok70UtTBiy73wYE6PU5TxXJc11yN
Fast2test는 여러 it인증에 관심 있고 또 응시하고 싶으신 분들에게 편리를 드립니다. 그리고 많은 분들이 이미 Fast2test제공하는 덤프로 it인증시험을 한번에 패스를 하였습니다. 즉 우리 Fast2test 덤프들은 아주 믿음이 가는 보장되는 덤프들이란 말이죠. Fast2test에는 베터랑의전문가들로 이루어진 연구팀이 잇습니다, 그들은 it지식과 풍부한 경험으로 여러 가지 여러분이CISI인증IFC시험을 패스할 수 있을 자료 등을 만들었습니다 여러분이CISI인증IFC시험에 많은 도움이IFC될 것입니다. Fast2test 가 제공하는IFC테스트버전과 문제집은 모두IFC인증시험에 대하여 충분한 연구 끝에 만든 것이기에 무조건 한번에IFC시험을 패스하실 수 있습니다.
| Section | Weight | Objectives |
|---|---|---|
| Understanding Investment Products and Portfolios | 18% | |
| Analysis of Mutual Funds | 10% | |
| The Modern Mutual Fund | 5% | |
| Ethics, Compliance, and Mutual Fund Regulation | 16% | |
| Evaluating and Selecting Mutual Funds | 16% | |
| Understanding Alternative Managed Products | 3% | |
| Introduction to the Mutual Funds Marketplace | 13% | |
| Know Your Client (KYC) Communication Process | 19% |
CISI인증IFC시험은 국제적으로 승인해주는 IT인증시험의 한과목입니다. 근 몇년간 IT인사들에게 최고의 인기를 누리고 있는 과목으로서 그 난이도 또한 높습니다. 자격증을 취득하여 직장에서 혹은 IT업계에서 자시만의 위치를 찾으련다면 자격증 취득이 필수입니다. CISI인증IFC시험을 패스하고 싶은 분들은Fast2test제품으로 가보세요.
질문 # 257
Janine will celebrate her 71st birthday this year. She currently has a lot of money in a personal registered retirement savings plan (RRSP) and knows there are rules about what she can do with those funds. Which of the following is TRUE?
정답：A
설명：
A registered retirement savings plan (RRSP) is a retirement savings and investing vehicle for employees and the self-employed in Canada. Contributions to an RRSP are tax-deductible and grow tax-deferred until withdrawal. However, RRSPs have a maturity date of December 31st of the year in which the holder turns 71.
By then, the holder must convert the RRSP to a registered retirement income fund (RRIF), purchase an annuity, or withdraw the funds in cash (subject to tax). Therefore, B is the correct answer.
References: Registered Retirement Savings Plan (RRSP): Definition and Types, Registered Retirement Savings Plan (RRSP) - Canada.ca
질문 # 258
Jeff is a new client. He is 50 years old with modest savings in the low six figures, and wants to reinvest his portfolio to ensure that he can retire comfortably at age 65. In his meeting with Jeff, the advisor uncovered some of Jeff's biases. Jeff displayed several strong emotional biases along with a few weak cognitive biases.
What should the advisor do?
정답：D
설명：
Comprehensive and Detailed Explanation From Exact Extract:
Given Jeff's low wealth level and strong emotional biases, the advisor should moderate and adapt to these emotional biases to ensure suitable investment recommendations. The feedback from the document states:
"Jeff has a relatively low level of wealth and strong emotional biases; that's why the advisor should moderate and adapt to Jeff's emotional biases." Reference:Chapter 5 - Behavioural FinanceLearning Domain:The Know Your Client Communication Process
질문 # 259
Malik has been saving money for retirement but he is worried about the impact inflation may have on the value of his savings. He wants to purchase a bond that will give him a steady stream of income that is greater than the inflation rate. He has found a bond issued by a major airline with a market price of $9,200, a par value of $10,000, and a coupon rate of 6.75%.What is the current yield of this bond?
정답：B
설명：
The current yield of a bond is the annual interest payment divided by the current market price of the bond.
The annual interest payment is the coupon rate multiplied by the par value of the bond. In this case, the annual interest payment is:
6.75%×10,000=675
The current market price of the bond is $9,200. Therefore, the current yield is:
9200675×100%=7.34%
The current yield is higher than the coupon rate because the bond is selling at a discount, meaning that its market price is lower than its par value. This implies that the bond is offering a higher return than the prevailing market interest rate. However, the current yield does not take into account the capital gain or loss that will occur when the bond matures or is sold. A more accurate measure of the bond's return is the yield to maturity (YTM), which is the annualized rate of return that accounts for both the interest payments and the price change of the bond over its remaining term.
:
Canadian Investment Funds Course (CIFC) Study Guide, Chapter 5: Fixed-Income Securities, Section 5.2:
Bond Pricing and Yield, page 5-61
Current Yield Definition - Investopedia2
질문 # 260
Your soon-to-be-retired client has accumulated $700,000 in a mutual fund investment. He has consulted with you with respect to systematic withdrawal plans. His other sources of income in retirement are uncertain. He is not interested in leaving a legacy at his death. Which plan would best suit his needs?
정답：C
설명：
An annuity provides a steady income stream until the client's death, suitable for someone with uncertain income sources and no interest in leaving a legacy. The feedback from the document states:
"The client needs a steady source of income from his investment. This rules out a ratio withdrawal plan and a life withdrawal plan. With a fixed-dollar withdrawal plan his capital could be exhausted before he dies. He should choose an annuity that will pay a fixed amount every year until his death. If he lives beyond the guaranteed term, the annuity will cease with his death, but this fact is not important as he does not wish to leave a legacy." Reference: Chapter 16 - Mutual Fund Fees and ServicesLearning Domain: Evaluating and Selecting Mutual Funds
질문 # 261
Nancy received a $160 taxable dividend from Can-Star Ltd., whose shares she holds in her non-registered account. Can-Star is a taxable Canadian corporation. What is the approximate amount of the dividend tax credit Nancy will receive on the shares?
정답：D
설명：
Eligible Canadian dividends are grossed up by 38% and then receive a federal dividend tax credit of 15.02% of the taxable amount.
For Nancy's $160 dividend:
Grossed-up amount = $160 × 1.38 = $220.80
Federal dividend tax credit = 15.02% × $220.80 = $33.15
Thus, Nancy will receive a dividend tax credit of approximately $33.
질문 # 262
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Fast2test의 연구팀에서는CISI IFC인증덤프만 위하여 지금까지 노력해왔고 Fast2test 학습가이드CISI IFC덤프로 시험이 어렵지 않아졌습니다. Fast2test는 100%한번에CISI IFC이장시험을 패스할 것을 보장하며 우리가 제공하는 문제와 답을 시험에서 백프로 나올 것입니다.여러분이CISI IFC시험에 응시하여 우리의 도움을 받는다면 Fast2test에서는 꼭 완벽한 자료를 드릴 것을 약속합니다. 또한 일년무료 업데이트서비스를 제공합니다.즉 문제와 답이 갱신이 되었을 경우 우리는 여러분들한테 최신버전의 문제와 답을 다시 보내드립니다.
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