Free Online CFA Level 1 Mock Exam 2

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Ethical and Professional Standards

1. Justin Zoghlin, a chartered financial analyst, was hired a year ago as a wealth manager to manage the $2 billion estate of an Oklahoma family. He has the flexibility to work the hours he chooses. Zoghlin took the job while also serving as president of his religious group, which conducts regular social welfare programs. In addition, he manages investments for his extended family. He is not paid for his religious group activities or his family investments. His friends saw the substantial returns he was bringing in and convinced him to manage investments for them as well.

Now, a year later, he no longer serves his religious community. He manages investments for non-family members, but charges a fee of 10% of the portfolio value. Zoglin did not notify his employer of these activities.

In which business activity is Zoglin least likely to violate the CFA Institute’s Standards of Professional Conduct?

A. Serving the religious community.

B. Managing non-family investments.

C. Managing family investments.

Correct Answer: A

Answer Explanation:

The activity was not related to financial services.

B and C are incorrect because Zoglin violated Standard IV (B) Additional Compensation Arrangements because he had a potential conflict of interest working for the employer.

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2. Rani Kaporwala, CFA, an analyst at Smart Securities, has just written a newsletter for the firm’s clients on a new investment strategy for derivatives. Due to the complex nature of the strategy, which is designed to manage risk and involves different trading patterns in a variety of economic scenarios, Kaporwala decided to explain the strategy by including only the top three liquid securities with relatively low market volatility. As a result, she withheld information about the portfolio construction and valuation program.

Did Kaporwala violate any CFA Institute standards?

A. No.

B. Yes, relating to communications with clients and prospective clients.

C. Yes relating to fair dealing.

Without an understanding of valuation modeling, clients will not be able to understand and evaluate portfolio construction.

Correct Answer: B

Answer Explanation:

Kaporwala may have violated CFA Institute Standard V (B) – Communication with Clients and Prospective Clients because she was required to inform clients of the underlying process and logic, as well as the limitations and inherent risks of the strategy when it comes to illiquid and highly volatile securities.

Without an understanding of valuation modeling, clients will not be able to understand and evaluate portfolio construction.

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3. Cara Knightly is a respected portfolio manager at RMC Investment Management. Knightly plans to sell General Tire Corporation (GTC) stock in her personal portfolio to pay for her children’s college tuition. Knightly notified her supervisor in accordance with the firm’s pre-approval process and received approval. However, RMC issued a research report on GTC Corporation with a “buy” recommendation, and Knightly also advised some of her clients to purchase the stock for their portfolios if appropriate.

Did Knightly violate any CFA Institute standards?

A. Yes, related to priority of transactions.

B. Yes related to loyalty, prudence, and care.

C. No.

Correct Answer: C

Answer Explanation:

Knightley has applied for approval in accordance with the firm’s prequalification procedures.

She did not violate Standard VI (B)-Transaction Priority because the standard does not restrict firm employees from entering into transactions that differ from the current recommendation as long as the sale would not be detrimental to the current customer.

She did not violate Standard III (A) – Loyalty, Prudence and Care because the buy recommendation was made to the client with the client’s best interests in mind.

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