Mutual funds/unit trusts offer many attractive benefits. Because they invest your money in a variety of securities, you enjoy diversification of your investment, which helps manage risk. And they also provide liquidity, which means you can redeem your shares at any time.

• Unique Advantages of Mutual Funds/Unit Trusts
• Six Action Steps for Investing
• Frequently Asked Questions (FAQ)

The unique advantages of mutual funds/unit trusts:

Diversification: By spreading your money among different investments, you can reduce risk. So you don’t put all your eggs in one basket.

Potential Growth: Investing in a mutual fund/unit trust gives you the potential for higher long-term earnings than if you invest in conventional savings vehicles. The potential growth is largely determined by the type of mutual fund/unit trust you choose, its performance, the performance of the underlying markets and your investment time frame.

Liquidity: Most mutual funds/unit trusts are "liquid," which means you can redeem your shares at any time.

Professional Management: Your investments are managed by professional investment managers. This takes the worry out of the day-to-day decision to buy or sell an investment - the investment manager does it all for you.

Convenience : Mutual funds/unit trusts are a simple and hassle-free way to invest. There is no need to handle the abundance of paperwork usually associated with investing. It is also easy to monitor the value of one fund, rather than many different stock prices.

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Six action steps for investing

Step 1: Keep your investment goal in mind. Determine how long you intend to hold an investment.

Step 2: Work with Citibank. We will guide you through Your Personal Investment Worksheet.

Step 3: Invest wisely, using the principles of diversification and asset allocation.

Step 4: Follow a consistent investment strategy. Don’t try to time the market; invest for the long term.

Step 5: Invest regularly to fund your investment goal, despite changes in your situation.

Step 6: Review your investment situation annually with Citibank , to make sure your investments match your goals.

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