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Your investment portfolio options
As a Citigold Customer, you can expect superior value and high standard of products. All our products are designed to suit your needs , give you and your finances the attention you deserve. Be it banking, credit, investments, insurance or retirement plans, we manage everything for you in one place, in the most convenient way.
Features
1. Structured Notes
Structured notes are financial instruments, specially designed to take advantage of market opportunities. These products are usually structured along defined themes and are normally denominated in US Dollar, Euro and British Pound.
Most Structured Notes have standard parameters of principal protection while return potential is linked either to the performance of an underlying index such as Dow Jones, NASDAQ or LIBOR or a basket of stocks. Hence, when you invest in a structured Note, you may get: (a) Principal Protection and (b) Returns linked to the performance of an underlying market parameter.
2. Fixed Income Securities
Fixed Income Securities are ideal for investors who want a regular income through coupon payment, as well as for investors looking for an opportunity for capital appreciation through the sale of securities before maturity if the price moves up. You can choose from a vast selection of Fixed Income Securities with a variety of credit quality characteristics, maturities and yields to meet your individual objectives.
3. Mutual Funds
As a Citibank customer, you can choose from a variety of Mutual Funds and alternate investment options. These funds are selected to suit a variety of investment objectives and risk profiles. You can select funds across diverse asset classes, including US Equities, Emerging Market Equities, Global Equities, Global Bonds, High Yield Bonds, Money Market Funds, Shariah Compliant Islamic Equities, Real Estate Equities, Middle East Equities and many more. You have a wide range of mutual funds from some of the most reputed investment houses such as Alliance Bernstein, Blackrock, DWS, Fidelity, Franklin Templeton, Invesco, ING, JP Morgan, MFS, Permal, Pioneer and Schroders.
4. Islamic Investment options
If you are seeking Shariah compliant investments, we have a comprehensive range of products to meet your needs:
  • Shariah compliant Mutual funds
  • Capital Protected Shariah compliant structure notes
  • Ability to make available Sukuks as per your requirements
5. Citibank Financial Planning Services
  • Children's Education Plans
  • Retirement Plans
  • Wealth Accumulation Plans
  • Protection Plan
To discuss how these products might fit in your portfolio; stop by your nearest Citibank branch to speak with a registered Wealth Management Consultant
Many different types of funds are available to meet your needs :
Because the choice of mutual funds mirrors the financial market place, you can find virtually any kind of investment. Here are brief descriptions of the major fund categories.
Stock Funds
Stock Funds invest in the stocks of various types of companies. Traditionally, stocks have kept pace with the economy and represent your best protection against inflation. Some stock funds, such as growth, aggressive growth and value funds are based on a specific investment strategy. Others, such as small cap, mid cap, large cap and blue chip, choose securities determined by the size or financial status of the selected companies. Index funds are funds that attempt to replicate the composition of industry benchmarks, such as the S&P 500.
Bond Funds
Bond Funds seek to deliver steady income from a portfolio of bonds. Because of the added risk from price fluctuation inherent in longer-term bonds, yields vary based on the term of the bonds in the fund's portfolio. Short-term bond funds are considered safer, but tend to pay lower yields than riskier long-term bond funds. Intermediate bond funds offer higher returns than short-term bond funds with less risk than longer-term bond funds.
Hybrid Funds
Hybrid Funds combine different types of securities in one fund to meet varying objectives. For instance, a growth and income fund might invest in both stocks and bonds.
Asset Allocation Funds
Asset Allocation Funds combine securities from different asset classes in varying proportions to help manage different levels of risk and return. An example of this type is CitiSelect Portfolios, a family of mutual funds available exclusively through Citibank. Each portfolio invests in a different mix of stocks, bonds and cash in seeking different investment objectives.
International and Global Funds
These funds invest in securities issued in other countries. International funds invest only in foreign securities, while global funds invest in both foreign and U.S. securities. Many other mutual funds of all types may invest a certain percentage of their portfolio in international investments. Investors should see the risk factors section in the fund's prospectus for details regarding international investing.
Money Market Funds
Unlike all other types of mutual funds whose share prices fluctuate, money market funds attempt to maintain a stable share price of $1. To try to accomplish this, they invest in very short-term securities and commercial paper, which have less price fluctuation. Money market funds are intended as a parking place for money between investments and a place to maintain cash reserves. Over the long term, they do not keep pace with inflation. Different types of money market funds invest in taxable, tax exempt and U.S. Government securities. While money market mutual fund managers strive to maintain a stable net-asset value, the funds are not federally insured and there is no guarantee that a stable net-asset value will be maintained.
For more complete information on mutual funds, including sales and distribution charges and other expenses, ask for a prospectus. Please read it carefully before you invest or send money.
Disclaimer
Investment Products: This website does not constitute any offer or solicitation to buy or sell. Investors should refer to the relevant offering document(s) for detailed information and applicable Terms and Conditions prior to subscription. Investment products are not bank deposits or obligations or guaranteed by Citibank N.A. Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and treasury products are subject to investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors' home currency. Investment and treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not provide legal and/or tax advice and are not responsible for advising him/her on the laws pertaining to his/her transaction.
Deposit/Interest rates : Deposit/interest rates are subject to change from time to time and with prior notice. Citibank Terms and Conditions apply and are subject to change with prior notice. They are available upon request and on the website. Citibank holds the right to refuse a deposit booking order from anyone at its sole discretion. For all products, special Terms and Conditions apply and these are available on request and are subject to change. All obligations under the products offered are payable solely at and by Citibank N.A. Bahrain Branch, subject to the laws of Bahrain (including any governmental actions, orders, decrees and regulations).
For all products, services, benefits, special Terms and Conditions apply, are subject to change with prior notice and are available upon request.
Off Shore Wealth Services for Non Residents
If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her banking activities are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. It is also imperative that customers keep their relationship managers informed in the event of such changes.
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