Pass Guaranteed Quiz CISI - ICWIM Perfect Exam Overviews

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CISI International Certificate in Wealth & Investment Management Sample Questions (Q161-Q166):

NEW QUESTION # 161
Tax relief that prevents overseas profits from being taxed twice is called:

A. Double Taxation Agreement
B. Double Taxation Relief
C. Dividend Taxation Relief
D. Overseas Taxation Relief

Answer: B

Explanation:
Double Taxation Relief (DTR) ensures that income earned in a foreign country is not taxed twice-once in the country where the income is earned and again in the investor's home country.
* How It Works:
* If an investor pays foreign tax on overseas income, they can offset that tax liability against their domestic tax bill.
* The UK has Double Taxation Agreements (DTAs) with multiple countries to prevent double taxation on dividends, interest, and capital gains.
* Example:
* A UK investor receives £10,000 in dividends from US stocks and is charged a 15% withholding tax in the US.
* Under a UK-US tax treaty, the investor receives a tax credit for the amount paid in the US, reducing UK tax liability.
# Reference: HMRC Double Taxation Agreements, CISI Wealth & Investment Management.

NEW QUESTION # 162
An inherent disadvantage with a defined contribution pension scheme is that:

A. Employees always have to contribute more than employers
B. Gains within the scheme are subject to capital gains tax
C. The level of retirement income is not known before retirement
D. Employers never contribute to the scheme

Answer: C

Explanation:
A Defined Contribution (DC) pension scheme is a retirement savings plan where contributions are invested, and the final pension depends on investment performance.
* Why is Option A Correct?
* The final retirement income is uncertain because it depends on investment returns, contribution levels, and annuity rates at retirement.
* Unlike Defined Benefit (DB) schemes, where retirees receive a fixed pension, DC schemes do not guarantee a set payout.
* How Defined Contribution (DC) Schemes Work:
* Contributions are made by employees (and often by employers).
* Funds are invested in stocks, bonds, or mixed assets.
* Upon retirement, the individual may withdraw lump sums, purchase an annuity, or opt for pension drawdown.
* Why Not Other Options?
* B (Employers never contribute) # Incorrect. Many employers do contribute, particularly in workplace pensions (e.g., auto-enrolment in the UK).
* C (Capital gains tax applies) # Incorrect. Pension funds grow tax-free (no CGT on gains).
* D (Employees always contribute more) # Incorrect. Employer contributions vary by scheme- some match employee contributions, others contribute less.
# Reference: UK Pensions Act 2008 (Auto-Enrolment), FCA Pension Regulations, CISI Wealth & Investment Management.

NEW QUESTION # 163
What is the first action an adviser takes to ensure that their advice is suitable for a client?

A. Ensure recommendations are confirmed by a third party
B. Gather sufficient information from the client
C. Draw attention to the cancellation period
D. Offer the client a range of options

Answer: B

Explanation:
The first step in financial planning is to gather sufficient client information before making any recommendations.
* Key Information Required:
* Income, expenses, and financial goals.
* Risk tolerance and investment horizon.
* Tax status and personal circumstances.
* Regulatory Requirement:
* The FCA's suitability rules mandate that advisers perform a full fact-finding process before offering advice.
# Reference: FCA Handbook (COBS 9 - Suitability), CISI Wealth & Investment Management.

NEW QUESTION # 164
In economics, costs are defined as:

A. Financial
B. Normal profit
C. Minimum efficient scale (MES)
D. Opportunity

Answer: D

Explanation:
* Definition of Costs in Economics
* Costs in economics are defined asopportunity costs, which represent the value of the next best alternative foregone when a decision is made.
* Examples
* If a business invests in Project A, the opportunity cost is the potential return from Project B, which was not pursued.
* Why the Other Options are Incorrect
* B. Financial: Financial costs are explicit, but economics considers opportunity costs as broader.
* C. Normal Profit: Normal profit is a component of total costs but not the definition of "costs" itself.
* D. MES (Minimum Efficient Scale): Refers to the production scale at which average costs are minimized, unrelated to cost definition.
* ICWIM Study Guide, Chapter on Economic Principles: Emphasizes opportunity cost as the core definition.
* Economic Textbooks: Widely recognize opportunity cost as the key concept in cost theory.
ReferencesThus, the correct answer isA. Opportunity.

NEW QUESTION # 165
Why might an expansionary fiscal policy lead to future inflationary pressures?

A. Due to the effect of time lag
B. Due to a significant fall in private sector investment
C. It causes higher interest rates
D. Workers demanding higher wages

Answer: D

Explanation:
* Expansionary Fiscal Policy and Inflation:
* Expansionary fiscal policy increases aggregate demand by boosting public spending or reducing taxes.
* This raises employment, leading to higher wage demands as workers negotiate for their share of economic growth.
* Higher wages increase production costs, causing inflationary pressures.
* Elimination of Other Options:
* A: Higher interest rates are associated with contractionary, not expansionary, policy.
* C: Private sector investment typically rises, not falls.
* D: Time lag affects the policy's impact but is not a direct cause of inflation.
References:
* ICWIM Module 1: Discussion on fiscal policy and its effects on inflation.

NEW QUESTION # 166
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Pass Guaranteed Quiz CISI - ICWIM Perfect Exam Overviews

100% Pass 2025 Accurate CISI ICWIM: Exam International Certificate in Wealth & Investment Management Overviews

CISI International Certificate in Wealth & Investment Management Sample Questions (Q161-Q166):

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