ICWIM덤프공부, ICWIM시험자료

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ICWIM시험덤프문제 & ICWIM완벽한 시험공부자료

최신 CISI level 3 Certificate ICWIM 무료샘플문제 (Q13-Q18):

질문 # 13
Which of the following is a money laundering offence?

A. Producing
B. Developing
C. Avoiding
D. Concealing

정답：D

설명：
Money laundering is the process of disguising the origins of illegally obtained money to make it appear legitimate. Concealing assets derived from criminal activities is a criminal offence under anti-money laundering (AML) laws.
* Definition: "Concealing" means hiding or disguising the true nature, location, source, ownership, or control of funds derived from criminal activity.
* Legal Framework: The Financial Action Task Force (FATF) and UK Proceeds of Crime Act 2002 (POCA) classify "concealing" as an offence.
* Three Stages of Money Laundering:
* Placement: Introducing illicit funds into the financial system.
* Layering: Concealing the source via multiple transactions.
* Integration: Reintroducing "cleaned" funds into the economy.
# Reference: CISI Wealth & Investment Management (AML), FATF Guidelines, UK POCA 2002.

질문 # 14
Under an accumulation and maintenance trust, when does the trustees' discretion over payments normally cease (if at all)?

A. At the end of a prescribed period
B. It continues indefinitely
C. On the death of the life tenant
D. On the death of the settlor

정답：A

설명：
* What is an Accumulation and Maintenance Trust?
* This is a trust designed primarily for minors or young beneficiaries.
* Trustees have discretion over income and capital distributionsuntil a specified event or age, after which the discretion typically ceases.
* When Does Discretion Cease?
* Generally, trustees' discretion ends at theend of a prescribed periodor when the beneficiary reaches a predetermined age, often 18 or 25.
* This ensures the trust complies with legal requirements, such as therule against perpetuitiesin some jurisdictions.
* ICWIM Study Guide, Chapter on Trusts: Details the rules around accumulation and maintenance trusts.
* Trust Law Principles: Highlights limitations of trustee discretion.
References

질문 # 15
If a firm operating in a perfect free market is able to make supernormal profit in the short run, what is likely to occur in the long run?

A. It will continue to make supernormal profit
B. The government will regulate the market
C. The firm will cut its prices until no economic profit is made
D. Other firms will enter the industry until no economic profit is made

정답：D

설명：
In a perfectly competitive market, short-term supernormal profits attract new firms into the industry, driving down profits to normal levels in the long run.
* Why is Option B Correct?
* Free market entry allows competitors to reduce market share and drive down prices.
* Eventually, firms earn only normal profits, meaning no economic profit remains.
* Why Not Other Options?
* A (Continue making supernormal profit) # Not possible in perfect competition, as new firms enter.
* C (Government regulation) # Market forces, not regulation, determine profit in perfect competition.
* D (Firm cuts prices) # Price reduction occurs due to new competition, not voluntary price cuts.
# Reference: Microeconomic Theory (Perfect Competition), CISI Wealth & Investment Management.

질문 # 16
The Arbitrage Pricing Theory (APT) seeks to determine what factors influence security price movements using:

A. Regression analysis
B. Mean variance analysis
C. Beta testing
D. Technical analysis

정답：A

설명：
* Understanding APT:
* The Arbitrage Pricing Theory (APT) uses statistical models to identify the factors influencing security prices.
* Regression analysis is the primary tool to determine the relationship between security returns and multiple factors, such as inflation, GDP growth, or interest rates.
* Elimination of Other Options:
* A: Mean variance analysis pertains to portfolio optimization, not factor analysis.
* B: Beta testing is related to CAPM, not APT.
* C: Technical analysis examines price patterns, not underlying factors.
References:
* ICWIM Module 3: Coverage of APT and the role of regression models in security pricing.

질문 # 17
An inherent disadvantage with a defined contribution pension scheme is that:

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

정답：D

설명：
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.

질문 # 18
......

만약 시험만 응시하고 싶으시다면 우리의 최신CISI ICWIM자료로 시험 패스하실 수 있습니다. ITDumpsKR 의 학습가이드에는CISI ICWIM인증시험의 예상문제, 시험문제와 답 임으로 100% 시험을 패스할 수 있습니다.우리의CISI ICWIM시험자료로 충분한 시험준비하시는것이 좋을것 같습니다. 그리고 우리는 일년무료 업데이트를 제공합니다.

ICWIM시험덤프문제: https://www.itdumpskr.com/ICWIM-exam.html

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너무 화가 나서 목소리까지 갈라졌다, 아침도 안 먹고 지금까지 계속 굶고, 단 한번으로CISI ICWIM인증시험을 패스한다…… 여러분은 절대 후회할 일 없습니다, CISI 인증ICWIM인증시험공부자료는ITDumpsKR에서 제공해드리는CISI 인증ICWIM덤프가 가장 좋은 선택입니다.

시험대비 ICWIM시험패스 덤프공부자료 덤프공부문제

IT국제공인자격증CISI ICWIM시험대비덤프를 제공하는 전문적인 사이트로서 회원님의 개인정보를 철저하게 보호해드리고 페이팔을 통한 결제라 안전한 결제를 진행할수 있습니다, 승진을 위해서나 연봉협상을 위해서나 자격증 취득은 지금시대의 필수입니다.

저희 사이트에서는 여러분이 ICWIM최신시험을 한방에 패스하도록 실제 시험문제에 대비한 International Certificate in Wealth & Investment Management 덤프를 발췌하여 저렴한 가격에 제공해드립니다.시험패스 못할시 덤프비용은 환불처리 해드리기에 고객님께 아무런 페를 끼치지 않을것입니다.

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ICWIM덤프공부, ICWIM시험자료

ICWIM시험덤프문제 & ICWIM완벽한 시험공부자료

최신 CISI level 3 Certificate ICWIM 무료샘플문제 (Q13-Q18):

시험대비 ICWIM시험패스 덤프공부자료 덤프공부문제

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