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Series6 - NASD Series 6 - Dump Information

Vendor : Business-Tests
Exam Code : Series6
Exam Name : NASD Series 6
Questions and Answers : 200 Q & A
Updated On : Click to Check Update
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Series6 Questions and Answers

Pass4sure Series6 Dumps with Real Questions & Practice Test


All of the following would create Deflation in the U.S. economy EXCEPT:

  1. Increasing taxes

  2. A decline in the general level of prices

  3. Reduction in the supply of money

  4. More government spending

Answer: D


Deflation is a general decline in the prices of goods and services. Deflation can occur from

an increase in taxes, less government spending, and a reduction in the money supply. It is usually caused by a slowdown in demand coupled with an adequate supply


The security that offers the best protection against purchasing power risk or inflation is

which of the following?

  1. Treasury bond

  2. Fixed annuity

  3. Common stock

  4. Certificate of deposit

Answer: C


Debt securities and investments that promise fixed rates of returns are the most susceptible to purchasing power risk or inflation. Fixed annuities, CD’s, and treasury bonds all fall

under these categories


An investor that holds a corporate bond until maturity will be exposed to all of the following risks EXCEPT:

  1. Call risk

  2. Inflationary Risk

  3. Credit risk

  4. Interest rate risk

Answer: D


At maturity date, it makes neither difference what the bonds coupon is nor its relationship to current interest rates. The bond always pays off at par. Inflation, credit risk, and call risk are

all risks associated with buying corporate bonds


Which of the following can be found on the corporate Balance Sheet?

  1. Working Capital,

  2. Accounts Payable,

  3. Inventory,

  4. Current Ratio

  1. II, III, and IV

  2. I, II, III, and IV

  3. II and III only

  4. I and II only

Answer: B


The balance Sheet is also known as the statement of financial condition it is used as a snapshot picture of a company at a specific date in time. The balance Sheet compares

corporate assets to liabilities, the total assets minus total liabilities equals net worth


Which of the following statements concerning Inflation are Correct?

  1. A higher rate of inflation usually leads to increasing interest rates,

  2. A higher rate of inflation usually leads to lower interest rates,

  3. Inflation deteriorates purchasing power,

  4. Inflation has no relationship to the rise in prices of good and services

  1. I and III only

  2. I, III, and IV

  3. II, III, and IV

  4. II and III only

Answer: A


Inflation is the economic condition that is characterized by continuously rising prices for

goods and services. Inflation deteriorates purchasing power and typically has a negative effect on interest-rate sensitive securities, a higher rate of inflation usually leads to increased interest rates


If the value of the US dollar declines relative to foreign currencies, which of the following would be true?

  1. US exports would increase,

  2. Foreign imports would decrease,

  3. Foreign products become cheaper in the US,

  4. US exports would decrease

  1. II, III, and IV

  2. II and IV only

  3. I and II only

  4. III and IV only

Answer: C


When the value of the US dollar is high, importers benefit and exporters suffer. When the

US dollar has weakened, importers suffer and exporters benefit. As the US dollar declines relative to foreign currencies, foreign products become more expensive to purchase in the US. US exports then become more cheaper and competitive for foreigners, thus resulting in an increase in US exports and a decrease of foreign imports into the United States


The risk found in trading “thinly held issues” or those that lack marketability is best known as:

  1. Liquidity Risk

  2. Exchange Rate Risk

  3. Default Risk

  4. Business Risk

Answer: A


Liquidity is the ability to convert assets into cash or cash equivalents without significant


