최신 FINRA Certification Series6 무료샘플문제:

1. Your client is trying to choose between a variable annuity and a fixed annuity. You can tell him that:
I. the fixed annuity will make guaranteed monthly payments, but has more purchasing power risk than a
variable annuity.
II. he can expect higher monthly payments from his fixed annuity during a bear market than he would get
from a variable annuity.
III. the earnings on both variable and fixed annuities grow tax-deferred.

A) I only
B) I and III only
C) I and II only
D) I, II, and III

2. Mr. Cross wanders into your office with a $35,000 check that he has received from his recently-deceased
wife's insurance company and wants you to advise him how to invest it, since that is your job, as he puts it.
You ask him to fill out a standard investor profile questionnaire, but he refuses to do so. You offer to fill it
out for him, based on his answers to your verbal questions, but he still refuses and calls you a
"nibby-nose." Based on this, you can:

A) The advice provided in either Choice B or Choice C would be appropriate.
B) advise him to invest the money in a money market mutual fund instead of holding it as cash.
C) advise him to invest the money in an S&P 500 Index fund.
D) allocate the $35,000 any way you choose since you have an uncooperative client.

3. Which of the following is true about treasury bonds?

A) have no default risk.
B) are totally risk-free.
C) have no interest-rate risk.
D) have no prepayment risk.

4. Tex Payor is an investor in the Invest4U Mutual Fund. The manager of the fund, fearing a substantial
decline in the stock market, sold a lot of the fund's holdings to lock in profits. As a result, the fund earned a
lot of long-term capital gain income. Which of the following statements is true regarding the tax treatment
of this income?

A) Tex must pay taxes on that portion of the long-term capital gain income that Invest4U distributes to
him.
B) Tex must pay taxes on his proportionate share of the long-term capital gain income earned by Invest4U,
whether distributed or not.
C) None of the above is a true statement.
D) Tex must pay taxes only on dividend income distributed by Invest4U.The mutual fund itself pays tax on
any capital gains it earns.

5. MBIA, Inc., a municipal bond insuring company, has a bond issue that is selling for $80.05 per $100 of par.
The bond has a coupon rate of 7%, with semiannual payments, and matures in 2025. The current yield on
this bond is:

A) 9.550%.
B) 7.000%.
C) 8.745%.
D) none of the above.

질문과 대답: