IFSE Institute Canadian Investment Funds Course - CIFC 模擬練習
Which of the following statements about pension adjustments (PA) is TRUE?
正解: A
解説: (PassTest メンバーにのみ表示されます)
Reginald is a Dealing Representative, who feels pressure from management at the beginning of every calendar year, to open new registered retirement savings plans (RRSPs) and generate RRSP contributions. It is the end of February, and Reginald is close to reaching his personal sales objectives. He just finished an appointment with a prospective new client, Orel. Orel wants to open a tax-free savings account (TFSA) to build emergency savings. However, Reginald recommended to Orel that he should first contribute to an RRSP, and then use the tax savings for a TFSA contribution. With regards to account suitability, what can be said about Reginald's advice?
正解: A
解説: (PassTest メンバーにのみ表示されます)
10 years ago, Felipe opened a registered retirement savings plan (RRSP) account and purchased a mutual fund.
The mutual fund purchased included a 7-year deferred sales charge (DSC). At the time of making his investment, him and his Dealing Representative agreed that he had a 25-year growth objective. Since Felipe knew that he was not planning to use his investment until he retired, he was not concerned about the DSC. Although the rate of return did vary from year-to-year, he never noticed his mutual fund having a drop in value. This gave Felipe more confidence in the investment. As a result, he has never made any changes to his investment.
What category of Know Your Client (KYC) information has been given?
The mutual fund purchased included a 7-year deferred sales charge (DSC). At the time of making his investment, him and his Dealing Representative agreed that he had a 25-year growth objective. Since Felipe knew that he was not planning to use his investment until he retired, he was not concerned about the DSC. Although the rate of return did vary from year-to-year, he never noticed his mutual fund having a drop in value. This gave Felipe more confidence in the investment. As a result, he has never made any changes to his investment.
What category of Know Your Client (KYC) information has been given?
正解: D
解説: (PassTest メンバーにのみ表示されます)
Which of the following form part of the disclosure documents relating to mutual funds?
正解: B
解説: (PassTest メンバーにのみ表示されます)
You ask a new client, Brad, "what are your financial obligations and what are your assets?" What information are you trying to gather in order to comply with the know your client (KYC) rule?
正解: D
解説: (PassTest メンバーにのみ表示されます)
Which of the following best describes implied needs of your clients?
正解: C
解説: (PassTest メンバーにのみ表示されます)
Sachin owns units of a long-term bond fund. He has heard that the Bank of Canada is likely to make it more expensive to borrow money. He is worried that the value of his investment is going to drop. What sort of investing risk is Sachin experiencing?
正解: B
解説: (PassTest メンバーにのみ表示されます)
If an investor was looking for an investment with a risk equal to that of the market, which factor would she want in an investment?
正解: D
解説: (PassTest メンバーにのみ表示されます)
What areas are addressed in the Client Relationship Model (CRM) regulation?
正解: C