Advisory Advisory

Financial Advisory Service

Supporting you at every step of your wealth journey.

THE GOLD CONVERSATION

Understanding you and your financial needs

Your dedicated Citigold® Relationship Manager puts you and your needs at the heart of the Gold Conversation. The Gold Conversation is designed to provide your Relationship Manager with a comprehensive understanding of your current financial position, goals and needs, before determining the most suitable investment portfolio for you.

Understanding you and your financial needs
Understanding you and your financial needs

ANALYSIS

Build your Wealth Portfolio

The Citigold Total Wealth Advisory Services (TWA) is our latest in-house developed, goal-based, financial advisory tool. It enables you to set, review and manage all your investment plans in one place. It provides a real-time picture of your financial situation, global investments and analyses how your portfolio value changes over time and the likelihood of achieving your life goals.

Build your Wealth Portfolio
Build your Wealth Portfolio
Custom design and structure your portfolio around specific goals
Track the progress of your goals and achievements anytime, anywhere
Track your profit and loss at a glance with a simple and clear report of the actual performance

REVIEW

The importance of Portfolio Diversification

Your Relationship Manager can determine the diversification level of your existing investments by using our in-house Citigold Diversification Index (CDI) tool. Diversification helps to achieve potentially higher returns with lower risk by spreading your portfolio across various investments products as opposed to holding a single investment. A well-diversified portfolio will navigate market volatilities with ease.

The importance of Portfolio Diversification
The importance of Portfolio Diversification
  1. The hypothetical examples in this material are for illustration purposes only and the sequence of illustrative graphs may not be in order. Also, the terminologies used may vary from the real circumstances.
  2. The investment product risk level must be less than or equal to the risk profile of the client taken from the Investment Risk Profile Questionnaire.
  3. The Projected Goal Achievement is the Projected Portfolio Value divided by the Required Fund. The Projected Portfolio Value is based on the 5 parameters input by the client and together with the projected return of the selected Citi Model Portfolio assigned to the goal defined in the goal creation stage or the performance of the asset class allocated to the goal. The Estimated Goal Status may vary due to change of 5 parameters input by clients, the projected return of the Citi Model Portfolio or the performance of the asset class allocated to the goal. The projected return of Citi Model Portfolio is calculated from the historical return of the past 5 years. It may go up or down. The performance of the asset class is an average return of the products under the same asset class. The projected return may vary due to market fluctuation and unexpected external factor. The historical performance of the asset class is for illustration purposes only and not an indication of future returns. It may go up and down.

Important Disclaimer:

This material is for information only and is not intended to constitute any offer or solicitation to buy or sell. Investors should refer to the relevant offering documents for detailed information prior to subscription. Investments are not bank deposits and involve risks, including the possible loss of the principal amount invested. Investors investing in investments denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Investment prices may go down as well as up. Unless specified, these investments are not obligations of, guaranteed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries, or by any local governmental or insurance agency. Investment Services are not eligible for U.S. persons and might only be applicable to limited jurisdiction. You should seek advice from your professional advisors as to your particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products.

Total Wealth Advisor is not a program or offering, but is a tool to recommend diversification that is meant for reference purposes only. Total Wealth Advisor is: (i) not binding on part of the client; (ii) not monitored by Citibank with respect to client's individual investment holdings. It is important to note that while recommendations based on Total Wealth Advisor represent our best thinking in terms of asset allocation and diversification, they serve only as a guideline for investors based on certain risk profiles. Market movements, changing market views, time horizons and liquidity constraints (among others) may result in your portfolio's asset allocation deviating from the model allocation.

Portfolio diversification is an important element for an investor to consider 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 therefore 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 personal banker/relationship manager.

The English version of these Terms & Conditions shall prevail wherever there is a discrepancy between the English & Chinese versions.