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CISI Investment Funds in Canada (IFC) Exam Sample Questions (Q78-Q83):

NEW QUESTION # 78
Malik has been saving money for retirement but he is worried about the impact inflation may have on the value of his savings. He wants to purchase a bond that will give him a steady stream of income that is greater than the inflation rate. He has found a bond issued by a major airline with a market price of $9,200, a par value of $10,000, and a coupon rate of 6.75%.What is the current yield of this bond?

A. 6.21%
B. 7.34%
C. 6.25%
D. 6.75%

Answer: B

Explanation:
The current yield of a bond is the annual interest payment divided by the current market price of the bond.
The annual interest payment is the coupon rate multiplied by the par value of the bond. In this case, the annual interest payment is:
6.75%×10,000=675
The current market price of the bond is $9,200. Therefore, the current yield is:
9200675×100%=7.34%
The current yield is higher than the coupon rate because the bond is selling at a discount, meaning that its market price is lower than its par value. This implies that the bond is offering a higher return than the prevailing market interest rate. However, the current yield does not take into account the capital gain or loss that will occur when the bond matures or is sold. A more accurate measure of the bond's return is the yield to maturity (YTM), which is the annualized rate of return that accounts for both the interest payments and the price change of the bond over its remaining term.
:
Canadian Investment Funds Course (CIFC) Study Guide, Chapter 5: Fixed-Income Securities, Section 5.2:
Bond Pricing and Yield, page 5-61
Current Yield Definition - Investopedia2

NEW QUESTION # 79
An employer wants to offer his employees a pension plan. The goal is to provide a simple-to-understand plan that will reward all participants equally, regardless of their income level, and provide a retirement income based on a participant's years of service with the company. What plan will best meet his requirements?

A. Career average plan
B. Flat benefit plan
C. Final average plan
D. Defined contribution plan

Answer: B

Explanation:
Comprehensive and Detailed Explanation From Exact Extract:
A flat benefit plan is straightforward, provides retirement income based solely on years of service, and is not influenced by participants' income levels, making it ideal for the employer's requirements. The feedback from the document states:
"The flat benefit plan is simple to understand, provides a retirement income based solely on years of service, and is not affected by plan members' individual incomes." Reference:Chapter 6 - Tax and Retirement PlanningLearning Domain:The Know Your Client Communication Process

NEW QUESTION # 80
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. diversification
B. liquidity
C. convenience
D. low cost

Answer: A

Explanation:
Diversification is the mutual fund benefit that would address Jasmine's concern about volatility.
Diversification means spreading investments across different asset classes, sectors, regions, and companies to reduce risk and volatility. A mutual fund provides diversification by pooling money from many investors and investing in a portfolio of securities that meet the fund's investment objective and strategy. By investing in a mutual fund, Jasmine can gain exposure to the energy sector without putting all her money in one company.
She can also benefit from the professional management and research of the fund manager, who can select and monitor the best securities for the fund. References: Mutual Funds, Diversification

NEW QUESTION # 81
Recently interest rates have gone up. Your customer, Mr. Corelli, has asked you how this will affect the value of his mortgage fund. What is the best response to give to Mr. Corelli?

A. The value of the mortgage fund should go up because mortgages will now be earning higher interest
B. The value of the mortgage fund will go down because new mortgages will pay higher interest than those in the fund
C. The mortgage fund will not be affected because the rise in interest rates will affect only new mortgages
D. The mortgage fund will not be affected because mortgages do not react to changes in interest rates the way bonds do

Answer: B

Explanation:
Comprehensive and Detailed Explanation From Exact Extract:
Fixed-income securities, including mortgage funds, decrease in value when interest rates rise because existing mortgages with lower rates become less attractive compared to new, higher-yielding mortgages. The feedback from the document states:
"Fixed-income securities move in the opposite direction to market interest rates... Let's assume you are the fund manager for a mortgage mutual fund, which has mortgages paying 5%. If mortgage rates suddenly increase to 6%, only the interest rates on newly negotiated mortgages would increase... The investor would not pay you par for a 5% rate. If you wished to sell the mortgages, then you would have to lower your price until the price paid-given the 5% fixed payments to be made-results in a return to the buyer of 6%, the
'going rate' on mortgages. In other words, the market value of your par value mortgages must fall." Reference:Chapter 11 - Conservative Mutual Fund ProductsLearning Domain:Analysis of Mutual Funds

NEW QUESTION # 82
A fund manager has diversified the equity portfolio he manages in order to reduce the potential negative impact of unfavorable information relating to any one stock. What type of risk has he reduced?

A. Market risk
B. Interest rate risk
C. Unique risk
D. Default risk

Answer: C

Explanation:
Comprehensive and Detailed Explanation From Exact Extract:
Unique risk, also known as firm-specific risk, is reduced through diversification, as it relates to volatility caused by information specific to individual securities. The feedback from the document states:
"If a security's price is affected by new information, and if new information arrives frequently, then its price will tend to be volatile and so will the returns that it generates. This source of volatility is specific to a given security and is known as unique risk. Diversifying a portfolio reduces unique risk." Reference:Chapter 15 - Selecting a Mutual FundLearning Domain:Evaluating and Selecting Mutual Funds

NEW QUESTION # 83
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