Business-Tests Series6 Exam (NASD Series 6) Detailed Information

Series 6 Exam
This exam is administered by the Financial Industry Regulatory Authority (FINRA) Upon successful completion of the Series 6, an individual will have the qualifications needed to sell open end mutual funds and variable annuities. In order to conduct business in annuity contracts the series 6 agent will also be required to pass a state life insurance exam
Need to pass the Series 6 exam?
Series 6 Online Study Guide Book Icon
Series 6 Online Study Guide
Pass the Series 6 Exam so you can sell mutual funds, and annuities with our Free Online Study Guide - Click Here
Try Our Series 6 Quizzer
Start Your Series 6 Exam
Time Limit: 2 hours and 15 minutes
Number of Questions: 100, plus 5 "pre-test" questions
Passing Score: 70%
Format: Multiple Choice
Prerequisites: You must be sponsored by a financial company who is a member of FINRA, or a Self-Regulatory Organization (SRO).
Exam Date(s): Any weekday
Exam Locations: Find your U.S. or international exam center here
Official Exam Website:
Exam Topic Weights
Function 1 - Regulatory fundamentals and business development - 22 Questions
Function 2 - Evaluates customer financial information, identifies investment objectives, provides information on investment products, and makes suitable recommendations -
47 Questions
Function 3 - Opens, maintains, transfers and closes accounts and retains appropriate account records - 21 Questions
Function 4 - Obtains, verifies, and confirms customer purchase and sale instructions -
10 Questions
TOTAL 100 Questions
Series 6 Exam Prep Products
Our Series 6 exam prep materials boast the highest pass rates in the industry and will guide you through your entire exam prep process. Our Wiley exam review guides are the very high quality you would expect from the world's largest publisher of financial information. Ensure you are ready to pass your Series 6 exam with our best in class Series 6 exam training materials. Our series 6 GreenLight exam is the perfect way to top off your series 6 exam preparation. Our series 6 materials now come with our Series 6 money back GreenLight Guarantee ™.
How To Master Advanced Annuity Concepts On The Series 6 Exam
and become an Investment Company Representative
One of the keys to passing the series 6 exam is to make sure that you have a complete understanding of how advanced annuity concepts will be tested on the Series 6 Exam. This article, which was produced from material contained in our series 6 textbook, will help you master the material so that you pass the series 6 exam.
Annuity Purchase Options
An investor may purchase an annuity contract in one of three ways. They are:
Single payment deferred annuity
Single payment immediate annuity
Periodic payment deferred annuity
Single Payment Deferred Annuity
With a single payment deferred annuity, the investor funds the contract completely with one payment and defers receiving payments from the contract until some point in the future, usually after retirement. Money being invested in a single payment deferred annuity is used to purchase accumulation units. The number and value of the accumulation units varies as the distributions are reinvested and the value of the separate account's portfolio changes.
Single Payment Immediate Annuity
With a single payment immediate annuity, the investor funds the contract completely with one payment and begins receiving payments from the contract immediately, normally within 60 days. The money that is invested in a single payment immediate annuity is used to purchase annuity units. The number of annuity units remains fixed and the value changes as the value of the securities in the separate account's portfolio fluctuates.
Periodic Payment Deferred Annuity
With a periodic payment annuity the investor purchases the annuity by making regularly scheduled payments into the contract. This is known as the accumulation stage. During the accumulation stage the terms are flexible and if the investor misses a payment there is no penalty. The money invested in a periodic payment deferred annuity is used to purchase accumulation units. The number and value of the accumulation units fluctuate with the securities in the separate portfolio.
Accumulation Units
An accumulation unit represents the investor's proportionate ownership in the separate account's portfolio during the accumulation or deferred stage of the contract. The value of the accumulation unit will fluctuate as the value of the securities in the separate account's portfolio changes. As the investor makes contributions to the account or as distributions are reinvested, the number of accumulation units will vary. An investor will only own accumulation units during the accumulation stage, when money is being paid into the contract or when receipt of payments is being deferred by the investor, such as with a single payment deferred annuity.
Annuity Units
When an investor changes from the pay-in or deferred stage of the contract to the payout phase, the investor is said to have annuitized the contract. At this point, the investor trades in their accumulation units for annuity units. The number of annuity units is fixed and represents the investor's proportional ownership of the separate accounts portfolio during the payout phase. The number of annuity units that the investor receives when they annuitize a contract is based on the pay-out option selected, the annuitant's age and sex, the value of the account, and the assumed interest rate.
Annuity Payout Options
An investor in an annuity has the choice of taking a lump sum distribution or receiving scheduled payments from the contract. If the investor decides to annuitize the contract and receive scheduled payments, once the payout option is selected, it may not be changed. The following is a list of typical payout options in order from the largest monthly payment to the smallest. They are:
Life only/straight life
