2025 The Best CISI ICWIM: Latest International Certificate in Wealth & Investment Management Braindumps Questions

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q163-Q168):

NEW QUESTION # 163
How does a negative interest rate policy (NIRP) aim to boost lending?

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

Answer: C

Explanation:
A Negative Interest Rate Policy (NIRP) is used by central banks to stimulate economic activity by penalising banks for holding excess reserves.
* How It Works:
* Instead of earning interest, banks pay to keep reserves with the central bank.
* To avoid losses, banks increase lending to businesses and consumers.
* This increases money supply, investment, and spending, boosting economic growth.
* Real-World Example: The European Central Bank (ECB) and Bank of Japan implemented NIRP to encourage lending.
# Reference: ECB Negative Interest Rate Policy, CISI Wealth & Investment Management.

NEW QUESTION # 164
Typically, inflation is calculated by a central bank based on:

A. The rate of change of interest rates
B. A survey of leading banks
C. A basket of goods
D. The prices of important commodities

Answer: C

Explanation:
Inflation measures the rate at which the general price level of goods and services rises, reducing purchasing power.
* Why is Option C Correct?
* Inflation is measured using Consumer Price Indices (CPI), which track the cost of a fixed basket of goods and services over time.
* The basket includes food, housing, transportation, healthcare, and other essential expenses.
* Why Not Other Options?
* A (Survey of banks) # Banks may provide economic forecasts, but inflation is not calculated this way.
* B (Interest rates) # Central banks adjust interest rates in response to inflation but do not use them to calculate it.
* D (Commodities only) # Inflation measures overall price levels, not just commodities.
# Reference: UK Office for National Statistics (ONS) - Inflation Measurement, CISI Wealth & Investment Management.

NEW QUESTION # 165
Which of the following types of funds is able to cancel units?

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

Answer: A

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 # 166
An economy with two consecutive quarters of negative growth is considered to be in what phase of the economic cycle?

A. Recession
B. Slump
C. Depression
D. Inflationary

Answer: A

Explanation:
A recession is defined as two consecutive quarters of negative GDP growth. It represents an economic downturn where output, income, and employment decline.
* Key Characteristics of a Recession:
* Falling GDP - Two successive quarters of contraction.
* Rising Unemployment - Businesses cut jobs due to weak demand.
* Declining Consumer Spending - Households reduce purchases.
* Lower Business Investment - Firms delay expansion plans.
* Difference Between Recession and Depression:
* A depression is a severe and prolonged recession (e.g., the Great Depression of 1929).
# Reference: UK Office for National Statistics (ONS) GDP Reports, CISI Wealth & Investment Management (Economic Cycles).

NEW QUESTION # 167
When an investment manager manages and makes changes to a portfolio without referring to the client, this is known as:

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

Answer: B

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 # 168
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