Asset Management Services - Citigold IPB Singapore Asset Management Services - Citigold IPB Singapore Asset Management Services - Citigold IPB Singapore

Wealth Management Solutions

From helping you build your wealth to protecting your assets, our comprehensive suite of world-class products offers solutions for every wealth management objective.

Get Started

At Citigold IPB Singapore, our core strength lies in offering bespoke global wealth management solutions for our valued high net worth clients. We understand that substantial wealth calls for adequate financial planning and asset management services. For that reason, we allocate a dedicated relationship manager and a team of financial experts who will compose wealth strategies that are tailored to your needs.

DEPOSITS

Build your wealth while enjoying peace of mind

Bank seamlessly with a Citibank Interest Checking Account and enjoy the convenience of writing checks and round-the-clock banking across the globe. Here are few more reasons to deposit in an Interest Checking Account:

  • Choice of currencies: SGD and USD.
  • Personal Accounts are available in SGD and USD.
  • Free personalized checkbook.
  • Free Citibank ATM card.
Foreign Currency Time Deposits:

Foreign currency investments are subject to rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert foreign currency back to your home currency. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile. Foreign currency investments are not insured by the Federal Deposit Insurance Corporation.

Deposit Insurance Scheme - Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

S$ Maxisave Account is a SGD interest checking account. If you need an everyday transaction account that is designed to cater for frequent use with the convenience of a checkbook, then a Citibank S$ Maxisave Account is the solution for you. Your Citibank S$ Maxisave Account earns you daily interest at competitive interest rates while you enjoy the convenience of writing checks from your SGD checking account.

  • Earn daily interest at competitive rates on your Citibank Checking Account.
  • Interest on your Citibank S$ Maxisave Account is calculated daily and credited monthly.
  • Choice of currencies: SGD.
  • Individual Account is available in SGD.
  • Free personalized checkbook.
  • 24x7 access to your funds worldwide, via ATM, internet and phone.
  • Free Citibank ATM card.
Foreign Currency Time Deposits:

Foreign currency investments are subject to rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert foreign currency back to your home currency. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile. Foreign currency investments are not insured by the Federal Deposit Insurance Corporation.

Deposit Insurance Scheme - Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

If you need an everyday transaction account that is designed to cater for frequent use with the convenience of a checkbook, then a Citibank US$ Interest Checking Account is the solution for you. Your Citibank US$ Interest Checking Account earns you daily interest at competitive interest rates while you enjoy the convenience of writing checks from your USD checking account.

  • Earn daily interest at competitive rates on your Citibank Checking Account.
  • Interest on your Citibank US$ Interest Checking Account is calculated daily and credited monthly.
  • Choice of currencies: USD.
  • Individual Account is available in USD.
  • Free personalized checkbook.
  • 24x7 access to your funds worldwide, via ATM, internet and phone.
  • Free Citibank ATM card.
Foreign Currency Time Deposits:

Foreign currency investments are subject to rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert foreign currency back to your home currency. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile. Foreign currency investments are not insured by the Federal Deposit Insurance Corporation.

Deposit Insurance Scheme - Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

Diversify your wealth with a Multi Currency Time Deposit and earn potentially higher returns. With a foreign currency fixed deposit account, you have the flexibility to choose from multiple currencies along with varying tenures of 1 week, 1, 2, 3, 4, 6, 9, or 12 months. Open a Multi-Currency Time Deposit account in Singapore and make your money work harder for you.

  • Earn attractive interests with a choice of major currencies: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD and USD.
  • Choice of tenures: 1 week, 1 month, 2, 3, 4, 6, 9, 12 months.
  • Minimum US$50,000 (or equivalent) to establish a time deposit.
  • Unfixed* feature where partial withdrawals are allowed.
  • Automatic rollover facility to ensure your deposits earn interest continuously.
  • Freedom to switch between the 10 currencies with no penalty fees**.
  • Overdraft facility with your deposit as collateral.

*For partial withdrawal, the minimum amount that can be withdrawn is US$5,000 (or equivalent), with at least US$50,000 (or equivalent) to be maintained in your account at all times. For pre-termination of deposit, the Bank reserves the right to charge a penalty fee, which will be deducted from the withdrawn amount.

**You may switch between any of the currencies without penalty, as long as the original maturity date remains or is extended, and under normal market conditions. This feature is not applicable to SGD Time Deposits.

Foreign Currency Time Deposits:

Foreign currency investments are subject to rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert foreign currency back to your home currency. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile. Foreign currency investments are not insured by the Federal Deposit Insurance Corporation.

