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CISI International Certificate in Wealth & Investment Management Sample Questions (Q125-Q130):

NEW QUESTION # 125
A stockbroking firm receives both buy and sell orders for the same security but from different clients. How can they best avoid a conflict of interest?

A. Withdraw their services for the transaction
B. Openly disclose all orders received to the clients
C. Process the sell orders before the buy orders
D. Place orders as they are received from the clients

Answer: D

Explanation:
* Avoiding Conflicts of Interest:
* By placing orders in the order they are received, the firm ensures fairness and transparency.
* This approach avoids any preferential treatment and complies with regulatory obligations.
* Elimination of Other Options:
* A: Withdrawing services would not address the conflict and is impractical.
* C: Disclosing orders breaches confidentiality agreements.
* D: Prioritizing sell orders introduces bias and conflict.
References:
* ICWIM Module 5: Discussion on ethics and conflict of interest mitigation in trading.

NEW QUESTION # 126
A defined benefit pension scheme gives an employee the advantage of:

A. Knowing what income will be received in retirement
B. Not having to make any contributions
C. Consistently better investment performance
D. Being index-linked to inflation

Answer: A

Explanation:
* Defined Benefit Pension Scheme:
* This scheme provides a fixed, pre-determined income in retirement based on factors like years of service and final salary.
* The employer assumes the investment and longevity risks, ensuring predictability for the employee.
* Elimination of Other Options:
* A: Contributions may be required from the employee, depending on the plan.
* B: Index-linking to inflation is a feature of some schemes but not universal.
* D: Investment performance is not guaranteed but managed by the employer.
References:
* ICWIM Module 5: Discussion on pension types and benefits.

NEW QUESTION # 127
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 # 128
When an investment manager manages and makes changes to a portfolio without referring to the client, this is known as:

A. Financial planning
B. Execution-only
C. Discretionary
D. Advisory dealing

Answer: C

Explanation:
A discretionary investment manager has full authority to buy and sell investments without seeking client approval for each transaction.
* Why is Option C Correct?
* The manager follows a pre-agreed investment mandate that aligns with the client's objectives and risk profile.
* Common in wealth management and private banking.
* Why Not Other Options?
* A (Execution-only) # The firm executes trades but does not provide investment advice or management.
* B (Advisory dealing) # The manager provides advice, but the client makes the final decision.
* D (Financial planning) # Financial planning involves long-term wealth strategies, not active portfolio management.
# Reference: FCA Conduct of Business Rules (COBS 9 - Discretionary Management), CISI Wealth & Investment Management.

NEW QUESTION # 129
What fiduciary responsibility does a financial adviser have for their clients?

A. Act in the best interests of their clients
B. Decrease the overall risk of their portfolio
C. Offer conservative advice with low risk
D. Provide their services at a competitive fee

Answer: A

Explanation:
A fiduciary duty requires a financial adviser to prioritise the client's best interests above their own.
* Core Responsibilities:
* Act with integrity and transparency when providing financial advice.
* Provide suitable recommendations based on the client's risk profile, objectives, and financial situation.
* Avoid conflicts of interest (or disclose them).
* Regulatory Requirement: The FCA and MiFID II mandate that advisers act in a client's best interests when offering financial services.
# Reference: FCA Handbook (Principles for Businesses - Principle 6), CISI Code of Conduct.

NEW QUESTION # 130
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ICWIM Free Test Questions & ICWIM Valid Exam Camp Pdf

100% Pass CISI - ICWIM - The Best International Certificate in Wealth & Investment Management Free Test Questions

CISI International Certificate in Wealth & Investment Management Sample Questions (Q125-Q130):

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