CSI Investment Funds in Canada IFC Dumps in PDF

Free CSI IFC Real Questions (page: 9)

Which statement best describes key differences between dividend funds and standard equity funds?

  1. Standard equity funds cannot invest in preferred shares
  2. Standard equity funds' objectives do not include capital preservation
  3. Standard equity funds' objectives do not include current dividend income
  4. Standard equity funds' objectives are based on a belief in market efficiency

Answer(s): B

Explanation:

Standard equity funds focus on capital gains and may include dividend income, but unlike dividend funds, they do not prioritize capital preservation. The feedback from the document states:

"A standard equity fund seeks to earn some combination of dividend income and capital gains from investment in Canadian common stocks. This objective appears to be similar to that of a preferred dividend fund. The difference between the two is that an equity fund usually has a much stronger capital gains focus. Note as well that equity funds make no specific attempt to preserve capital; in other words, equity funds are willing to put capital at substantially greater risk than preferred dividend funds."


Reference:

Chapter 12 ­ Riskier Mutual Fund ProductsLearning Domain: Analysis of Mutual Funds



You are concerned about upcoming weakness in the Canadian dollar.
Which type of fund should you invest in?

  1. A specialty fund that uses derivatives to hedge the value of its portfolio
  2. An international fund that hedges its foreign currency risk
  3. A global fund that hedges its foreign currency risk
  4. A global fund that does not hedge its foreign currency risk

Answer(s): D

Explanation:

A global fund that does not hedge foreign currency risk benefits from a weakening Canadian dollar, as the value of foreign investments increases in Canadian dollar terms. The feedback from the document states:

"Global mutual funds are attractive in that they can provide a hedge against a decline in the relative value of the Canadian dollar... It is important for mutual fund sales representatives to know whether their global mutual funds hedge foreign exchange risk, because some clients will want to bear that risk themselves, while others will not."


Reference:

Chapter 12 ­ Riskier Mutual Fund ProductsLearning Domain: Analysis of Mutual Funds



What is an implicit cost of principal protected notes?

  1. Structuring costs and guarantee fees
  2. Performance participation caps
  3. Commissions
  4. Early redemption fees

Answer(s): B

Explanation:

Implicit costs of principal protected notes include performance participation caps, which limit the potential returns and are not always explicitly disclosed. The feedback from the document states:

"Implicit costs include fees borne by investors that may or may not be immediately visible and that may or may not be openly disclosed in the documents. Of the items listed, three are explicit costs, and only Performance Participation Caps are an implicit cost."


Reference:

Chapter 13 ­ Alternative Managed ProductsLearning Domain: Understanding Alternative

Managed Products



What type of managed fund, recently introduced to Canada, is allowed greater use of short sales, leverage, and derivatives compared to mutual funds, but not to the same extent as hedge funds?

  1. Liquid alts
  2. Private equity
  3. Closed-end discretionary fund
  4. Principal-protected notes

Answer(s): A

Explanation:

Liquid alternative funds (liquid alts) are designed to offer more flexibility in using short sales, leverage, and derivatives compared to traditional mutual funds, but with less freedom than hedge funds. The feedback from the document states:

"Liquid alts, also known as alternative mutual funds, were recently introduced into Canada, and are allowed greater use of short sales, leverage, and derivatives compared to regular mutual funds, but not to the same extent as hedge funds."


Reference:

Chapter 13 ­ Alternative Managed ProductsLearning Domain: Understanding Alternative Managed Products



An investor seeks an equity investment that will mirror the performance of the energy sector in Canada. She desires a low-cost, flexible alternative that can quickly be bought or sold.
Which product is most suited to her needs?

  1. Energy-sector index mutual fund
  2. Exchange-traded fund of energy sector stocks
  3. Direct investment in energy sector stocks
  4. Energy sector segregated fund

Answer(s): B

Explanation:

Exchange-traded funds (ETFs) are traded on exchanges, offering flexibility and lower costs compared to index mutual funds, making them ideal for tracking the energy sector. The feedback from the document states:

"Like stocks, and unlike index mutual funds, ETFs are traded on an exchange and can be bought and sold throughout the trading day. In this way, ETFs provide investors with a flexible way to participate in the performance of the underlying assets without having to acquire the assets directly, incurring high transaction costs. MERs on ETFs also tend to be lower than on other index and actively managed products."


Reference:

Chapter 13 ­ Alternative Managed ProductsLearning Domain: Understanding Alternative Managed Products



The performance of ABC Mutual Fund ranks 54 out of 100 funds in its peer group.
What is its quartile ranking?

  1. 4th quartile
  2. 1st quartile
  3. 2nd quartile
  4. 3rd quartile

Answer(s): D

Explanation:

Quartile rankings divide funds into four equal groups, with the 1st quartile being the top 25%. A rank of 54 out of 100 places the fund in the 3rd quartile (51­75). The feedback from the document states:

"A quartile sorts performance into four equal parts or blocks. The quartiles are given a rank ­ 1, 2, 3 or 4 ­ to show how well a certain fund's performance compared to all other funds in the peer group, with the 1st quartile representing the top 25 performers."


Reference:

Chapter 14 ­ Understanding Mutual Fund PerformanceLearning Domain: Evaluating and Selecting Mutual Funds



Which drawback of the comparison universe method makes average fund managers look more like underperformers as the comparison period lengthens?

  1. Survivorship bias
  2. Definition of universes
  3. Matching of risk profiles
  4. Universe size

Answer(s): A

Explanation:

Survivorship bias occurs when underperforming funds are terminated and excluded from performance rankings, making surviving funds appear to perform better over time. The feedback from the document states:

"All comparison universes exhibit some degree of survivorship bias no matter how carefully the universes are constructed. Survivorship bias develops as defunct portfolios drop out and are excluded from rankings in subsequent quarters. Funds that are terminated or cease to exist are usually those who have been unsuccessful, creating an upward bias in the returns of longer-run funds in the surviving universe."


Reference:

Chapter 14 ­ Understanding Mutual Fund PerformanceLearning Domain: Evaluating and Selecting Mutual Funds



What type of fund offers the highest expected risk and the highest expected return in terms of the risk-return trade-off between different types of mutual funds?

  1. Mortgage fund
  2. Canadian Equity fund
  3. Specialty fund
  4. Real estate fund

Answer(s): C

Explanation:

Specialty funds, due to their focused and often speculative investments, carry the highest expected risk and return among mutual funds. The feedback from the document states:

"The highest risk, highest expected return mutual fund is a specialty fund."


Reference:

Chapter 15 ­ Selecting a Mutual FundLearning Domain: Evaluating and Selecting Mutual Funds



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