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IFSE Institute CIFC 問題集

CIFC

試験コード:CIFC

試験名称:Canadian Investment Funds Course Exam

最近更新時間:2025-05-22

問題と解答:全225問

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質問 1:
Which of the following best describes how a target date fund works?
A. Through the years, the asset allocation shifts from fixed income towards equities as the maturity date approaches.
B. The mutual fund is constantly rebalanced to maintain an even split between equities and fixed income through the life of the mutual fund.
C. Through the years, the asset allocation shifts from equities towards fixed income as the maturity date approaches.
D. In exchange for a lump-sum purchase the unitholder receives guaranteed monthly payments for life.
正解:C
解説: (Topexam メンバーにのみ表示されます)

質問 2:
What areas are addressed in the Client Relationship Model (CRM) regulation?
A. fraud prevention, relationship disclosure, and proper conduct
B. relationship disclosure, client communications, and client reporting
C. client communications, regulatory reporting, and fraud prevention
D. ethics, proper conduct, and client reporting
正解:B

質問 3:
Which of the following individuals would qualify for a full or partial Old Age Security (OAS) pension?
A. Katrina, who is 75 years old and just immigrated to Canada from the U.S. last month.
B. Lenny, who is 65 years old and was born and raised in Canada, but lived in Jamaica from ages 25 to 65.
C. Marcus, who is 60 years old, a Canadian citizen, and has lived in Canada for 20 years.
D. Donald, who is 65 years old and has lived in Canada since his birth but worked in Australia for the past
10 years.
正解:B
解説: (Topexam メンバーにのみ表示されます)

質問 4:
Jabir begins the registration process with his new dealer Prosper Wealth Inc. Jabir is excited about his new career and eager to start calling clients, opening new accounts, and selling investments. Which of the following CORRECTLY describes when Jabir will be eligible to open new client accounts and sell investments?
A. Upon registration application by the dealer
B. Upon employment with the dealer
C. Upon passing the proficiency course
D. Upon formal confirmation from the regulator
正解:D
解説: (Topexam メンバーにのみ表示されます)

質問 5:
Frederic recently sold his units in a US dollar (USD) denominated mutual fund. He wants to convert the proceeds back to Canadian dollars (CAD). If he received proceeds of $1,200 USD from the sale and the exchange rate is $1 CAD for $0.99 USD, how much will Frederic receive in Canadian dollars?
A. $1,320.00
B. $1, 12.12
C. $1,200.00
D. $1-188.00
正解:B
解説: (Topexam メンバーにのみ表示されます)

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IFSE Institute Canadian Investment Funds Course 認定 CIFC 試験問題:

1. Maalik opens an account for a new client, John. During the new account process, Maalik determines that he will need to confirm John's identity. Which of the following statements about Maalik's identification requirements is CORRECT?

A) If John attempts to make a suspicious deposit, Maalik is required to report the attempt to his dealer. The dealer must keep records of attempted suspicious transactions that are not reported to the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).
B) If Maalik learns that John is the president of a state-owned company, Maalik is required to report John as a Politically Exposed Foreign Person (PEFP) to his dealer. If John is not a US person, the dealer must report the account to the Internal Revenue Service (IRS).
C) If Maalik determines that there is anything suspicious about John's transaction, he is required to report the matter to his dealer. The dealer must report the matter to the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).
D) If John wants to make a large cash deposit of $10,000 or more, Maalik is required to collect personal information about John and report it to his dealer. The dealer must report the information to the Canada Revenue Agency (CRA).


2. 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) target date fund
C) asset allocation fund
D) bond fund


3. Axis Wealth Management Inc. is a mutual fund dealer and member of the Mutual Fund Dealers Association of Canada (MFDA).
Indrek is a Branch Manager for the Guelph Branch and he is responsible for conducting suitability reviews in order to identify any unsuitable transactions or accounts. Which of the following accounts/transactions would be unsuitable?

A) Ulani is saving for the final payment she will owe on her pre-construction condominium. Ulani has invested in the Harbour Money Market Fund because she is seeking "safety".
B) Hundolf holds the Fortune Small Cap Equity Fund. Hundolf is fully employed, he is saving for his retirement in 18 years, his investment objective is "growth", and his risk profile is "medium-high".
C) Megara bought a principal protected note (PPN) with a 7-year maturity. Megara wants principal protection and has a long-term investment time horizon (10+ years).
D) Gilles has invested in various mutual funds using a leverage strategy recommended by his Dealing Representative. Gilles is 82, he is retired, he needs regular income, and his risk profile is "low".


4. Danny is a Dealing Representative for Everbright Investments. He met with his client Adele, who has
$1,000,000 to invest. During their meeting Danny determines that Adele has a high-risk profile. In addition, he learns that she has an excellent understanding of equities and how volatile they can be. Danny is considering recommending growth funds specifically, and making a recommendation from the following investment options:

Based on the information provided, which mutual fund should Danny recommend?

A) ABC Global Equity Fund.
B) Invest equally in all 3 funds.
C) DEF European Equity Fund.
D) LMN Asia Pacific Equity Fund.


5. Charlotte has received proceeds from a deceased family member's estate. Charlotte decides to visit Malik, who's a Dealing Representative at her bank. She tells Malik, she does not know much about trading ETFs, but she wants to invest in ETFs. Charlotte says she feels fortunate to have this money and that she's not worried about losing it because she never planned on having any of it.
What element of the Know Your Client (KYC) information has Malik been able to learn?

A) Risk Preference
B) Risk Tolerance
C) Risk Profile
D) Risk Capacity


質問と回答:

質問 # 1
正解: C
質問 # 2
正解: A
質問 # 3
正解: D
質問 # 4
正解: B
質問 # 5
正解: A

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