Deposit Insurance Scheme - Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

Citigold brings you an exclusive Offshore Renminbi (RMB) Deposit Account that invests in the rapidly growing Chinese economy. The RMB Deposit Account Singapore offers competitive interest rates, flexible tenures with a minimum deposit amount of USD50,000 or equivalent. Make the most of international investment opportunities for your wealth by investing in the Offshore RMB Deposit.

  • Participate in the potential appreciation of Renminbi.
  • Diversify your currency holdings.
  • Enjoy attractive interest rate for Time Deposits.
  • Enjoy yield enhancement opportunities by placing CNH into investment products e.g. Bonds or Mutual Funds.
Foreign Currency Time Deposits:

Foreign currency investments are subject to rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert foreign currency back to your home currency. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile. Foreign currency investments are not insured by the Federal Deposit Insurance Corporation.

Deposit Insurance Scheme - Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

The Citigold Debit Mastercard gives you the convenience you need, with exclusive privileges. With it, you can access cash and make purchases both locally and globally.

Enjoy a suite of worldwide privileges whenever you use your Citigold Debit Mastercard.

Learn more >
  • Access your multi-currency wallet of up to 9 different foreign currencies for payments in your selected foreign currency, or overseas ATM withdrawals with no foreign exchange fees+.
  • Shop online with peace of mind, knowing your online purchases are protected against non-fulfillment of services and card fraud.
  • Make everyday purchases quickly and safely at millions of merchants globally.
  • Speed through the checkout process with your contactless-enabled Debit Mastercard.
  • Access to over 2 million ATMs worldwide and enjoy fee-free* cash withdrawals from Citibank ATMs across more than 40 countries.
  • If you need emergency cash while travelling, visit any of our more than 300 Citigold Centres to withdraw up to USD 10,000 fee-free in selected countries from your account.
  • Track and manage your account securely with Citibank Online and Citi Mobile.

Your card opens up a new world of privileges for you to enjoy. Experience special deals, travel offers and much more. Please click here to view your Citigold Debit Mastercard® Activation and Benefits guide.



*No overseas cash withdrawal processing fee from Citibank ATMs using Citibank ATM & Debit Card; prevailing foreign currency exchange rates and currency conversion fees apply. Subjected to a pre-set daily cash withdrawal limit of S$5,000.

+Feature is only applicable to cardholders who link the relevant Citibank Foreign Currency Account(s) to their Citibank Debit Mastercard, and is subject to availability requirements.

In addition to ATM withdrawal functions, your Debit Card also allows you to sign for local and overseas purchases, perform contactless payment via Mastercard® Contactless (including through the use of digital wallets like Citi Pay and Samsung Pay) and card-not-present transactions (such as mail and phone orders) (collectively, "Debit Card Transactions") which shall be paid for by directly deducting the transaction amount from your primary bank account.

Your Debit Card therefore carries the risk of unauthorized signature-based, contactless payment or card not-present transactions. Please note that the default daily limit for these types of Debit Card Transactions is S$2,000 unless revised by you. For replacement card: if you had previously revised your old Debit Card’s daily limit, your new Debit Card daily limit remains the same as your existing daily limit of your old card or the available balance in your primary bank account, whichever is lower. For clarity, this limit is shared between the Debit Card Transactions that you are permitted to effect using your Debit Card. You may choose to increase or decrease this limit upon activation.

In addition, because the magnetic stripe of your Debit Card contains sensitive payment card data, double swiping the magnetic stripe of your Debit Card on Point-of-Sale readers or Electronic Cash Registers may expose it to skimming and/or cloning and hence theft of your sensitive payment card data. To protect your information from being skimmed and/or cloned, it is recommended that the magnetic stripe of your Debit Card is not swiped on Point-of-Sale readers or Electronic Cash Registers.

The use and retention of your Citigold Debit Mastercard is subject to the terms and conditions as set out in the Citibank Banking Terms and Conditions which can be found at www.ipb.citibank.com.sg

EQUITIES / STOCKS

Get attractive income opportunities and high returns with a diversified investment portfolio

Enjoy the full functionality and flexibility of building your stock portfolio with an all-in-one securities trading account. Access easy-to-use tools that give you control and insight.

