Investment Advisory Services

to help you build on your success

Introducing a wealth management service to help you build upon your success.

Citigold Private Client is a unique banking relationship created specifically for those with US$1 million and more invested with Citibank.

We’ve combined the products, ideas and insights of Citi Private Bank with the scale and services of Citigold to produce a business that combines the insights of a global powerhouse with the convenience of a top local bank.

When you start a relationship with us, you will receive the time, attention and knowledge of an expert team, led by a hand-picked Citigold Private Client Banker. That team will bring to you a broader range of research, advice and products that you would expect from a private bank — such as advice on direct equities and bonds, trading opportunities and insights and access to separately-managed and discretionary accounts — with the convenience, service and local distribution you would expect from Citi. All in a business dedicated to people like you, with $1 to 10 million to invest with us.

With our wealth of local and global products, we’ll create solutions that are customised to achieve your wealth management goals. Surely, it’s the least your hard-earned wealth deserves.

Your personal wealth is worth millions. Is your bank treating it with the value it deserves?

At Citigold Private Client, we believe serious wealth demands serious management. As wealth becomes more substantial, a rigorous and disciplined approach becomes essential.

Every bank will pay lip service to a disciplined approach to investment over the investment cycle. In practice, the results can be mixed. All too often our investments are a collection of positions, built up over time with little cohesion or strategy.

At Citigold Private Client, we provide the team, the insights, the tools, the process and the products you need to make a disciplined approach to your wealth a reality.

This brochure lays out our approach to the investment life-cycle. But the best way to experience our approach in practice is in a face-to-face conversation with your Citigold Private Client Banker.

Citi’s Investment Lifecycle.

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At Citigold Private Client, your dedicated Citigold Private Client Banker leads an experienced group of specialists.

These include financial consultants, treasury specialists, insurance specialists and business bankers, who are all located on-site. Additionally, they have immediate access to regional and global teams in areas such as trust services, trade, insurance and investment banking.

Your Citigold Private Client Banker is a hand-picked and experienced Citi banker, trained and certified to high standards of professional skill, with substantial experience in banking and investment.

You also have an assistant or Citigold Private Client Banker assigned to your account, to ensure you have immediate personal access to service.

The treasury specialist offers insights into currencies and commodities, and access to money markets. The insurance specialist is an expert in ensuring you have adequate protection for the unforeseen events in life.

You understand the value of expertise. Well, so do we.

Business bankers from Citi’s commercial bank are located on-site to assist as required with business banking services such as corporate accounts, cash management and trade finance. They also have access to business and investment banking capabilities through specialised units.

Mortgage and property lending specialists are also available for consultation and advice as required. Your relationship team can draw upon a pool of expertise in the establishment and operation of simple trusts, foundations and private investment companies through referrals to our specialised trustee unit. Your relationship team also includes an assigned financial consultant, who can be made available to qualified clients through our partnership with Citigroup Global Markets Inc. and its local affiliate. Your financial consultant offers you access to a wide range of equity-related knowledge and research, and to multiple equity markets including Asia, Japan, US and Europe and developing countries.

Your financial consultant also offers an array of separately-managed accounts and discretionary portfolio services sourced from best-of-breed providers globally.

All of this expertise in one place enables us to work with you to understand your total financial situation, not just those assets you have entrusted to Citi. We assess your appetite for risk and return, and your knowledge and experience in investments, to ensure that your strategy aligns with your needs.

Through direct discussions with you, our experienced relationship team will gain a thorough understanding of your investment portfolio and financial objectives. This ensures that the advice and recommendations are tailored to your individual portfolio strategy — a mark of our personalised service and dedication.

• A Citigold Private Client Banker supported by a dedicated team of global and regional specialists

• Expertise from a wide range of specialisations including equity, fixed income, treasury, trade, insurance and business banking

• Personal advice tailored to your individual portfolio strategy

at a glance

At Citigold Private Client, you will be privy to up-to-the-minute information and the most thorough research that spans all investment sectors and continents.

Your relationship team will tap into these findings to identify key insights that can guide your financial investment decision-making. By making informed choices, you are in a better situation to capitalise on opportunities whenever and wherever they arise. This allows you to benefit from something truly invaluable: the assurance that you are making the right decisions.

• Macro-economic and strategic research• Global investment research across multiple

asset classes• Thematic medium to long-term

investment trends

The difference between a decision and a profitable decision?

Access to insights.

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at a glance

When your wealth has grown to a substantial level, you are always invested in the markets, regardless of conditions.

That’s why, at Citigold Private Client, we strive to help you maximise your returns and manage risk across your portfolio, regardless of prevailing market conditions. This is achieved by devising a strategic portfolio drawing on multiple asset classes — from cash and deposits to managed funds and structures, direct equities and bonds, currencies and commodities as well as alternative investments.

