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Asset Allocation

Asset allocation has a profound effect on the performance you can expect from your investment portfolio over time. This sophisticated form of diversification can help maximize your returns while managing your exposure to risk.

Asset Allocation
The distribution ratio of different asset classes in a portfolio can affect performance more than any other factor.

One study found that asset allocation can account for over 90% of a portfolio's performance.* Market timing (buying and selling an investment at the most favorable time) and selection of individual securities can account for less than 10% of a portfolio's performance.

Institutional investors have used asset allocation for years. Let us help you put it to work to help you increase your investment potential.

We strive to help you maximize your potential returns and manage your risk by using a proprietary asset allocation model. This model combines different types of stocks, bonds and cash instruments in varying ratios, depending on your tolerance for risk.

Citibank utilizes five asset allocation models which range from the most conservative to more aggressive. A tax-advantaged version of each model is available if your Plan indicates that you would benefit from tax-free investment income. We've adapted each model to meet the needs of investors in high and low tax brackets.

Based on our analysis of your situation, we will recommend an asset allocation model which includes some or all of the following asset categories: large company, small company and international stocks; long-term, intermediate-term, international and municipal bonds; and one or more cash instruments.

Our asset allocation models will help us create a Personal Investment Plan that's designed just for you.

* Based on a study by Brinson, Singer and Beebower entitled "Determinants of Portfolio Performance II: An Update," published in May/June 1991 Financial Analysts Journal. Speak with an Investment Consultant for details.



For more information call on our 24-Hour CitiPhone Service at 1758 2484 (CITI).

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