Valid CSC2 Exam Prep & CSC2 Valid Exam Vce
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CSI Canadian Securities Course Exam2 Sample Questions (Q127-Q132):
NEW QUESTION # 127
An investment analyst at a bank is reviewing the high, low and closing prices of a financial services stock.
What type of analysis is this analyst conducting?
- A. Moving average analysis
- B. Chart analysis
- C. Quantitative analysis
- D. Cycle analysis
Answer: B
NEW QUESTION # 128
What happens if a company's dividend payout ratio exceeds 100%?
- A. Shareholders' equity will be eroded
- B. The company will be unable to repay its debts
- C. The share price will increase
- D. Profits will be reduced
Answer: A
NEW QUESTION # 129
Which asset allocation technique is used to shift the portfolio away from its policy mix to take advantage of market opportunities?
- A. Tactical
- B. Strategic
- C. Dynamic
- D. Event-driven
Answer: A
NEW QUESTION # 130
The Bank of Canada uses an operating band to help manage the oversight rate. How wide is the operating Band?
- A. 100 basis points.
- B. 50 basis points
- C. 25 basis points
- D. 75 basis points
Answer: B
Explanation:
The Bank of Canada uses anoperating band of 50 basis pointsto manage the overnight rate. The top of the band is theBank Rate, and the bottom is the rate the Bank pays on settlement balances. The overnight rate typically operates within this band.
* A. 25 basis points: This is too narrow to accommodate monetary operations.
* B. 75 basis points: This is wider than the standard operating band.
* D. 100 basis points: This is incorrect; the operating band is 50 basis points.
NEW QUESTION # 131
Which fiscal policy measure was designed to encourage individuals to save?
- A. Dividend tax credit.
- B. Tax Free Savings Account.
- C. Capital gain inclusion rate.
- D. First Home Savings Account.
Answer: B
Explanation:
The Tax-Free Savings Account (TFSA) is a fiscal policy measure introduced by the Canadian government to encourage individuals to save. Unlike other savings mechanisms, the TFSA provides a unique tax advantage:
any income earned within the account, whether from interest, dividends, or capital gains, is completely tax- free. This structure incentivizes saving by maximizing the growth potential of the funds invested without the burden of tax erosion.
* Nature of the TFSA
* Introduced in 2009, the TFSA allows Canadians aged 18 or older to contribute a specific annual limit (indexed to inflation) to the account. Contributions are made with after-tax dollars, meaning withdrawals, including investment income, are not taxed.
* Comparison to Other Measures in the Options:
* First Home Savings Account (FHSA): This is a targeted saving vehicle to assist first-time homebuyers and is more restrictive in its purpose.
* Capital Gain Inclusion Rate: Although it reduces taxable income by allowing only a portion of capital gains to be taxed, it doesn't offer the complete tax-exempt growth and withdrawal benefits of a TFSA.
* Dividend Tax Credit: This offsets taxes on eligible dividends but is designed to encourage investment in Canadian corporations rather than promote individual saving per se.
* Economic ImpactBy encouraging Canadians to save, the TFSA bolsters household financial security and indirectly supports the broader economy by increasing available investment capital.
* Volume 2, Chapter 24: Canadian Taxation - Section on Tax-Free Savings Accounts.
* Volume 2, Chapter 13: Macroeconomic Analysis - Fiscal Policy Measures.
Detailed Explanation:References:
NEW QUESTION # 132
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