  • Invest in securities from the major stock exchanges in U.S., Hong Kong and Singapore markets.
  • Flexibility to trade through our easy-to-use trading platform via Citibank Online (online trading), Citi Mobile (mobile trading app). Alternatively, you may place your order with a phone trader via our Phone Trading Hotline.
  • Stay on top of your investments and trading ideas with advance charting tools, research and watch lists.
  • Real-time Stock Quote Services
    Unlimited free real-time stock quote services to view stock prices.
  • Order / Trade Execution Alert Service
    Help you check the order processing status in a timely way.
  • Price Alert Service
    Monitor stock prices, the highest / lowest price over 52 weeks and other criteria. You can choose to receive the alert messages via SMS or email.
  • Stocks Finder
    Pick your ideal stocks using criteria such as industry, trading volume, P/E ratio, earnings per share, etc.
  • Block Trades Record
    Track trading movement of significant investments by picking out stocks with large trade turnover.
  • Reference Charts
    Compare the performance of stocks and indexes through different charts.
  • Comprehensive Market Information
    Leverage real-time international financial markets news.
  • All-in-one Portfolio Overview
    Access average stock purchase prices and keep track of your portfolio's performance.
  • Mobile Trading Service
    Download and logon to the Citi Mobile app with your mobile phone to easily manage transactions and check real-time stock prices.

Securities investments are not bank deposits and involve risks, including the possible loss of the principal amount invested. Past performance does not guarantee future results.

• The price of securities can and does fluctuate, sometimes dramatically, and that any individual security may experience upward or downward movements, and may even become valueless. Therefore it is as likely that losses will be incurred rather than profit made as a result of buying and selling securities. This is the risk that customers should be prepared to accept.

• Investors investing in securities denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal.

• Customers will take complete responsibility for any losses resulting from your trading strategy.

• You may be charged a transaction fee and/or service fee when you redeem these securities. Investors investing in securities denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile. Brokerage account is not available to U.S. Persons.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision. In the event that you choose not to seek advice from a financial advisor, you should carefully consider whether this product is suitable for you in light of your investment objectives, financial means and risk profile.

SHORT TERM INVESTMENTS

Capitalise on targeted market opportunities and achieve your financial goals in the near term

A dual currency investment that gives you an opportunity to earn a potentially higher interest rate than a traditional time deposit by taking advantage of currency rate movements.

  • Provides you with a wide selection of currencies.
  • Provides you with a flexible choice of tenures from 1 week to 6months.
  • Offers you an opportunity to diversify into a second currency of your choice at your pre-agreed exchange rate.

A Premium Account is unlike a traditional bank account as it is an investment and returns may vary. Premium Accounts are subject to a number of risks:

FX Risk

• Risk of being converted to the alternate financial instrument. If you convert your alternate financial instrument back to the base financial instrument, you may have potential losses.

• Should the market move against you, you must be prepared to buy your alternate financial instrument at the agreed Strike Price, which would be less favorable than the prevailing exchange rate at the maturity of your Premium Account.

• There may be from time to time for certain financial instruments, controls that governments put in place to ban or restrict the amount of foreign financial instruments or domestic financial instruments that is allowed to be traded or purchased. Common types of exchange controls include banning the use of foreign financial instruments and restricting the amount of domestic financial instruments that can be exchanged within the country.

• The Bank may, at any time at its discretion, terminate the Premium Account. This may happen, for example, if restrictions on convertibility and transferability become applicable to any of the financial instruments in your financial instrument pair. In such cases, payment to you will be made in the alternate financial instrument in your financial instrument pair or another financial instrument chosen by the Bank. You may incur a loss on the principal amount invested in such cases.

Liquidity Risk

• Pre-termination of the Premium Account is strongly discouraged and may incur substantial costs.

• Early withdrawal of the whole of a Premium Account is permitted but strongly discouraged, because you will have to pay early termination charges and these charges will be deducted from the amount repaid under the Premium Account.

• Some of the factors used in calculating such charges include the exchange rate for the financial instrument pair, the prevailing interest rate and the remaining term of the Premium Account. As a result, the amount repaid to you may be less than the principal amount invested.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

When it comes to high net worth wealth management, a Gold Account can be an alternative non-cash investment to diversify your portfolio and reduce investment risk. It allows you to buy and sell gold just like any other foreign currency. Investing in a Gold Savings Account is particularly attractive in market conditions where inflation is steadily rising.

  • Tool for diversification as its performance tends to move independently of other investments and key economic indicators.
  • Potential hedge against inflation as the value of gold in terms of real goods and services that it can buy tends to remain stable.
  • Potentially "safe haven" in times of financial, political, economic and social turmoil.

• Investments in gold are subject to price fluctuations which may provide both opportunities and risks. There is no yield or interest generated and a loss may be incurred due to fluctuations in its price.

