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100% Pass Quiz 2025 CISI ICWIM Accurate Valid Test Papers

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q45-Q50):

NEW QUESTION # 45
You are analysing two similar funds, A and B, which have similar returns. However, you notice Fund B has a much higher standard deviation than Fund A. This implies that:

A. Fund B has taken much higher risks
B. Fund B is significantly more profitable than Fund A
C. Fund A is much cheaper than Fund B
D. Fund A has taken much higher risks

Answer: A

Explanation:
Standard deviation measures the volatility of returns. A higher standard deviation means higher risk.
* Key Concept:
* Fund A (Lower Standard Deviation) = Lower Risk.
* Fund B (Higher Standard Deviation) = Higher Risk.
* Risk-Return Tradeoff: Fund B may not necessarily be more profitable, but it is riskier.
# Reference: CFA Institute (Risk Metrics), CISI Wealth & Investment Management.

NEW QUESTION # 46
Negotiable bearer securities issued by commercial banks in exchange for fixed-term deposits are known as:

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

Answer: B

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 # 47
Why should standard deviation, as a measure of volatility, not be used on its own?

A. The data is historic
B. Because the data is difficult to interpret
C. Standard deviation only works for small fluctuations
D. Because it cannot be used to compare all assets

Answer: A

Explanation:
Standard deviation is a widely used measure of volatility, but it has a significant limitation: it is based on past data, which may not reflect future risks.
* Key Limitations of Standard Deviation:
* It only measures historical price fluctuations, not future risks.
* It assumes normal distribution, which may not hold in financial markets.
* It does not distinguish between upside and downside volatility.
* Alternative Measures of Risk:
* Value at Risk (VaR) - Estimates potential losses under extreme market conditions.
* Beta - Measures risk relative to the overall market.
* Sharpe Ratio - Assesses risk-adjusted returns.
# Reference: CFA Institute (Risk Metrics), CISI Wealth & Investment Management.

NEW QUESTION # 48
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. Place orders as they are received from the clients
B. Withdraw their services for the transaction
C. Process the sell orders before the buy orders
D. Openly disclose all orders received to the clients

Answer: A

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 # 49
What financial principle requires an adviser to gather extensive information from a client before making a recommendation?

A. Risk reduction
B. Disclosure
C. Transparency of trading
D. Know your customer

Answer: D

Explanation:
* Know Your Customer (KYC) Principle:
* Advisers must gather extensive client information (e.g., financial goals, risk tolerance, income) to provide tailored recommendations.
* KYC ensures compliance with regulatory frameworks and aligns investment strategies with client needs.
* Elimination of Other Options:
* A: Disclosure focuses on transparency of fees and risks, not information gathering.
* B: Transparency of trading pertains to market operations, not advisory practices.
* C: Risk reduction is a goal, not a principle requiring client data.
References:
* ICWIM Module 4: Ethical and Regulatory Practices: Focus on the KYC framework.

NEW QUESTION # 50
......

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