Financial Advisors & Planners
No matter what your goals are, you will be pleased to find that Citigold empowers you towards achieving them. Our Citigold Relationship Management team of professional financial and investment advisors are highly trained with the knowledge and experience to partner you along your financial journey. Start a conversation with our financial advisors today to discover how we can help you achieve your investment goals in the financial hub of Singapore.
Citigold is fully committed to working in partnership with you to ensure that all your financial needs are taken care of. Apart from a dedicated Citigold Relationship Manager and Assistant Relationship Manager, you will also have access to a team of product specialists, including Treasury Services Managers and Mortgage Specialists who are committed to helping you leverage on our extensive range of wealth management products and services.
Our financial planning expertise can help give you the edge in building your wealth in a well-structured manner. Using tools and methodologies that are both thorough and detailed, we help you derive financial strategies that are not only based on your particular needs, but also customized to achieve your financial goals effectively.
Diversification is a risk management method of combining a variety of investments within a portfolio. The objective aims to achieve potentially higher returns with lower risk by spreading funds across various investments as opposed to holding a single investment over a medium to long period. A well-diversified portfolio is potentially better equipped to navigate market volatilities over time.
Created in house by Citi, the Citigold Diversification Index (CDI) aims to provide you with greater insights to the diversification level of your investments. A higher index indicates a higher level of diversification in your portfolio. Knowing your diversification level will allow you to make more informed decisions towards achieving your financial goals1.
As an investor, you would have a well-conceived and personalized wealth management plan with defined long-term goals. Over time, market conditions as well as your own financial circumstances may evolve. You may have a Gold Standard Conversation2 with your Citigold Relationship Manager to align your portfolio3 with current market conditions.
The information herein is provided for general reference only. Whilst every effort is made to ensure that the information herein is current and accurate, Citibank Singapore Limited, Citibank N.A., Citigroup Inc., or any of their affiliates unless specifically stated, do not warrant, nor do they accept any responsibility or liability for the accuracy or completeness of the content or for any loss which may arise from reliance on the information contained herein. Various levels indicated for CDI, AAI and PHI ("Low", "Medium", or "High") have been arrived at based on Citi's in house assessment.
CDI, AAI and PHI are terms which have been created by Citibank Consumer Bank Group in Asia Pacific for the purpose of informing customers on the diversification level of their investment portfolio. These are tools used by Citibank for the stated purpose and have not been based on empirical evidence, and do not adopt any established tools or methodology.
MODEL PORTFOLIO
By receiving this document, you acknowledge and agree that the “Model Portfolio(s)” referred to in this document are merely illustrations of recommended asset allocations based on your risk profile and investment objectives. “Model Portfolio(s)” are not personalized to your specific investment needs. “Model Portfolio(s)” are arrived at and are provided to you without having regard to any underlying investments which you may have. You further acknowledge and agree that these “Model Portfolio(s)” are provided at a specific point in time and will not be actively updated by Citibank. Citibank does not undertake to, and is not obliged to, undertake a review, manage or monitor your investment holdings or to track your investment holdings against any “Model Portfolio”. You also acknowledge and agree that no investment advisory or fund management services are being provided to you by virtue of the provision of “Model Portfolio(s)” and that you will be solely responsible for your own decisions on transactions on investments.
GENERAL PORTFOLIO DIVERSIFICATION
Portfolio diversification is an important consideration when making investment decisions. Concentrated positions may entail greater risks than a diversified portfolio. Certain factors that affect the assessment of whether your overall investment portfolio is sufficiently diversified may not be evident from a review of only your account with Citibank. It is important that you carefully review your entire investment portfolio to ensure that it meets your investment goals and is within your risk tolerance, including your objectives for asset and issuer diversification. To discuss your asset allocations and potential strategies to reduce the risk and/or volatility of a concentrated position, please contact your Relationship Manager.
This is neither an offer nor solicitation to purchase or sell any security, other investment or service or to attract any funds or deposits. This document does not constitute the distribution of any information by any one in any jurisdiction in which such distribution is not authorized or to any person to whom it is unlawful to distribute such document.
The decision whether to take any actions on the basis of the CDI is solely based on your own judgment and evaluation of the investment product(s). You are solely responsible for making your own independent investigation and appraisal of all investment product(s) and you are responsible for fully understanding and familiarizing yourself with all the terms and conditions of any investment product(s) and the risks involved.
The term "Portfolio(s)" referred to in this document are merely references to illustrations of asset allocations in general and are not personalized to your specific investment needs. Your individual investment holding(s) will not be actively monitored by Citibank Singapore Limited and Citibank Singapore Limited does not undertake to, and is not obliged to, undertake a review, manage or monitor your investment holding(s) or to track your investment holding(s).
The Gold Standard Conversation is provided by Citibank Singapore Limited. It is a utility for facilitating discussion on your investment portfolio and does not constitute any offer or solicitation of products or services. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary when making your investment decision.
In no event will Citibank, Citigroup Inc., or its affiliates or subsidiaries (collectively, "Citigroup"), be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with the discussion or any third party information or material provided or use thereof or inability to use by any party, or in connection with any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Citigroup, or representatives thereof, are advised of the possibility of such damages, losses or expenses.
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.
The term "Portfolio(s)" referred to in this brochure are merely references to illustrations of asset allocations in general and are not personalized to your specific investment needs. Your individual investment holding(s) will not be actively monitored by Citibank Singapore Limited and Citibank Singapore Limited does not undertake to, and is not obliged to, undertake a review, manage or monitor your investment holding(s) or to track your investment holding(s).