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CISI International Certificate in Wealth & Investment Management Sample Questions (Q11-Q16):

NEW QUESTION # 11
Which of the following underlies the pillars of risk tolerance?

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

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 # 12
A business may need key person protection because:

A. It is to cover a very significant customer
B. Its profits are very seasonal
C. The business relies on the input of an individual
D. It is a very small business

Answer: C

Explanation:
* Key Person Protection:
* This insurance protects a business against financial loss if a critical employee (e.g., founder, CEO) becomes incapacitated or dies.
* It is designed to mitigate reliance on essential individuals whose absence would disrupt operations.
* Elimination of Other Options:
* B: Size of the business is not the determining factor.
* C: Significant customers are protected under other insurance (e.g., credit insurance).
* D: Seasonal profits do not relate to key person risk.
References:
* ICWIM Module 5: Focus on business risk management and insurance needs.

NEW QUESTION # 13
A firm decides that it would be inappropriate to make derivative recommendations to a particular client. It is likely that the client has been categorised as:

A. A private investor
B. An eligible counterparty
C. A retail client
D. A professional

Answer: C

Explanation:
# Reference: FCA Client Categorisation Rules.

NEW QUESTION # 14
When deciding on an appropriate benchmark, why would an index be chosen?

A. To avoid the difficulty of constructing a benchmark
B. Because the client has stated that they are familiar with that particular index
C. To remove any tracking error from the measurements
D. If it represents a feasible investment alternative to the constructed portfolio

Answer: D

Explanation:
A benchmark is a reference point used to compare the performance of an investment portfolio. The chosen index should accurately reflect the investment strategy and asset class.
* Why is Option D Correct?
* A benchmark must represent a realistic investment alternative to compare against the portfolio.
* If a portfolio invests in UK equities, an appropriate benchmark would be the FTSE 100 or FTSE All-Share Index.
* If a portfolio invests globally, a relevant benchmark could be the MSCI World Index.
* Why Not Other Options?
* A (Client familiarity) # While clients may know an index, this does not mean it is the best benchmark.
* B (Avoiding difficulty) # Constructing a benchmark must be based on investment strategy, not convenience.
* C (Removing tracking error) # No benchmark eliminates tracking error; it only measures it.
# Reference: CFA Institute (Benchmark Selection), CISI Wealth & Investment Management.

NEW QUESTION # 15
Why do investors demand a risk premium?

A. To cover the tax payments on profitable trades
B. To compensate them for accepting additional risk
C. So that they can outperform the benchmark
D. To cover the expenses of the fund manager

Answer: B

NEW QUESTION # 16
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