Life with period certain
Joint with last survivor
Life Only/Straight Life
This payout option will give the annuitant the largest periodic payment from the contract, and the investor will receive payments from the contract for their entire life. However, when the investor dies, there are no additional benefits paid to their estate. If an investor has accumulated a large sum of money in the contract and dies unexpectedly shortly after annuitizing the contract, the insurance company keeps the money in their account.
Life with Period Certain
A life with period certain payout option will payout from the contract to the investor or to their estate for the life of the annuitant or for the period certain, whichever is longer. If an investor selects a 10-year period certain when they annuitize the contract and the investor lives for 20 more years, payments will cease upon the death of the annuitant. However, if the same investor died only two years after annuitizing the contract, payments would go to their estate for another eight years.
Joint with Last Survivor
When an investor selects a joint with last survivor option, the annuity is jointly owned by more than one party and payments will continue until the last owner of the contract dies. For example, if a husband and wife are receiving payments from an annuity under a joint with last survivor option, and the husband dies, payments will continue to the wife for the rest of her life. The payments received by the wife could be at the same rate as when the husband was alive or at a reduced rate, depending on the contract. The monthly payments will initially be based on the life expectancy of the youngest annuitant.
Factors Affecting the Size of the Annuity Payment
All of the following determine the size of the annuity payments:
Account value
Payout option selected
Account performance vs. the assumed interest rate (AIR)
The Assumed Interest Rate (AIR)
When an investor annuitizes a contract, they trade their accumulation units in for annuity units. Once the contract has been annuitized the insurance company sets a benchmark for the separate account's performance, known as the assumed interest rate, or AIR. The AIR is not a guaranteed rate of return; it is only used to adjust the value of the annuity units up or down based on the actual performance of the separate account. The assumed interest rate is an earnings target that the insurance company sets for the separate account. The separate account must meet this earnings target in order to keep the annuitant's payments at the same level. As the value of the annuity unit changes, so does the amount of the payment that is received by the investor. If the separate account outperforms the AIR, an investor would expect their payments to increase. If the separate account's performance fell below the AIR, the investor could expect their payment to decrease. The separate account's performance is always measured against the AIR, never against the previous month's performance. An investor's annuity payment is based on the number of annuity units owned by the investor multiplied by the value of the annuity unit. When the performance of the separate account equals the AIR, the value of the annuity unit will remain unchanged and so will the investor's payment. Selecting an AIR that is realistic is important. If the AIR is too high and the separate account's return cannot equal the assumed rate, the value of the annuity unit will continue to fall and so will the investor's payment. The opposite is true if the AIR is set too low. As the separate account outperforms the AIR, the value of the annuity unit will continue to rise and so will the investor's payment. The AIR is only relevant during the payout phase of the contract when the investor is receiving payments and owns annuity units. The AIR does not concern itself with accumulation units during the accumulation stage or when benefits are being deferred.
Contributions made to an annuity are made with after-tax dollars. The money the investor deposits becomes their cost basis and is allowed to grow tax-deferred. When the investor withdraws money from the contract, only the growth is taxed. Their cost base is returned to them tax-free. All money in excess of the investor's cost base is taxed as ordinary income.
Series 6 Certification and Training Programs
A Certified Financial Planner (CFP) training program is designed to get students ready to sit for the CFP Certification Examination, with many programs featuring online courses.
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Essential Information
The Certified Financial Planner (CFP) certification test is used to gauge an applicant's knowledge of specific securities and investment policies. CFP certification is required of anyone who wants to engage in financial planning situations and meet the ever-changing needs of clients. Applicants can train for the CFP exam through school courses or study guides in print or online. Those wishing to enroll in a program must hold a bachelor's degree, and those who go on to take the exam are required to have 3 years of professional experience in the financial planning process.
Series 6 - Investment Company and Variable Contracts Products Representative Examination (IR)
The Series 6 exam—the Investment Company and Variable Contracts Products Representative Qualification Examination (IR)—assesses the competency of an entry-level representative to perform his or her job as an investment company and variable contracts products representative.
The exam measures the degree to which each candidate possesses the knowledge needed to perform the critical functions of an investment company and variable contract products representative, including sales of mutual funds and variable annuities.
The exam consists of 100 scored questions and an additional five unscored pretest questions. Candidates are given two hours and 15 minutes to complete the exam. The passing score is 70 percent.
