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CISI Investment Funds in Canada (IFC) Exam Sample Questions (Q129-Q134):
NEW QUESTION # 129
Which index would investors use as a benchmark for doing research on the largest listed public companies in the US marketplace?
- A. S&P/TSX Composite
- B. MSCI EAFE Index
- C. S&P 500
- D. FTSE Canada Universe Bond Index
Answer: C
Explanation:
The S&P 500 is the appropriate benchmark for researching the largest listed public companies in the US market. The feedback from the document provides:
"Index: S&P 500, Description: The 500 largest publicly held companies that trade on U.S. markets, Performance uses: U.S. equity funds." Reference: Chapter 14 - Understanding Mutual Fund PerformanceLearning Domain: Evaluating and Selecting Mutual Funds
NEW QUESTION # 130
An investor purchases units of an equity fund for $17.60. In which of the following circumstances would an investor potentially owe taxes on capital gains?
- A. A dividend distribution is reinvested into additional units of the same fund
- B. The fund is sold today for $18.80 per unit and the proceeds are reinvested
- C. The fund is currently valued at $16.45 per unit
- D. The fund is currently valued at $18.80 per unit
Answer: B
Explanation:
Capital gains are realized when an investor sells a fund at a profit. Selling units at $18.80 (purchased at
$17.60) triggers a taxable capital gain in a non-registered account. The feedback from the document states:
"Capital gains are generated when an investor sells an investment for more than the price paid; for example, selling a stock at a profit will generate a capital gain. Capital gains are not realized when an investment goes up in price; a sale must occur." Reference: Chapter 16 - Mutual Fund Fees and ServicesLearning Domain: Evaluating and Selecting Mutual Funds
NEW QUESTION # 131
Helen is an experienced investor and after all these years she believes that the market is completely efficient.
What action would she undertake?
- A. Monitor financial press in order to find securities that are under- or over-valued
- B. Invest in ETF that tracks the S&P/TSX Composite Index
- C. Find a portfolio manager who will be managing her portfolio on an everyday basis
- D. Use market timing strategy trying to "beat the market"
Answer: B
Explanation:
If Helen believes in the Efficient Market Hypothesis (EMH), she accepts that markets fully reflect available information and that it is nearly impossible to consistently beat the market.
The recommended action is passive investing, e.g., buying an index-tracking ETF.
B (market timing) and D (security selection) contradict EMH.
NEW QUESTION # 132
Which financial instruments trade primarily in an auction market?
- A. Equity initial public offerings
- B. ETFs
- C. Bonds
- D. Mutual funds
Answer: C
Explanation:
Bonds are primarily traded in dealer markets (over-the-counter - OTC) rather than in organized auction exchanges like the major stock exchanges. In a dealer market, multiple dealers post prices at which they are willing to buy or sell securities, providing liquidity and making a profit from the bid-ask spread. The U.S.
government bond market, for example, is a large over-the-counter dealer market.
NEW QUESTION # 133
Which form of investment income is taxed at an investor's marginal tax rate?
- A. Capital losses
- B. Canadian dividend income
- C. Capital gains
- D. Foreign dividend income
Answer: D
Explanation:
Comprehensive and Detailed Explanation From Exact Extract:
Foreign dividend income is taxed at the investor's marginal tax rate without the benefit of a dividend tax credit, unlike Canadian dividend income, which qualifies for a tax credit. The feedback from the document states:
"Foreign dividend income is not eligible for any dividend tax credit, and is taxed at an investor's marginal tax rate." Reference:Chapter 6 - Tax and Retirement PlanningLearning Domain:The Know Your Client Communication Process
NEW QUESTION # 134
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