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CIFCテスト対策書、CIFC受験資格

P.S.JpshikenがGoogle Driveで共有している無料の2025 IFSE Institute CIFCダンプ：https://drive.google.com/open?id=1gnUyqyvyn7kCh3xtVqIOPkRDVC5Um41W

Jpshikenは優れたIT情報のソースを提供するサイトです。Jpshikenで、あなたの試験のためのテクニックと勉強資料を見つけることができます。JpshikenのIFSE InstituteのCIFC試験トレーニング資料は豊富な知識と経験を持っているIT専門家に研究された成果で、正確度がとても高いです。Jpshikenに会ったら、最高のトレーニング資料を見つけました。JpshikenのIFSE InstituteのCIFC試験トレーニング資料を持っていたら、試験に対する充分の準備がありますから、安心に利用したください。

我々のCIFC問題集はIT認定試験に関連する豊富な経験を持っているIT専門家によって研究された最新バージョンの試験参考書です。この問題集は全面的で的中率が超高いです。我々のCIFC問題集はIFSE Instituteのリーダーです。そのほかに、我々はお客様の立場で商品を開発するという目的を持っていますから、あなたに利便性をもたらすために、我々は大好評を博しているCIFC問題集を開発しました。

>> CIFCテスト対策書 <<

CIFC受験資格 & CIFC問題と解答

CIFC試験はIFSE Instituteのひとつの認証試験でIT業界でとても歓迎があって、ますます多くの人がCIFC「Canadian Investment Funds Course Exam」認証試験に申し込んですがその認証試験が簡単に合格できません。準備することが時間と労力がかかります。でも、Jpshikenは君の多くの貴重な時間とエネルギーを節約することを助けることができます。

IFSE Institute CIFC 認定試験の出題範囲：

トピック
出題範囲

トピック 1

登録者の責任：この試験セクションでは、投資アドバイザーのスキルを評価し、登録専門家としての義務と倫理的責務について学びます。これには、顧客確認手続き、情報開示規則、そして顧客の最善の利益を最優先に考えることの重要性の理解が含まれます。

トピック 2

適性：このセクションでは、ファイナンシャルプランナーのスキルを評価し、投資商品が顧客のプロファイルに適合しているかどうかを判断する方法を網羅します。投資の選択肢を提供する際には、リスク許容度、投資期間、そして財務目標に焦点を当てます。

トピック 3

投資信託管理：この試験セクションでは、運用スペシャリストのスキルを評価し、投資信託の日常業務を支えるプロセスを網羅します。取引、記録管理、価格設定、コンプライアンス報告などが含まれます。

トピック 4

退職：このセクションでは、退職プランナーのスキルを評価し、退職準備のための投資計画戦略と口座の種類について学びます。登録プラン、収入ニーズ、引き出し計画などが含まれます。

トピック 5

投資の種類：このセクションでは、ウェルスマネージャーのスキルを評価し、様々な投資商品の特徴、リスク、メリットについて学びます。株式、債券、ETF、GIC、そして分散投資ポートフォリオに一般的に含まれるその他の金融商品に関する理解を深めます。

トピック 6

課税：この試験セクションでは、税理士のスキルを評価し、様々な投資や口座への課税方法を網羅します。キャピタルゲイン、利子所得、配当課税、登録口座と非登録口座の税務上の取り扱いなどが含まれます。

トピック 7

推奨作成とケーススタディ：このセクションでは、顧客アドバイザーのスキルを評価し、実際の顧客シナリオを通して投資知識の実践的な応用力を測ります。顧客情報を統合し、適切な投資推奨を作成することが求められます。

トピック 8

経済要因と金融市場：このセクションでは、市場アナリストのスキルを評価し、投資パフォーマンスに影響を与える基本的な経済原則と金融市場構造を網羅します。投資意思決定に関連する金利、インフレ、景気循環なども対象となります。

トピック 9

規制環境：この試験セクションでは、コンプライアンス担当者のスキルを測定し、投資信託業界を監督する主要な法律、規則、規制機関について学習します。これにより、専門家は投資信託会社や代理店が業務を行う法的枠組みを理解していることがわかります。

トピック 10

投資信託の種類：このセクションでは、ファンド営業担当者のスキルを評価し、様々な投資信託の種類の構造、メリット、そして目的について学びます。株式、債券、バランス型、インデックス、そしてスペシャルティファンドが含まれます。

IFSE Institute Canadian Investment Funds Course Exam 認定 CIFC 試験問題 (Q96-Q101):

質問 # 96
Exchange traded funds (ETFs) that track an index and index mutual funds have many similarities. However, what is a major difference between these two products?

