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CISI International Certificate in Wealth & Investment Management Sample Questions (Q72-Q77):

NEW QUESTION # 72
An advisor is reviewing a client's portfolio which has a time horizon of 15 years and is made up primarily of bonds and cash but with some exposure to equities and other higher-risk investments. It is reasonable to believe that the client's risk appetite is:

A. Low Risk
B. Mid Risk
C. Mid-High Risk
D. Low-Mid Risk

Answer: D

Explanation:
* Risk Appetite and Portfolio Composition
* A portfolio primarily of bonds and cash indicates a conservative approach, but the inclusion of equities and higher-risk investments suggests some tolerance for risk.
* A 15-year time horizon allows for a balanced approach, mitigating risks associated with equities over time.
* Why the Answer is B
* The mix of low-risk (bonds, cash) and some high-risk exposure (equities) aligns withLow-Mid Risk.
* Why Other Options are Incorrect
* A. Low Risk: Overlooks the equity and higher-risk components.
* C. Mid Risk / D. Mid-High Risk: Overestimate the risk level due to the dominance of bonds and cash.
* ICWIM Study Guide, Chapter on Risk Profiling: Explains portfolio risk classification.
References

NEW QUESTION # 73
For what reason is holding bearer shares potentially disadvantageous?

A. Because it is not possible to sell part of the holding
B. Investors prefer not being publicly named on a share register
C. They are more difficult to value
D. The loss of the certificate might equal loss of the person's investment

Answer: D

Explanation:
Bearer shares are unregistered securities, meaning ownership is determined by physical possession of the share certificate rather than being recorded in a shareholder register.
* Why is Option B Correct?
* If the physical certificate is lost or stolen, the holder loses legal ownership, as no record of ownership exists.
* Unlike registered shares, where ownership is recorded with a company or broker, bearer shares do not have a recovery process.
* Why Not Other Options?
* A (Not being publicly named) # While bearer shares offer anonymity, the major risk is loss of ownership.
* C (Difficult to value) # They can still be valued based on the issuing company's performance.
* D (Not possible to sell part of the holding) # Bearer shares can be sold partially, like other shares.
# Reference: OECD Guidelines on Transparency & Bearer Shares, CISI Wealth & Investment Management.

NEW QUESTION # 74
An investor would regard a company's Interest Cover ratio as significant because it provides:

A. A summary of how much liquid cash an organisation has for funding dividend payments
B. A breakdown of how much debt a company has in relation to equity
C. An indication of the extent to which the company can service its debts
D. An indication of what interest rate the company is paying

Answer: C

Explanation:
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.

NEW QUESTION # 75
Which index could be used to measure inflation from the perspective of the seller?

A. Retail price index
B. Inflation price index
C. Consumer price index
D. Producer price index

Answer: D

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 # 76
To minimise risk and maximise diversification, a portfolio should hold securities with:

A. Negative correlation and low standard deviation
B. Positive correlation and low standard deviation
C. Negative correlation and high standard deviation
D. Positive correlation and high standard deviation

Answer: A

Explanation:
A well-diversified portfolio reduces risk by holding assets that are negatively correlated (i.e., they move in opposite directions).
* Why Negative Correlation?
* When one asset class declines, the other may rise, reducing overall portfolio volatility.
* Why Low Standard Deviation?
* Lower standard deviation means less volatility, making the portfolio more stable.
* Example:
* Stocks and bonds typically have negative correlation-when stock prices fall, bond prices tend to rise.
# Reference: Modern Portfolio Theory (Harry Markowitz), CFA Institute (Risk Diversification).

NEW QUESTION # 77
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ICWIM Guide Torrent - ICWIM Prep Guide & ICWIM Exam Torrent

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q72-Q77):

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