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CISI International Certificate in Wealth & Investment Management Sample Questions (Q124-Q129):

NEW QUESTION # 124
An investor would regard a company's Interest Cover ratio as significant because it provides:

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

Answer: A

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 # 125
If a hedge fund is engaging in equity arbitrage, it is likely that they are pursuing:

A. An event-driven strategy
B. A market-neutral strategy
C. A non-directional strategy
D. An absolute return strategy

Answer: B

Explanation:
* Equity Arbitrage and Hedge Funds:
* Equity arbitrage involves taking offsetting positions in related equity securities to profit from price differentials.
* A market-neutral strategy eliminates overall market risk by balancing long and short positions, focusing on relative price movements rather than market direction.
* Elimination of Other Options:
* A: Absolute return aims for consistent returns regardless of market conditions but is not specific to equity arbitrage.
* C: Event-driven strategies target corporate events (e.g., mergers), not arbitrage.
* D: Non-directional is a general description but lacks specificity compared to market-neutral.
References:
* ICWIM Module 3: Coverage of hedge fund strategies and market neutrality.

NEW QUESTION # 126
How does a negative interest rate policy aim to boost lending?

A. Consumers are paid to borrow money
B. By discounting the interest rate charged on loans
C. By penalising banks for holding surplus cash
D. Interest is not charged on loans

Answer: C

Explanation:
* Understanding Negative Interest Rates:
* Negative interest rate policies (NIRP) are used by central banks to stimulate the economy by discouraging banks from hoarding excess reserves.
* Under NIRP, banks are charged interest for holding deposits with the central bank, incentivizing lending to businesses and consumers instead.
* Elimination of Other Options:
* A & B: Interest is still charged on loans, and consumers are not directly "paid" to borrow.
* C: Discounting loan interest rates is a potential consequence but not the direct mechanism of NIRP.
References:
* ICWIM Module 1: Economic Policy: Coverage of unconventional monetary policies like NIRP.

NEW QUESTION # 127
Why is the process of prioritising the protection needs of your client important?

A. To protect your firm from risk
B. To establish the net worth of your client
C. It allows you and the client to agree on an affordable plan
D. It provides an opportunity to establish a benchmark

Answer: C

Explanation:
The prioritisation of protection needs is crucial in financial planning as it ensures that a client's financial situation is safeguarded against unforeseen risks, such as illness, death, or loss of income. The "Know Your Customer" (KYC) process plays a key role in assessing financial obligations and affordability.
* Affordability & Suitability: The client and adviser must agree on an affordable plan that aligns with their financial capabilities.
* Risk Mitigation: Protecting against financial risks ensures stability before focusing on wealth accumulation.
* Regulatory Requirements: The Financial Conduct Authority (FCA) mandates that advisers ensure financial plans are affordable and suitable for clients (FCA Handbook).
* Industry Best Practices: Before recommending investments, advisers prioritise protection through life insurance, income protection, or critical illness cover.
# Reference: CISI Wealth & Investment Management (Client Protection Strategies), FCA Conduct of Business Sourcebook (COBS).

NEW QUESTION # 128
Which of the following types of funds is able to cancel units?

A. Investment trust
B. Open-ended
C. Closed-ended
D. Split capital trust

Answer: B

Explanation:
An open-ended fund can create or cancel units based on investor demand.
* Liquidity: Open-ended funds, such as Unit Trusts and OEICs (Open-Ended Investment Companies), continuously issue and redeem shares.
* Pricing: The price is based on the Net Asset Value (NAV).
* Flexibility: The fund manager can adjust the fund size by issuing or cancelling units.
# Reference: FCA Handbook, CISI Wealth & Investment Management (Fund Structures).

NEW QUESTION # 129
......

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Latest ICWIM Test Notes & ICWIM Valid Real Exam

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q124-Q129):

2025 ICWIM: Newest Latest International Certificate in Wealth & Investment Management Test Notes

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