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CISI International Certificate in Wealth & Investment Management Sample Questions (Q80-Q85):

NEW QUESTION # 80
Why might a portfolio manager use an equity fund rather than direct equity investment within a portfolio?

A. To gain exposure to a specialist sector
B. To benefit from changes in volatility
C. To avoid paying capital gains tax
D. In order to reduce ongoing charges

Answer: A

Explanation:
Equity funds allow portfolio managers to efficiently access a specific market or sector that may otherwise require significant resources and expertise to invest in directly. For instance, a fund specializing in renewable energy provides exposure to that sector without the need for individual stock selection.
* Avoiding capital gains tax (A): This is not applicable because funds do not inherently avoid tax obligations.
* Reducing ongoing charges (C): Funds typically have higher fees than directly holding equities.
* Changes in volatility (D): While funds manage diversification, they do not specifically capitalize on volatility.
References:
* International Certificate in Wealth & Investment Management: Section on mutual funds and specialized investment funds.
* Use of funds for sectoral or thematic investment strategies.

NEW QUESTION # 81
Which commodity is categorized based on how sweet or sour it is?

A. Natural gas
B. Zinc
C. Oil
D. Coffee

Answer: C

Explanation:
Crude oil is classified as sweet or sour based on its sulfur content:
* Sweet crude # Low sulfur content (e.g., Brent Crude).
* Sour crude # High sulfur content (e.g., Venezuelan crude).
* Sweet crude is more desirable because it is easier to refine into gasoline and diesel.
* Why Not Other Options?
* A (Coffee) # Categorized by origin and bean type.
* B (Natural gas) # Classified by energy content.
* D (Zinc) # Graded by purity, not sweetness.
# Reference: International Energy Agency (IEA), CISI Wealth & Investment Management (Commodity Markets).

NEW QUESTION # 82
Negotiable bearer securities issued by commercial banks in exchange for fixed-term deposits are known as:

A. Certificates of Deposit
B. Treasury Bills
C. Commercial Paper
D. Bills of Exchange

Answer: A

Explanation:
A Certificate of Deposit (CD) is a negotiable bearer security issued by banks, representing a fixed-term deposit with a specified interest rate.
* Key Features of CDs:
* Issued by commercial banks.
* Fixed-term investment (e.g., 3 months to 1 year).
* Can be traded in secondary markets, making them a liquid investment.
* Why Not Other Options?
* A (Treasury Bills) # Issued by governments, not banks.
* B (Commercial Paper) # Issued by corporations, not banks.
* C (Bills of Exchange) # Used for trade finance, not fixed-term deposits.
# Reference: Bank of England (Certificates of Deposit), CISI Wealth & Investment Management.

NEW QUESTION # 83
Why do investors demand a risk premium?

A. So that they can outperform the benchmark
B. To compensate them for accepting additional risk
C. To cover the tax payments on profitable trades
D. To cover the expenses of the fund manager

Answer: B

Explanation:
A risk premium is the additional return investors require for taking on higher risk.
* Formula: Risk Premium=Expected Return#Risk-Free Rate ext{Risk Premium} = ext{Expected Return} - ext{Risk-Free Rate}Risk Premium=Expected Return#Risk-Free Rate
* Why It Exists:
* Riskier investments (e.g., stocks, high-yield bonds) must offer higher returns to attract investors.
* Lower-risk assets (e.g., government bonds) have lower expected returns.
* Example:
* If a government bond yields 2%, but an equity portfolio yields 8%, the equity risk premium is
6%.
# Reference: CFA Institute (Risk and Return), CISI Wealth & Investment Management.

NEW QUESTION # 84
Which of the following will be a major constraint on a client's ability to invest and protect against all of the risks that might arise?

A. Tax implications
B. Risk aversion
C. Age
D. Affordability

Answer: D

Explanation:
* Why Affordability is the Major Constraint
* A client's ability to mitigate risks is directly limited by their financial resources.
* Even the most sophisticated risk strategies, such as diversification, derivatives, or insurance, require financial capacity.
* Other Options Analyzed
* Age: Impacts risk tolerance but does not constrain the financial ability to manage risks.
* Risk aversion: A behavioral factor, not a financial constraint.
* Tax implications: Important but secondary compared to affordability.
* ICWIM Textbook, Chapter on Investment Constraints: Highlights affordability as the top financial constraint.
* Wealth Planning Principles: Discusses practical limitations of risk mitigation strategies.
ReferencesThus, the answer isB. Affordability.

NEW QUESTION # 85
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