最新的IFSE Institute CIFC免費考試真題

問題1

One of your clients, Fernando, is approaching 71 years of age and has a few questions regarding life income funds (LIFs).
Which of the following statements about LIFs is TRUE?

A. Fernando may make contributions to his LIF if he continues working.

B. Fernando can transfer money from his registered retirement savings plan (RRSP) to a LIF.

C. Fernando is free to withdraw any amount from his LIF above the minimum amount.

D. Fernando can transfer money from his locked-in retirement account (LIRA) to a LIF.

正確答案: D

說明：（僅 Fast2test 成員可見）

問題2

Janine will celebrate her 71st birthday this year. She currently has a lot of money in a personal registered retirement savings plan (RRSP) and knows there are rules about what she can do with those funds. Which of the following is TRUE?

A. She can convert her RRSP to a registered retirement income fund (RRIF) this year or by December 31st of next year.

B. She can convert her RRSP to a locked-in retirement income fund (LRIF).

C. She can purchase a registered term or life annuity.

D. She can take the entire amount in cash, with no tax consequences because her RRSP funds were tax-sheltered.

正確答案: A

說明：（僅 Fast2test 成員可見）

問題3

Which of the following statements about global equity funds is TRUE?

A. They specialize in one or two countries.

B. They may invest in all countries including the investment fund manager's home country.

C. They are always less risky than Canadian equity funds.

D. They must invest almost exclusively outside of the Americas.

正確答案: B

說明：（僅 Fast2test 成員可見）

問題4

Which of the following best describes implied needs of your clients?

A. They are statements of wants and needs made by clients.

B. They are needs reflected by statements made by clients regarding problems and dissatisfactions.

C. They are statements made by clients expressing the desire for lower commissions.

D. They are statements made by you showing readiness to solve a client's problem.

正確答案: B

說明：（僅 Fast2test 成員可見）

問題5

When you buy a put option, which of the following is TRUE?

A. You have the obligation to sell a set number of shares at a set price.

B. You have the right to purchase a set number of shares at a set price.

C. You have the right to sell a set number of shares at a set price.

D. You have the obligation to buy a set number of shares at a set price.

正確答案: C

說明：（僅 Fast2test 成員可見）

問題6

Rashad is a Dealing Representative with Investors Network Corp., a mutual fund dealer. Investors Network is registered in all provinces and territories of Canada and Rashad is registered in the Edmonton, Alberta branch. Rashad is told to provide his Branch Manager with a number of client files. The client files will be part of a compliance review by the applicable self-regulatory organization (SRO). Which regulator will review Rashad's client files?

A. Chambre de la securite financiere (CSF)

B. Autorite de marches financiers (AMF)

C. Mutual Fund Dealers Association of Canada (MFDA)

D. Canadian Securities Administrators (CSA)

正確答案: C

說明：（僅 Fast2test 成員可見）

問題7

Xian-Li believes she is a sophisticated investor. She has constructed her own portfolio and has had some success. She does not believe in studying a company's details such as earnings, expenses, or assets. She is more concerned with patterns in a company's stock price over time. She believes patterns form and can be used to predict future movements in the market.
How does Xian-Li evaluate the companies in her portfolio?

A. flowchart analysis

B. fundamental analysis

C. technical analysis

D. value analysis

正確答案: C

說明：（僅 Fast2test 成員可見）

問題8

Jasmine received an inheritance from her grandmother of $10,000. She wants to invest her money wisely. She has seen in the news that a particular energy company is doing very well and has good prospects. She has also seen how volatile its share price has been in the last year. She knows the risks of the resource sector and wants to invest but is not comfortable with so much volatility. Which of the following mutual fund benefits would address her concern?

A. low cost

B. liquidity

C. diversification

D. convenience

正確答案: C

說明：（僅 Fast2test 成員可見）

問題9

Greg is a Dealing Representative. As a part of his business building activity, Greg prepares several messages to post on his website and Facebook page. Which statement CORRECTLY describes this situation?

A. Greg's messages must be approved by his dealer before he can publish or issue the communication.

B. Posting a sales communication to a website is prohibited by the Personal Information Protection and Electronic Documents Act (PIPEDA).

C. Posting messages to Facebook is prohibited by Canada's Anti-Spam Law (CASL).

D. Greg must not discuss the investment performance, rankings, or ratings of a fund in his communication.

正確答案: A

說明：（僅 Fast2test 成員可見）

問題10

Your client Gerard is 30 years old and plans to retire at age 65. He has a mutual fund portfolio of $40,000 in which he invests $1,500 monthly. Gerard's objective is to use these funds to meet the 20% down payment requirement to buy a house for $650,000.
What is Gerard's investment time horizon not considering market fluctuations?

A. 5 years

B. 25 years

C. 35 years

D. 15 years

正確答案: A

說明：（僅 Fast2test 成員可見）

問題11

What statement CORRECTLY describes a key difference between bonds and debentures?

A. Bonds are secured by the specific assets of a company whereas debentures are not secured by real assets or collateral.

B. Debentures are considered high risk because they are not backed by the reputation or credit worthiness of the issuer.

C. Debentures have higher priority than bondholders for the company's assets in the event that the company goes bankrupt.

D. Regular secured bonds offer a higher level of income than debentures.

正確答案: A

說明：（僅 Fast2test 成員可見）

問題12

What areas are addressed in the Client Relationship Model (CRM) regulation?

A. fraud prevention, relationship disclosure, and proper conduct

B. ethics, proper conduct, and client reporting

C. client communications, regulatory reporting, and fraud prevention

D. relationship disclosure, client communications, and client reporting

正確答案: D

問題13

Which of the following is included when calculating a country's gross domestic product (GDP)?

A. the market value of goods and services sold to final users

B. the cost of all goods produced

C. total income of all employed individuals

D. the value of work done by volunteers

正確答案: A

說明：（僅 Fast2test 成員可見）

問題14

Xerxes, 45 years old, is a successful architect, having an annual income of $185,000. He has around $10,000 in his non-registered account, which he is looking to invest in a tax-efficient manner.
From the following options, which would be the most tax-efficient?

A. Canadian equity index fund

B. bond fund

C. asset allocation fund

D. target date fund

正確答案: A

說明：（僅 Fast2test 成員可見）

最新的IFSE Institute Canadian Investment Funds Course - CIFC免費考試真題

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