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IFSE Institute Canadian Investment Funds Course Exam CIFC Prüfungsfragen mit Lösungen (Q165-Q170):

165. Frage
Your employer has a contributory group RRSP under which he matches employee contributions, up to a maximum of 5% of salary.
Which of the following statements about a group registered retirement savings plan (RRSP) is CORRECT?

A. You need to wait until you file your taxes to receive your contribution tax deduction.
B. The employer chooses the plan provider.
C. If you leave your employer, your group RRSP stays with the employer.
D. It is more costly and time consuming to administer than traditional pension plans.

Antwort: B

Begründung:
Explanation
A group RRSP is a retirement savings plan sponsored by an employer that allows employees to contribute through regular payroll deductions and benefit from tax advantages and possible employer matching. The employer is responsible for choosing the plan provider, which is the financial institution that administers the group RRSP and offers a range of investment options for the employees to choose from. The employer may also negotiate lower fees and better services with the plan provider than what individual RRSPs can offer.
Therefore, statement D is correct.
The other statements are incorrect for the following reasons:
Statement A: A group RRSP is less costly and time consuming to administer than traditional pension plans, as it does not require actuarial valuations, funding requirements, or regulatory filings.
Statement B: If you leave your employer, your group RRSP does not stay with the employer. You can transfer your group RRSP to an individual RRSP or another registered plan without tax consequences, as long as there are no locked-in provisions.
Statement C: You do not need to wait until you file your taxes to receive your contribution tax deduction. Your contributions are deducted from your gross income before tax is calculated, so you receive an immediate tax benefit on your paycheque.
References: Canadian Investment Funds Course, Unit 9, Section 9.1

166. Frage
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. In exchange for a lump-sum purchase the unitholder receives guaranteed monthly payments for life.
C. Through the years, the asset allocation shifts from equities towards fixed income as the maturity date approaches.
D. The mutual fund is constantly rebalanced to maintain an even split between equities and fixed income through the life of the mutual fund.

Antwort: C

Begründung:
Explanation
This is because a target date fund is designed to reduce the risk and volatility of the portfolio as the investor gets closer to their retirement or other savings goal. Equities tend to have higher returns but also higher risk than fixed income, so a target date fund gradually reduces the exposure to equities and increases the exposure to fixed income over time. This way, the investor can benefit from the growth potential of equities in the early years and preserve their capital with the stability of fixed income in the later years.

167. Frage
10 years ago, Felipe opened a registered retirement savings plan (RRSP) account and purchased a mutual fund.
The mutual fund purchased included a 7-year deferred sales charge (DSC). At the time of making his investment, him and his Dealing Representative agreed that he had a 25-year growth objective. Since Felipe knew that he was not planning to use his investment until he retired, he was not concerned about the DSC. Although the rate of return did vary from year-to-year, he never noticed his mutual fund having a drop in value. This gave Felipe more confidence in the investment. As a result, he has never made any changes to his investment.
What category of Know Your Client (KYC) information has been given?

A. Personal circumstances
B. Financial circumstances
C. Risk profile
D. Investment experience

Antwort: D

Begründung:
Explanation
The category of Know Your Client (KYC) information that has been given is investment experience.
Investment experience refers to the level of knowledge and familiarity that a client has with various types of investments, such as mutual funds, stocks, bonds, etc. It also includes the client's past performance, frequency of trading, and length of holding period. In this case, Felipe has given information about his investment experience by stating that he purchased a mutual fund with a deferred sales charge, that he had a 25-year growth objective, that he never noticed his mutual fund having a drop in value, and that he never made any changes to his investment.
References = Know Your Client (KYC): What It Means, Compliance Requirements, Know Your Client (KYC) - Overview, Importance and Benefits, Process, IFSE CIFC Module 2: The Investment Industry, page
2-14.

168. Frage
Which of the followings describes segregated funds?

A. Segregated funds offer some protection of the capital invested but there is an added cost for the protection.
B. Segregated funds flow through capital losses to investors because the investors are the owners of the underlying fund.
C. Segregated funds are subject to securities regulation because they are distributed by mutual fund dealing representatives.
D. Segregated funds have high returns, high management fees, and cannot be redeemed until the maturity date of the contract.

Antwort: A

Begründung:
Explanation
Segregated funds offer some protection of the capital invested but there is an added cost for the protection.
Segregated funds are contracts issued by life insurance companies that invest in underlying funds, similar to mutual funds. Segregated funds have a maturity guarantee and a death benefit guarantee, which ensure that the investor or their beneficiary will receive a certain percentage of their initial investment, regardless of market fluctuations. However, these guarantees come at a cost, which is reflected in higher management fees and insurance fees than mutual funds. Segregated funds do not have high returns, as they depend on the performance of the underlying funds. Segregated funds can be redeemed before the maturity date of the contract, but they may be subject to early redemption fees or market value adjustments. Segregated funds do not flow through capital losses to investors, as they are not considered owners of the underlying fund.
Segregated funds are subject to insurance regulation, not securities regulation, because they are distributed by life insurance agents. References: Segregated Funds

169. Frage
Which of the following is typical for a normal yield curve?

A. short term rates are lower than long term rates
B. long term rates are lower than short term rates
C. yields decline as term to maturity increases
D. short and long term rates are the same

Antwort: A

Begründung:
Explanation
A yield curve is a graphical representation of the relationship between the interest rates (or yields) and the term to maturity of different fixed income securities, such as bonds or debentures. A normal yield curve is upward sloping, meaning that the interest rates increase as the term to maturity increases. This is because investors typically demand higher compensation for lending their money for longer periods of time, as they face more uncertainty and risk. Therefore, a normal yield curve implies that short term rates are lower than long term rates.
References: Canadian Investment Funds Course, Unit 5, Section 5.2

170. Frage
......

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