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Question 49
What is the main benefit of investing in preferred shares?
Options:
A.
Priority to receive fixed dividends ahead of common shareholders.
B.
Priority to claim assets ahead of debt holders.
C.
Higher potential for capital appreciation than common shares.
Preferred shares provide investors with priority to receive fixed dividends ahead of common shareholders . This fixed income feature makes preferred shares similar to debt instruments but with characteristics of equity. While preferred shareholders have no guaranteed dividend payment (subject to the company’s discretion and profitability), they are entitled to receive dividends before any distribution to common shareholders.
Preferred shares do not have a higher potential for capital appreciation compared to common shares, as they are typically designed for income rather than growth. Additionally, preferred shareholders have a lower claim on assets compared to debt holders.
Question 50
What is an example of a common feature of robo-advisor services?
Options:
A.
The service is exclusively provided to intermediaries such as advisors and employers
B.
The portfolios are rarely rebalanced
C.
Portfolios are built primarily with individual stocks and bonds.
D.
A telephone call with an advisor verifies that the computer-generated portfolio is suitable for the client.
Many robo-advisors offer a hybrid model where an automated portfolio recommendation is supplemented by human oversight. A telephone call with an advisor ensures the portfolio generated by the algorithm aligns with the client’s risk tolerance and investment objectives. This step helps meet regulatory suitability requirements.
A. The service is exclusively provided to intermediaries such as advisors and employers: Robo-advisors are directly available to retail clients and are not exclusive to intermediaries.
B. The portfolios are rarely rebalanced: Robo-advisors typically offer frequent or automatic rebalancing to maintain target asset allocations.
C. Portfolios are built primarily with individual stocks and bonds: Robo-advisors predominantly use ETFs for diversification and cost-efficiency, not individual securities.
[Reference:CSC Volume 1, Chapter 1, "Financial Technology – Robo-Advisors" highlights the hybrid models and regulatory compliance processes employed by robo-advisors, , ]
Question 51
Which type of industry typically has a high inventory turnover ratio?
Inventory turnover measures how quickly a company sells and replaces inventory during a period. A high inventory turnover ratio is typical of industries where products move through the sales cycle relatively quickly and inventory does not remain tied up for long periods. Cosmetics generally have faster-moving consumer products and shorter inventory cycles than industries that require aging, storage, or heavy production processes. Wineries and distillers often hold inventory for extended periods because products may require aging before sale, producing slower turnover. Steel manufacturers also tend to carry raw materials, work-in-progress, and finished goods tied to industrial production cycles. Among the choices, cosmetics is the best example of an industry likely to show high inventory turnover.
