20 вопросов и ответом на английском для интервью в сфере финансов и бирж для практики на занятии с нашим репетитором

Q: Walk me through how you build a portfolio for a VIP client.

A: “Start with goals, risk tolerance, liquidity needs, and tax constraints. Map those to a strategic asset allocation, add tactical tilts only when justified, and document rebalancing rules and downside limits.”

Q: How do you explain risk to a non-technical client?

A: “I translate volatility into outcomes: ‘In a typical year the portfolio may move ±X%.’ I use scenarios, not jargon, and link risk to goals and time horizon.”

Q: Markets are down 5% today and your client wants to sell everything. What do you do?

A: “Acknowledge emotions, review the plan, show drawdown history and recovery times, propose a protective step (e.g., partial de-risking or hedges), and schedule a quick follow-up.”

Q: What’s your rebalancing approach?

A: “Threshold-based (e.g., ±20% band around target weights) with a quarterly review. I consider tax lots and trading costs and prefer cash flows to reduce turnover.”

Q: How do you manage FX risk for Latin America clients with USD portfolios?

A: “Begin with natural hedges (USD income/expenses). If needed, use forwards to hedge a portion of exposure, ladder maturities, and monitor carry and basis.”

Q: How do you choose between active and passive funds?

A: “Use passive for efficient, liquid markets; deploy active where there’s persistent dispersion and proven manager alpha net of fees and tracking error.”

Q: Explain duration and why it matters now.

A: “Duration estimates price sensitivity to rate changes. With rate volatility elevated, matching duration to the client’s horizon and using barbell/ladder structures can improve resilience.”

Q: A client asks for a 12% return with low risk. How do you respond?

A: “Align expectations with the efficient frontier. Show historical risk/return trade-offs and propose a core outcome (e.g., CPI + 3–4%) with optional satellite risk for upside.”

Q: How do you evaluate a private deal pitched by a partner?

A: “Independent diligence: sponsor track record, strategy edge, fees, liquidity, legal terms, key risks. I require alignment of interests and stress tests before any recommendation.”

Q: What’s your process for suitability and KYC/AML?

A: “Document objectives, risk profile, source of funds/wealth, and constraints; verify identity and sanctions screening; monitor transactions for anomalies and update files periodically.”

Q: How do you prepare an investment proposal vs. a commercial offer?

A: “Proposal: strategy, allocation, risks, and implementation plan. Offer: time-bound commercial terms (fee waiver, onboarding support). I present both, clearly separated.”

Q: How do you measure performance beyond absolute return?

A: “Use time-weighted returns, risk-adjusted metrics (Sharpe, Sortino), drawdown, tracking error vs. policy, and attribution by asset class and manager.”

Q: A fund underperforms for 4 quarters. Replace or retain?

A: “Check style headwinds, process drift, team changes, and fees. If thesis intact and underperformance is style-related, retain with a watchlist; otherwise rotate with a transition plan.”

Q: When would you use options for a client?

A: “Protective puts during event risk, covered calls for income in range-bound markets, and collars to cap downside while financing protection.”

Q: How do you handle illiquid assets in a VIP portfolio?

A: “Cap illiquids by a client-specific limit, stage commitments, keep a liquidity buffer for calls, and stress for delayed exits.”

Q: How do you communicate fees transparently?

A: “Break out advisory, product, custody, and trading costs in dollars and percentages, compare to peers, and show the net-of-fee impact on long-term goals.”

Q: What’s your approach to ESG or values-based constraints?

A: “Start with the client’s values and materiality, choose exclusions or best-in-class screens, and report impact alongside performance.”

Q: Describe a tough client conversation and outcome.

A: “A client wanted to time the market. I used a ‘what-if’ analysis showing missed-best-days cost; we agreed on a staged deployment with volatility guards. The plan stayed on track.”

Q: How do you coordinate across time zones and teams?

A: “Clear SLAs, shared CRM notes, agenda-driven calls, and written recaps. I use asynchronous updates for LATAM/US overlap and assign owners to each action.”

Q: Why you for this role?

A: “I combine disciplined portfolio construction, clear client communication in English/Spanish/Portuguese, and a compliance-first mindset. My focus is lifetime client value, not one-off sales.”