CISI'S EXAM QUESTIONS FOR ICWIM HELP YOU ACHIEVE SUCCESS IN YOUR FIRST ATTEMPT

CISI's Exam Questions for ICWIM Help You Achieve Success in Your First Attempt

CISI's Exam Questions for ICWIM Help You Achieve Success in Your First Attempt

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Tags: ICWIM Latest Exam Simulator, Test ICWIM Centres, ICWIM Latest Exam Guide, Pass ICWIM Rate, Latest ICWIM Braindumps Questions

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q135-Q140):

NEW QUESTION # 135
What is a key feature of Islamic bonds (Sukuk)?

  • A. The holder of the bond has full ownership of the underlying assets
  • B. The bond can only be linked to tangible assets in Islamic countries
  • C. The holder of the bond has partial ownership of the underlying assets
  • D. The bond can only be linked to intangible assets in Islamic countries

Answer: C

Explanation:
Sukuk (Islamic bonds) comply with Sharia law, which prohibits interest (riba). Instead, Sukuk holders receive returns based on asset ownership and profit-sharing agreements.
* Why is Option A Correct?
* Sukuk are asset-backed, meaning investors own a proportion of the underlying tangible assets.
* Returns are generated through leasing, profit-sharing, or joint ventures, rather than fixed interest payments.
* Why Not Other Options?
* B (Only Islamic countries) # Sukuk can be issued globally.
* C (Full ownership) # Sukuk holders share ownership, not full control.
* D (Intangible assets only) # Sukuk must be linked to tangible assets.
# Reference: AAOIFI Sharia Standards, CISI Wealth & Investment Management (Islamic Finance).


NEW QUESTION # 136
A non-profit, whole-of-life assurance policy, will pay:

  • A. A return, linked to the insurance company's units
  • B. A fixed sum provided death occurs within a predetermined time
  • C. A fixed sum, chosen at the outset
  • D. An amount linked to the prevailing rate of inflation

Answer: C

Explanation:
* What is a Non-Profit, Whole-of-Life Assurance Policy?
* It providesguaranteed coverage for the entire lifeof the insured.
* The policy does not participate in the insurer's profits (hence "non-profit") and pays apre- determined sumupon death.
* Why D is Correct
* The payout isfixed at the policy's inception, offering certainty to beneficiaries.
* Other Options Analyzed
* A. Linked to units: Describes a unit-linked or investment-linked policy.
* B. Predetermined time: Describes term insurance.
* C. Linked to inflation: Describes index-linked policies.
* ICWIM Textbook, Chapter on Insurance Products: Explains non-profit policies and their characteristics.
* Insurance Guidelines: Confirm fixed payouts as a feature of non-profit, whole-of-life assurance.
References


NEW QUESTION # 137
Mortgage protection can assist when:

  • A. Property prices collapse
  • B. Interest rates rise, increasing the cost of mortgage payments
  • C. Illness may prevent the main wage earner from meeting mortgage payments
  • D. Property prices rise very quickly

Answer: C

Explanation:
Mortgage protection insurance (MPI) is designed to cover mortgage payments in case of unexpected life events, such as illness or death of the primary earner.
* Why is Option C Correct?
* If the main wage earner falls ill or dies, MPI ensures the mortgage is paid so that their family does not lose their home.
* Why Not Other Options?
* A (Property prices rise) # Property price increases do not affect mortgage repayments.
* B (Interest rates rise) # While rising rates increase mortgage costs, MPI does not cover rate changes.
* D (Property price collapse) # MPI does not protect against declining property values.
# Reference: CISI Wealth & Investment Management (Protection Planning), FCA Mortgage Market Review (MMR).


NEW QUESTION # 138
The UCITS regulations have been integral to introducing a common format for:

  • A. Key investor information documents
  • B. Company accounts
  • C. Corporate actions
  • D. Trade settlement

Answer: A

Explanation:
TheUCITS (Undertakings for the Collective Investment in Transferable Securities)regulations mandate that fund managers provide a standardizedKey Investor Information Document (KIID)to investors. This document ensures that all retail investors receive clear and concise information about the fund's objectives, risks, charges, and past performance.
* Company accounts (A): UCITS does not govern corporate accounting.
* Corporate actions (B): Corporate actions such as dividends or mergers are unrelated to UCITS.
* Trade settlement (D): UCITS does not standardize trade settlement processes.
References:
* International Certificate in Wealth & Investment Management: Regulations surrounding UCITS and KIIDs.
* UCITS directives and their implementation across the European Union.


NEW QUESTION # 139
Which of the following underlies the pillars of risk tolerance?

  • A. Sociological traits
  • B. Psychological traits
  • C. Education
  • D. Experience

Answer: B

Explanation:
* Risk Tolerance Defined
* Risk tolerance is the degree of variability in investment returns that an investor is willing to withstand.
* Pillars of Risk Tolerance
* Psychological Traits: Key determinants of how much risk an individual can emotionally handle.
* Includes traits like optimism, pessimism, and loss aversion.
* Other Factors (Secondary): Experience, education, and financial goals play roles, but they do not directly "underlie" the core risk tolerance.
* Example
* Two investors with identical knowledge and experience may have different risk tolerances due to differing psychological profiles.
* ICWIM Study Guide, Chapter on Risk Profiling: Highlights psychological traits as the foundation of risk tolerance.
* Behavioral Finance Theory: Psychological biases and emotional traits shape risk appetite.
ReferencesThus, the correct answer isA. Psychological traits.


NEW QUESTION # 140
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