• Why invest in Investment Funds?
  
• When's a good time to invest?
  
• Why invest in funds through Citibank?
  
• Investment strategies
• FAQ

Why invest in Investment Funds?
We are all aware of the long-term benefits of investing in equities. Over the long term, it provides higher returns than bonds and other investments, like deposits.

Source: Micropal (Past performance is not indicative of future results)
Returns in USD. Dividend reinvested
Proxies: Cash-US Treasury Bill Index; Golbal Bonds- Salomon Brothers World Government USD Index; Global Equities- MSCI World Gross Index

Investing into individual stocks is often seen as a difficult and complicated task. Many investors worry that they lack the experience to make a sound tactical decision. That is precisely why they should turn to Investment Funds.

Investment Funds are cost-effective financial instruments with the following benefits:

• Professional management
  Investment Funds are managed by professionals who work full-time analyzing potential investments. Their research includes in-depth analyses of the markets and individual financial instruments for investment.
  
  
• Diversification
  By pooling your money with other investors, the fund manager is able to invest in various financial instruments they believe will help achieve their fund's financial objectives. You enjoy the benefits of diversification as you actually spread your investment and risk across a larger number of securities, than if you were to invest in a specific investment.
  
  
• Convenience
  Investment Funds are a simple and hassle-free way to invest. You do not need to handle the large amount of paper work usually associated with investing in individual securities. It is also easier to monitor the value of one fund instead of a large number of individual stocks and bonds.

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When is a good time to invest?

• Don't time the market; it is the time in the market that matters.
  
  
• History shows that the average recovery period of each market crash is less than 3 years and the re-gain is more than the percentage dropped.
  
  
• A good way to ensure that you "buy low and sell high" is to use Dollar Cost Averaging. The idea is to invest the same amount of money on a regular basis in Investment Funds. This means that you buy more units when the market is down than when it is up. Over time, you are likely to make a profit while insulating yourself from market swings.

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Why invest in Investment Funds through Citibank?

The answer lies in our Product and our People.

Product

• We offer a wide range of worldwide funds:
  
  a) Equity Funds:
  
  • By country / region - global, Europe, Asia, Japan, Singapore, North America, Emerging Markets
    
    
  • By theme - telecommunication & technology, life & health sciences, financial services, industries, gold & mining
  
  b) Bond Funds - global, US and Europe
  
  
• A hassle-free, professionally-managed portfolio
  
  • A range of funds to suit individual investor profiles and tolerance for risk.
    
  • Professionally-managed portfolios designed specially for those who want to maximize their potential returns, who can accept some risk of capital loss but may be unsure on what is the best way to go about investing. These portfolios are designed for those who don't want to worry, or who can't spare the time that managing investments so often involves.
    
  • Portfolios that suit the different investment needs that people commonly have; whether you are seeking for:
    
    • Income accumulation
      
    • Capital appreciation, through global allocation in various equity markets around the world
      
    • Investments which are Asia-tilt
      
      
• Choice of funds denominated in different currencies
  
  
• Chance to invest in overseas markets with a minimal amount of US$10,000 or equivalent

People

• Our service here is a blend of professionalism and personalization. We recognize that everyone has different financial needs and investment goals. That is why our specialists are not only professionals in knowing the markets, but more importantly, they are experts in understanding you and your financial needs.
  
  
• When you invest with us, you will have not one, but a team of specialists working for you. They include your Relationship Manager, an Investment Consultant and a Treasury Services Officer. Together they will help you make wise investment decisions by providing you with timely information, objective advice and updates on global economies, financial markets and products.

• Dollar Cost Averaging
  This is a long-term strategy, in which, a fixed amount of money is invested on a regular schedule, regardless of market fluctuations. The investor buys more shares of an investment when the price is low and fewer shares when the price is high; the overall cost is lower than it would be if a constant number of shares were bought on a regular schedule.
  
  
• Compounding Interest
  The more you invest early in life, the less you'll need to invest later in order to reach your dream of an active retirement.
  
  Conversely, the longer you wait to invest, the more you'll have to invest, and the more aggressive you'll need to be to realize your dreams; i.e. the more risk you'll have to take.
  
  
• Don't follow the crowd
  
  
• Adopt a long-term investment approach - the power of time can reduce market risk

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*Important:
These investment products are not bank deposits or obligations of or guaranteed by Citibank, N.A., Citigroup, Inc. or any of its affiliates or subsidiaries, and are subject to investment risks, including the possible loss of the principal amount invested.

Past performance is not indicative of future results, prices can go up or down. Investors investing in funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal when foreign currency is converted back to the investors' home currency. Investors should therefore determine whether any foreign currency investment is suitable for them in the light of their personal investment objectives, financial means and risk profile.

This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation.

Investment products are not available to US persons and may not be available in all jurisdictions. In the event of any inconsistencies between the different languages of this document, the English language version shall prevail.