Model PortfoliosCiti regularly draws on the detailed macro-economic and strategic research output of Citi’s independent research arm, Citi Investment Research, to formulate a global perspective on investment markets through its Global Investment Committee. Its global model portfolios — tailored for specific levels of risk — are the foundation for all client portfolio recommendations within Citi’s investment businesses worldwide, progressively adjusted for local conditions and specific client circumstances.

When is a good time to invest? With a well-diversified portfolio, anytime.

Drawing on regional and local market research and market intelligence, your relationship team will assist you to fashion an individual investment strategy tailored to your investment objectives.

Your relationship team has expertise in all major asset classes — cash, currencies and commodities, fixed income, equities, alternative investments and property — to work with you to construct a disciplined asset allocation strategy for your investment needs.

Your team can provide access to these asset classes directly — through purchase of securities like shares or bonds — or through managed funds and structured products, or through separately managed portfolios. The choice is yours. The extraordinary breadth of products available to you as a Citigold Private Client means your portfolio can be constructed to meet your every need.

When your investments are substantial, it becomes essential to build a focused portfolio that is self-sustaining. The result? You pursue your investment objectives with a greater degree of confidence in both times of volatility and of opportunity.

• Model portfolios for varying risk profiles and multiple markets• Access to multiple asset classes• Portfolio structuring and re-balancing to optimise

long-term outcomes• Access to a dedicated independent portfolio counsellor

at a glance

Only the best financial products appear in the Citigold Private Client selection of offerings. From equity investments to mutual funds, each one is hand-picked by our forward-thinking panel of experts to enhance your portfolio.

Our ‘open platform’ approach means that we select the best products for your needs, regardless of their source.

Citi’s rigorous product selection process involves a detailed assessment of the strengths, weaknesses and value of many thousands of investment and banking products, and of market securities such as shares and bonds. We assess the historic and expected levels of risk and return, and other characteristics of the product, to decide its suitability for particular kinds of clients.

Don’t settle for second best.

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Through this process of selection and review, your relationship team has access to an extensive range of investments, securities and banking services:

• A full range of everyday banking products, including an exclusive credit card

• A full range of transaction, call and term deposits in all major currencies, and a full range of premium deposits

• An expansive range of retail and wholesale managed funds and structured products

• Specialist equities advice, with access to key major exchanges globally

• Advice on, and access to investment-grade bonds and fixed interest in global and regional markets

• Access to separately-managed and discretionary portfolio solutions

• Secured lending against a variety of assets ranging from residential and commercial property, cash and bonds, to equities and managed funds

• Combined solutions for Personal and Business Banking• Trust services• Access to a select range of alternative investments such

as hedge funds, private equity funds and structures

Extensive product range.

Disciplined investing requires regular and up-to-date analysis and evaluation of the market, as well as constant performance tracking of your portfolio benchmarked to model portfolios. Bearing this in mind, we will monitor your portfolio, allowing you to capitalise on market shifts anywhere, anytime to reveal unexpected opportunities. This gives you the assurance that your portfolio will reach its full potential.

Monitoring Tools

As a Citigold Private Client, you would expect flexible, timely and personalised access to valuation and assessment of your investments.

In the hands of your relationship team, Citi’s state of the art portfolio tools — Citi Portfolio Tracker and Citi Planner — can provide you and your relationship team with a clear and objective assessment of the state of your portfolio at any time — online, by printed report, or in person.

There’s no such thing as a lack of opportunities. Only missed opportunities.

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Portfolio Review Process

A disciplined investment approach demands a rigorous process of review at regular intervals, or at any time that your needs or investment circumstances change.

As a Citigold Private Client, you and your relationship team have access to an independent portfolio counsellor, who can step back and take an independent view of your portfolio. The portfolio counsellor can then discuss its performance with you and the relationship team, and recommend changes to improve risk, returns or revise the strategy.

• Disciplined approach to portfolio management with regular and specialised reporting as well as comparisons to model portfolios

• Portfolio view of wealth through unique tools such as Citi Planner• Frequent reviews for a better understanding of your investment goals• Access to an independent portfolio counsellor for regular review

and recommendations

Now that your wealth has grown to take on a life of its own, it is time to take a disciplined approach to managing it.

With our full suite of retail and business banking products, we’ll design financial solutions that are customised specifically for you. Citigold Private Client: It’s what your hard earned wealth deserves.

• Access to an unparalleled breadth of differentiated, sophisticated products

• An expert team led by a Citigold Private Client Banker• Wealth management, personal and business banking

Portfolio Review

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at a glance