PASS GUARANTEED QUIZ CISI - EFFICIENT ICWIM - TEST INTERNATIONAL CERTIFICATE IN WEALTH & INVESTMENT MANAGEMENT PREP

Pass Guaranteed Quiz CISI - Efficient ICWIM - Test International Certificate in Wealth & Investment Management Prep

Pass Guaranteed Quiz CISI - Efficient ICWIM - Test International Certificate in Wealth & Investment Management Prep

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Tags: Test ICWIM Prep, ICWIM Pass4sure Dumps Pdf, Valid ICWIM Study Materials, ICWIM Practice Online, ICWIM Study Guide

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In the Web-Based CISI ICWIM Practice Exam, the International Certificate in Wealth & Investment Management (ICWIM) exam dumps given are actual and according to the syllabus of the test. This International Certificate in Wealth & Investment Management (ICWIM) practice exam is compatible with all operating systems like Mac, Linux, IOS, Android, and Windows. Likewise, this International Certificate in Wealth & Investment Management (ICWIM) practice test is browser-based so it needs no special installation to function properly. Firefox, Chrome, IE, Opera, Safari, and all the major browsers support this International Certificate in Wealth & Investment Management (ICWIM) practice exam.

CISI International Certificate in Wealth & Investment Management Sample Questions (Q78-Q83):

NEW QUESTION # 78
It is impossible to diversify against:

  • A. Market risk
  • B. Credit risk
  • C. Currency risk
  • D. Liquidity risk

Answer: A

Explanation:
Market risk, also known as systematic risk, affects the entire market and cannot be eliminated through diversification. Examples include economic recessions, geopolitical events, or market-wide changes in interest rates.
* Currency risk (A): Can be diversified through exposure to multiple currencies.
* Credit risk (B): Can be mitigated by spreading exposure across various credit profiles.
* Liquidity risk (C): Can be addressed by diversifying into liquid assets.
References:
* International Certificate in Wealth & Investment Management: Types of risk and strategies to mitigate them.
* Modern Portfolio Theory and the distinction between systematic and unsystematic risk.


NEW QUESTION # 79
For a key person protection policy, a company will:

  • A. Be insured against staff moving to a competitor
  • B. Need to establish an insurable interest
  • C. Be required to pay ever-increasing premiums
  • D. Seek to be covered for an undefined sum of money

Answer: B

Explanation:
* What is Key Person Protection?
* A policy designed to compensate a company for financial losses incurred if a key employee dies or becomes disabled.
* A prerequisite is that the company must prove aninsurable interestin the key person.
* Why D is Correct
* Insurable interest ensures that the company has a legitimate financial dependency on the key person, a requirement for taking out such a policy.
* Other Options Analyzed
* A. Ever-increasing premiums: Not a feature specific to key person policies.
* B. Moving to a competitor: Irrelevant; this is not an insurable risk.
* C. Undefined sum: Key person policies require a specific sum based on financial calculations.
* ICWIM Textbook, Chapter on Business Insurance: Emphasizes insurable interest in key person policies.
* Insurance Industry Standards: Insurable interest is a fundamental requirement.
References


NEW QUESTION # 80
How does a negative interest rate policy aim to boost lending?

  • A. By discounting the interest rate charged on loans
  • B. Consumers are paid to borrow money
  • 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 # 81
In what circumstances would a central bank use its foreign reserves in the currency markets?

  • A. When influencing the short-term interest rate
  • B. To lower the rate of inflation
  • C. To influence the nation's currency
  • D. To control the money supply

Answer: C

Explanation:
* Central Bank Actions with Foreign Reserves
* Central banks use foreign reserves to intervene in currency markets to stabilize or influence their nation's currency exchange rate.
* This can involve buying or selling foreign currencies.
* Why the Answer is C
* Currency interventions aim to manage exchange rate volatility, maintain competitiveness, or stabilize the currency during economic shocks.
* Why Other Options are Incorrect
* A. Inflation: Not directly controlled through currency market interventions.
* B. Money supply: Managed through monetary policy tools like open market operations.
* D. Short-term interest rates: Controlled through domestic monetary policy, not foreign reserves.
* ICWIM Study Guide, Chapter on Monetary Policy: Explains the use of foreign reserves for currency stabilization.
* Central Banking Principles: Discusses currency interventions.
ReferencesThus, the correct answer isC. To influence the nation's currency.


NEW QUESTION # 82
Why is the process of prioritising the protection needs of your client important?

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

Answer: A

Explanation:
* Importance of Prioritizing Protection Needs:
* The process ensures that the client's financial risks (e.g., loss of income, health issues) are addressed effectively within their budget.
* Affordability is crucial to ensuring the plan can be implemented and sustained long-term.
* Elimination of Other Options:
* A: Establishing net worth is important but unrelated to prioritizing protection needs.
* B: A benchmark is not the focus of protection planning.
* C: The primary goal is the client's protection, not the firm's risk.
References:
* ICWIM Module 2: Emphasis on understanding client affordability and agreeing on realistic financial plans.


NEW QUESTION # 83
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