A. ETFs can be purchased continuously throughout the trading day while index funds can only be bought or sold at the end of the day.
B. The market price of ETFs always matches the underlying basket of securities while there can be a discrepancy in pricing index funds.
C. ETFs do not have management fees since they are exchange traded while index funds do incur such fees.
D. While ETFs are prone to tracking errors, index funds are perfectly aligned with their underlying index.

正解：A

解説：
Explanation
ETFs can be purchased continuously throughout the trading day while index funds can only be bought or sold at the end of the day. This is because ETFs are traded on a stock exchange like stocks, while index funds are traded directly with the fund company like mutual funds. This difference gives ETFs more liquidity and flexibility than index funds, as investors can buy and sell ETFs at any time during market hours at the prevailing market price. Index funds, on the other hand, are priced only once a day at the end of the day based on the net asset value per unit (NAVPU) of the fund. Both ETFs and index funds are prone to tracking errors (A), which are the differences between the performance of the fund and the performance of the underlying index. Tracking errors can be caused by various factors, such as fees, expenses, dividends, rebalancing, and market conditions. The market price of ETFs does not always match the underlying basket of securities , as it is determined by supply and demand in the market. There can be a discrepancy between the market price and the NAVPU of an ETF, which is called the premium or discount. Index funds, on the other hand, are priced based on the NAVPU of the fund, which reflects the value of the underlying securities. Both ETFs and index funds have management fees (D), as they are both types of mutual funds that incur costs for managing and operating the fund. However, ETFs usually have lower management fees than index funds, as they are more passive and have lower turnover and distribution costs. References: Canadian Investment Funds Course (CIFC) | IFSE Institute

質問 # 97
Francis wants to redeem his US Asset Allocation Fund as he needs the money for a down payment for a home purchase. The current proceeds from the redemption are USD $27,859, and the current CAD/USD exchange rate is 0.7353.
How much will Francis receive in Canadian dollars when he redeems the Funds? Please round your answer to the nearest dollar.

A. $35,859
B. $42,861
C. $36,698
D. $37,888

正解：D

解説：
Explanation
A is correct because Francis will receive $37,888 in Canadian dollars when he redeems the Funds. This is calculated by dividing the current proceeds from the redemption in US dollars by the current CAD/USD exchange rate and rounding to the nearest dollar. That is,

質問 # 98
Pippa purchased a 15-year bond with a face value of $5,000 and a 7% coupon rate at the time of issuance. The bond is due to mature later this year. The general interest rate climate remained stable for the first 13 years of the bond's term. However, especially over the past 18 months, both inflation and general interest rates have increased more than expected.
What is Pippa likely to experience from her bond?

A. With capital appreciation at 7% annually, Pippa's capital gain will be reduced by inflation at maturity.
B. Due to inflation, Pippa will experience a capital loss once her bond reaches maturity.
C. The return of investment capital will have lower purchasing power than prior to investing.
D. With the unanticipated rise in inflation, Pippa will benefit from a higher real rate of return as well.

正解：C

解説：
Explanation
According to the Canadian Investment Funds Course, inflation is the general increase in the prices of goods and services over time. Inflation reduces the purchasing power of money, meaning that a dollar can buy less in the future than it can today. Inflation also affects the returns of fixed income investments, such as bonds, which pay a fixed amount of interest and principal. If inflation is higher than expected, the real rate of return (the nominal rate minus inflation) of a bond will be lower than anticipated.
In this case, Pippa purchased a 15-year bond with a 7% coupon rate at the time of issuance. The bond is due to mature later this year. The general interest rate climate remained stable for the first 13 years of the bond's term. However, especially over the past 18 months, both inflation and general interest rates have increased more than expected. This means that Pippa will receive less purchasing power from her bond's interest and principal payments than she expected when she bought the bond. She will not experience a capital loss, as she will receive the full face value of $5,000 at maturity. She will also not benefit from a higher real rate of return, as inflation erodes the value of her fixed payments. She will not receive any capital appreciation, as the bond's price does not change once it is held to maturity.
Therefore, the correct answer is C. The return of investment capital will have lower purchasing power than prior to investing.
References: 1: Canadian Investment Funds Course - IFSE Institute 2 (Unit 4: Fixed Income Securities)

質問 # 99
Last year at age 70, Gregory opened a registered retirement income fund (RRIF). Recently, Gregory unexpectedly received a large cash gift and presently does not need to depend on any payments from his RRIF.
He contacts his financial advisor Eric for guidance.
Which of the following statements by his financial advisor would be CORRECT?

