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IFIC Mutual Funds Licensing Practice Exam · Question

A mutual fund representative must ensure that a recommended investment is suitable for a client based on which of the following updated criteria?

Suitability requires a comprehensive assessment of the client's financial situation, investment knowledge, risk tolerance, and investment objectives. Recommendi

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Question: A mutual fund representative must ensure that a recommended investment is suitable for a client based on which of the following updated criteria?

Answer options:

  • The client's current age only.
  • The representative's commission structure. ✅ The client's complete financial situation, investment knowledge, risk tolerance, and investment objectives.
  • The trend of the overall market.

Correct answer: The client's complete financial situation, investment knowledge, risk tolerance, and investment objectives.

Explanation: Suitability requires a comprehensive assessment of the client's financial situation, investment knowledge, risk tolerance, and investment objectives. Recommending based on only one factor or the representative's interests is a breach of suitability rules.

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