Please see NASD Rule 1032(b) Investment Company and Variable Contracts Products Representative for more information.
Content Outline
Permitted Activities
Taking The Exam
Using Reference Materials
Content Outline
The Series 6 Content Outline provides a comprehensive guide to the range of topics covered on the exam, as well as the depth of knowledge required. It includes sample questions to acquaint a candidate with the types of multiple-choice questions on the exam.
The outline is comprised of the four main job functions of a Series 6 representative:
Function 1 — Regulatory fundamentals and business development
Function 2 — Evaluate customers’ financial information, identify investment objectives, provide information on investment products, and make suitable recommendations
Function 3 — Open, maintain, transfer and close accounts, and retain appropriate account records
Function 4 — Obtain, verify and confirm customer purchase and sale instructions
Download: Series 6 Content Outline
The Series 6 does not have a prerequisite exam.
Please see Register a New Candidate for more information on the registration process.
Permitted Activities
A candidate who passes the Series 6 exam is qualified for the solicitation, purchase and/or sale of the following securities products:
Mutual funds (closed-end funds on the initial offering only)
Variable annuities
Variable life insurance
Unit investment trusts (UITs)
Municipal fund securities (e.g., 529 College Savings Plans, local government investment pools (LGIPs), and Coverdell Education Savings Accounts)
Taking the Exam
The table below lists the allocation of exam questions for each main job function of an investment company and variable contracts products representative.
Job Functions Number of Questions
Function 1 – Regulatory fundamentals and business development 22
Function 2 – Evaluate customers’ financial information, identify investment objectives, provide information on investment products, and make suitable recommendations 47
Function 3 – Open, maintain, close, and transfer accounts and retain appropriate account records 21
Function 4 – Obtain, verify, and confirm customer purchase and sale instructions 10
See On the Day of Your Exam for more information.
Using Reference Materials
The test administrator will provide whiteboard/dry erase marker and basic electronic calculators to the candidates, which must be returned to the test center administrator at the end of the testing session. Some test questions involve calculations. Only the provided calculators may be used during the examination.
The examination may contain questions that require the use of exhibits (e.g., charts, graphs, tables). If so, the questions will indicate when to refer to an exhibit.
Candidates are not permitted to bring any reference materials to testing sessions. Severe penalties are imposed on candidates who cheat or attempt to cheat on FINRA administered examinations.
To learn more about logistics and protocols for your exam day, please see On The Day of Your Exam.
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The observe verify can aid prepare for these differentials. 2. One be aware can have a few meanings. Be organized for distinct meanings of the same word, exceptionally with the SIE, Walck says. for example, essential can suggest a bonds face cost, a managerial place at a brokerage enterprise or the potential of a company on a given trade. He elements out a different note, covered, that could imply a covered or hedged position, or specially used when discussing alternatives trading. three. The identical idea will also be said in other ways. As with a similar notice having diverse meanings, so too do terms that use the words. particularly, Walck says that alternate options writers, options agents, and going to short an alternative contract could categorical the identical thought. once more, he warns, the examine is written by means of a committee so each writer may additionally use his or her personal terminology it is distinct than someone else on the committee however capacity the same issue. four. This isnt a math check, but you'll want to be aware of these three formulation. For those in the securities company who are stronger at math than other areas, this isnt their examine to shine. This verify makes a speciality of analyzing comprehension, Walck says, and there should be few math complications on the examination. 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Walck says the examine taker need to define the statistics and exhibit that they have in mind the conception. for this reason the answer would consist of: The records are 1) hawkish potential rising costs, 2) rising charges translate to decrease future bond fees according to the inverse relationship between yield and price, and 3) brief-time period bonds may be harm less via rising charges because of their lesser relative cost volatility when in comparison to long-time period issues. remember, maturity magnifies the rate circulation. an extra illustration of a questions might be a description of a consumer, together with age, job, income and possibility tolerance, and the verify taker would have to verify the applicable debt safety recommendation. This skill a student has to have a firm hold close of the relative protection profile and tax popularity of each debt instrument, Walck notes. as an example, excessive earners might be instructed toward municipals dues to tax-free status, whereas extra chance-averse traders can be at an advantage with Treasuries because of default-free fame. related on ThinkAdvisor: While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. make it sure to serve its clients best to its resources with respect to exam dumps update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. We never compromise on our review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. 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