A. Gregory's account will be subjected to no maximum withdrawal limit but to an annual minimum withdrawal.
B. Periodic contributions to a RRIF are permitted until Gregory reaches the age of 71.
C. Gregory must have attained the minimum age of 71 to open a RRIF.
D. Withdrawals become mandatory within the first year of the plan being started.

正解：A

解説：
Explanation
According to the Canadian Investment Funds Course, a registered retirement income fund (RRIF) is a type of registered plan that provides a stream of income in retirement. A RRIF can be opened at any age, but it must be established by the end of the year the annuitant turns 71. A RRIF cannot accept any contributions, but it can receive transfers from other registered plans, such as RRSPs, PRPPs, RPPs, or other RRIFs. A RRIF has no maximum withdrawal limit, meaning that the annuitant can withdraw any amount from the plan at any time.
However, a RRIF has a minimum withdrawal requirement, which is calculated based on the annuitant's age or the age of their spouse or common-law partner. The minimum withdrawal must be paid out in the year following the year the RRIF is opened and every year thereafter. The minimum withdrawal is taxable as income in the year of receipt.
Therefore, the correct answer is C. Gregory's account will be subjected to no maximum withdrawal limit but to an annual minimum withdrawal.
References: 1: Canadian Investment Funds Course - IFSE Institute 2 (Unit 9: Retirement)

質問 # 100
Yesterday, Mariana who is new to investing and purchased mutual funds for the very first time. She shared her excitement with her good friend, Julius. However, after Julius learned about her investment, he admits that he had a bad experience with mutual fund investing and that he lost money. Mariana regrets not talking to Julius prior to making her decision. Her feelings of enthusiasm have changed to fear. She is wondering if it is too late to change her mind and cancel her purchase order.
Which statement regarding the right of withdrawal is CORRECT?

A. The right of withdrawal for investors can be different depending on which province (or territory) the fund was purchased within.
B. The Mutual Fund Dealers Association of Canada (MFDA) have written conduct rules regarding the right of withdrawal.
C. Mariana has to wait two business after her purchase order has been settled to exercise the right of withdrawal.
D. The Canadian Securities Administrators (CSA) created legislation that addresses the right of withdrawal for investors.

正解：A

解説：
Explanation
The right of withdrawal is a statutory right that allows investors to cancel their purchase order of mutual funds within a specified period of time and receive a refund of the amount they paid. The right of withdrawal is also known as the cooling-off period or the rescission right. The right of withdrawal for investors can be different depending on which province (or territory) the fund was purchased within, as each jurisdiction has its own securities legislation and regulations that govern the mutual fund industry. For example, in Ontario, the right of withdrawal is two business days after receiving the simplified prospectus or the fund facts document, whichever is later1. In Quebec, the right of withdrawal is two business days after receiving the simplified prospectus or confirmation of purchase, whichever is later2. In British Columbia, the right of withdrawal is 48 hours after receiving confirmation of purchase3. Therefore, Mariana may still be able to exercise her right of withdrawal, depending on where she bought her mutual funds and when she received the required documents. References:
* Canadian Investment Funds Course (CIFC) Study Guide, Chapter 3: The Regulatory Environment, Section 3.2: The Right of Withdrawal, page 3-54
* Ontario Securities Commission - Mutual Funds - Buying and Selling1
* Autorite des marches financiers - Mutual Funds - Buying and Selling2
* British Columbia Securities Commission - Mutual Funds - Buying and Selling3

質問 # 101
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クライアントがCIFCクイズ準備を購入する前後に、思いやりのあるオンラインカスタマーサービスを提供します。クライアントは、購入前にCIFC試験実践ガイドの価格、バージョン、内容を尋ねることができます。ソフトウェアの使用方法、CIFCクイズ準備の機能、CIFC学習資料の使用中に発生する問題、および払い戻しの問題について相談できます。オンラインカスタマーサービスの担当者がCIFC試験実践ガイドに関する質問に回答し、辛抱強く情熱的に問題を解決します。

CIFC受験資格: https://www.jpshiken.com/CIFC_shiken.html

無料でクラウドストレージから最新のJpshiken CIFC PDFダンプをダウンロードする：https://drive.google.com/open?id=1gnUyqyvyn7kCh3xtVqIOPkRDVC5Um41W

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