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| Home>Investments>Getting Started with Investments |
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| Are you looking for the best way to use your funds? Would you like to protect your money against inflation and earn a return on it? Citibank is your ideal partner. We can design an appropriate investment strategy for every investor based on a detailed analysis of their needs, current financial situation, and their knowledge of retail investment products offered by Citibank. |
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| We get to know the needs and goals of the investor |
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| Before we start helping people invest, we need to fully understand their investment goals, financial resources, and risk attitude, as well as their knowledge of and experience with the various investment tools. |
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| To do so, we use the Profiling Form. By filling it in, investors take their first steps in the world of investing with Citibank. |
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| In the questionnaire, investors answer questions relating to: |
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- their risk attitude (or risk tolerance)
- their ability to take risks (or risk capacity)
- their expertise and experience in the investment field
- and, not least, their financial background
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| We provide investors with information on suitable investment instruments |
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| Based on the information provided and as part of its investment advisory service, Citibank evaluates which investment instruments are suitable for that investor from a risk tolerance and capacity perspective or reasonable with relation to their expertise and experience in the field of investment. |
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| Citibank offers two kinds of investment accounts: |
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- An account with investment advisory service (Advisory Account Relationship), offered to the investor if, during the profiling stage, he or she shares with Citibank all necessary information concerning his or her financial situation, investment goals, risk tolerance, and knowledge of and experience in the investment field.
- An account without investment advisory service (Non-Advisory Account Relationship), offered to the investor if he or she rejects the profile created or does not provide Citibank with all the relevant information, or refuses the profiling process as such and answers only those questions concerning his or her knowledge and experience.
- Citibank will not open an investment account for clients who do not share information required in the profiling stage - at least information about their knowledge of and experience with investment instruments.
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| Investment advisory services are provided by Citibank as one-off recommendations, which always refer exclusively to a single instruction and an investment service. |
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| Investor classification |
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| In the customer classification based on legislative requirements (MiFID), Citibank considers all of its investment clients as non-professional investors and provides them with the widest possible range of investor protection. Beyond this protection, Citibank has adopted very strict internal rules for investment services. Based on these rules, Citibank can offer the investor only an investment product that is suitable for him or her and for which the investor has sufficient knowledge and experience. At the same time, Citibank will not allow the investor to buy an investment instrument for which he or she has insufficient knowledge and/or experience as revealed in the profiling. |
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| Notice |
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| Important notice |
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| Investment instruments are not bank deposits and are insured neither by any governmental institution nor by the Deposit Insurance Fund. They do not represent liabilities of and are not in any way guaranteed or insured by Citibank Europe plc, Citigroup Inc, or by any affiliated company directly or indirectly controlled by Citigroup Inc, unless expressly stated otherwise under a valid statute/prospectus or other binding constitutive document specifying terms and conditions for a particular investment instrument. Investment instruments are subject to investment risks and entail the risk of possible loss, including the risk of loss of the invested principal. Past or expected returns or performance of an investment instrument are neither a guarantee nor a reliable indicator of future income. The value of investment instruments can go up and down. The return of principal invested in investment instruments is not guaranteed, and expected or possible income on investment instruments is not guaranteed. Investment instruments may be subject to currency or foreign exchange fluctuations, including the risk of loss of the invested principal. This is not an exhaustive list of risks –please contact your personal banker for more information. |
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| Investment services provided by Citibank Europe plc through its branch located in the Czech Republic are provided exclusively in this territory, and generally only to tax-paying residents of the Czech Republic (within the meaning of the provisions of Section 2 of Act 586/1992 Coll., on income tax, as amended). |
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| Investment instruments must not be offered to individual persons of: |
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- The United States (U.S. Persons) which means: citizens of the U.S. or holders of U.S green cards or residents of the U.S. for the purposes of federal income tax assessment.
- Ireland (Irish Persons) which means citizens of Ireland or residents of Ireland for the purposes of income tax assessment, who are physically present in the territory of Ireland when submitting the instruction for subscription/redemption/switch of investment instruments distributed by Citibank Europe plc. Citibank is not allowed to accept from citizens of Ireland any instructions for subscription/redemption/switch of collective investing securities domiciled in Ireland.
- Australia (Australian Persons) which means citizens of Australia who are physically present in the territory of Australia when submitting the instruction for subscription/redemption/switch of investment instruments distributed by Citibank Europe plc.
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| In case of any diescrepancies between Czech and English version of the web pages, Czech version prevails. |
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