CISI ICWIM Valid Exam Bootcamp & Valid ICWIM Exam Prep

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q133-Q138):

NEW QUESTION # 133
Your client estimates that they will require £50,000 of income annually to live off when they retire. Personal plus state pension will provide £40,000. They wish to retire in 25 years' time. It is estimated that they can earn 5% per annum, and inflation has been forecast at 2%. Interest rates are currently 1.5%. Allowing for inflation, what lump sum would they need to accrue to supplement their pension?

A. £546,869
B. £328,120
C. £252,401
D. £468,745

Answer: B

Explanation:
To calculate the required lump sum, we need to determine the present value (PV) of future withdrawals, adjusted for inflation and investment growth.
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NEW QUESTION # 134
ROCE can be used to establish which of the following?

A. Impact of borrowing costs on company performance
B. The net profitability of the business
C. Returns generated from capital invested in the business
D. Net profit in relation to the cost of sales

Answer: C

Explanation:
* ROCE (Return on Capital Employed)
* Measures the efficiency and profitability of a company relative to the capital invested in the business.
* Formula: ROCE=Earnings Before Interest and Tax (EBIT)Capital Employedtext{ROCE} = frac
{text{Earnings Before Interest and Tax (EBIT)}}{text{Capital Employed}} ROCE=Capital EmployedEarnings Before Interest and Tax (EBIT)
* Why the Answer is C
* ROCE specifically focuses on the returns generated from the capital base, providing insight into how effectively the business is using its resources.
* Why Other Options are Incorrect
* A. Net profitability: Refers to net profit margins, not ROCE.
* B. Borrowing costs: ROCE ignores borrowing costs as it considers EBIT.
* D. Net profit in relation to cost of sales: Refers to gross profit margin, not ROCE.
* ICWIM Study Guide, Chapter on Financial Ratios: Covers ROCE and its applications.
* Corporate Finance Texts: Defines ROCE as a key performance metric.
ReferencesThus, the correct answer isC. Returns generated from capital invested in the business.

NEW QUESTION # 135
Which of the following is used to establish an investor's total return from a bond?

A. Annual coupon
B. Price-to-book ratio
C. Running yield
D. Yield to maturity

Answer: D

Explanation:
* Yield to Maturity (YTM)
* YTM is the total return an investor can expect from a bond if held to maturity, consideringannual coupon paymentsand any difference between the purchase price and the bond's face value.
* Why the Answer is D
* YTM incorporates all cash flows, providing a comprehensive measure of total return.
* Why Other Options are Incorrect
* A. Running Yield: Considers only current income relative to price, not total return.
* B. Annual Coupon: Ignores price changes and reinvestment potential.
* C. Price-to-Book Ratio: Unrelated to bonds, applies to equities.
* ICWIM Study Guide, Chapter on Fixed Income: Details YTM and its role in total return calculations.
* Bond Investment Literature: Highlights the comprehensive nature of YTM.
References

NEW QUESTION # 136
If someone in a fiduciary position has personal or professional interests that compete with their duty to act in the client's best interest, this is called:

A. Full disclosure
B. A conflict of interest
C. Discretionary management
D. A regulatory breach

Answer: B

Explanation:
* Conflict of Interest Definition:
* A fiduciary position requires prioritizing the client's best interest. When personal or professional interests compete with this duty, it constitutes a conflict of interest.
* Such conflicts can undermine the trust and integrity of the fiduciary relationship.
* Elimination of Other Options:
* A: Discretionary management is unrelated to fiduciary conflicts.
* B: A regulatory breach may occur if the conflict is not disclosed but is not inherently the conflict itself.
* C: Full disclosure is a way to manage conflicts, not the conflict itself.
References:
* ICWIM Module 5: Coverage of fiduciary responsibilities and managing conflicts of interest.

NEW QUESTION # 137
An investor would regard a company's Interest Cover ratio as significant because it provides:

A. An indication of the extent to which the company can service its debts
B. A summary of how much liquid cash an organisation has for funding dividend payments
C. A breakdown of how much debt a company has in relation to equity
D. An indication of what interest rate the company is paying

Answer: A

Explanation:
Interest Cover Ratio measures how easily a company can meet interest payments on its debt.
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* Why is Option A Correct?
* A higher ratio means a company comfortably covers interest costs.
* A low ratio signals higher financial risk and potential default risk.
* Why Not Other Options?
* B (Interest rate paid) # The ratio assesses coverage, not cost of debt.
* C (Debt vs equity breakdown) # This is measured by the debt-to-equity ratio.
* D (Cash for dividends) # Interest cover assesses debt serviceability, not dividend affordability
.
# Reference: CFA Institute (Financial Ratios), CISI Wealth & Investment Management.

NEW QUESTION # 138
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CISI ICWIM Valid Exam Bootcamp & Valid ICWIM Exam Prep

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q133-Q138):

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