• Physical delivery of gold, or physical deposit or withdrawal and wire transfer of gold to and from the Gold Account is not permitted. You should therefore determine whether any gold investment is suitable for you in the light of your investment objectives, your financial means and your risk profile.

• Investments in gold are not insured products and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme.

• Gold investments are in Loco London Gold, where all transactions will be made subject to the rules of the Loco London Gold market. Gold here is defined as Loco-London Gold having a fineness of at least 0.995, which shall be valued in U.S. dollars per troy ounce.

• The value of the Gold Account is dependent on the market price of gold. Gold Account is designed to give customers an investment opportunity in the gold market where customers can enjoy capital gain when the price of gold appreciates.

• Gold Account is non-interest bearing.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

These short tenure, non-principal protected investments will provide you the opportunity to receive higher potential returns on your money based on share price movements.

  • You can enjoy the potential to receive better returns than a traditional time deposit if your view on share price movement of the underlying share is correct.
  • You can enjoy a flexible tenure of anywhere between 1 to 6 months.
  • You can seek exposure to a specific underlying share or a basket of underlying shares at a pre-agreed share price ('Strike Price') as well as benefit from the enhanced interest rates that arise from the option premium you receive.

As with any other investment, there are risks associated with your investment in a Citibank Equity-Linked Account. Structured product transactions are complex and an investment in a structured product may involve a high risk of loss of the investor's initial investment. Unlike bank deposits, Citibank Equity-Linked Accounts are subject to investment risks and potential returns may vary, depending on the Closing Price of the Underlying Share on the Expiry Date (the date on which the closing price of the Underlying Share is compared to the Strike Price to determine the outcome of the Equity-Linked Account).

Early Withdrawal Risk (Early Termination by Investor)

• Equity-Linked Account is an investment product that should be held to maturity. Early withdrawal of a part of Equity-Linked Account is not permitted. Early withdrawal of the whole of Equity-Linked Account is only allowed with the consent of Citibank. If the Equity-Linked Account is terminated before maturity, early termination charges will be deducted from the amount repaid under the Equity-Linked Account, hence resulting in a loss of the principal.

Potential Return Risk

• There is no assurance that the potential return of the Equity-Linked Account at maturity will be more than the amount initially invested. Depending on the circumstances, the return on the Equity-Linked Account may be less than returns on a direct investment in the Underlying Share or a regular bank deposit and may even be negative.

Foreign Exchange Risk

• Where liabilities in one currency are matched by an asset in a different currency, or where the transaction references more than one currency, or where assets are denominated in a currency other than an investor’s reference currency, movements of exchange rates may have a separate effect, both unfavorable and favorable, on any gain or loss otherwise experienced.

• Investments in ELAs that are not denominated in an investor’s base or home currency (i.e. the currency that the investor ordinarily transacts in, are subject to the risk of exchange rate fluctuations that may cause a loss of the Principal Amount if the Principal Amount is converted back to the investor’s base or home currency).

Early Termination by Citibank

• A general condition of an Equity-Linked Account is that Citibank may, at its discretion, redeem or terminate the Equity-Linked Account prior to maturity by mailing investors a draft payable to the investor for the principal and pro-rated interest. There may be other conditions that affect the value of the Equity-Linked Account and investors should refer to the Equity-Linked Account Agreement and Risk Disclosure Statement for further details.

Event Risk

• There may be adjustments to the terms of the Equity-Linked Account upon the occurrence of certain events such as market disruption, mergers, nationalisation, insolvency and changes in taxation law.

Leverage Risk

• Borrowing to fund the establishment of the Equity-Linked Account (leveraging) can have a significant negative impact on the value of and return on the investment. All hypothetical examples given by the bank of the potential performance of the Equity-Linked Account do not take into account the effect of any leveraging. Investors considering leveraging should obtain advice on applicable risks from the leverage provider and/or their financial advisor(s).

Liquidity Risk

• Investors should be prepared to hold their ELAs until maturity as investors may not be able to liquidate or sell some or all of the ELAs as and when they require or at an amount equal to or more than the amount of capital invested. There is currently no active or liquid secondary trading market for these ELAs and they are not traded on any regulated markets or listed on any exchange. There can be no assurance that any investor will be able to obtain a firm bid price for the ELAs for an amount at which they wish to sell.

• Investors should expect a rapid decrease in mark to market prices especially after a large coupon payment is made. Purchase of the ELAs should be viewed as a short-term “hold until maturity” investment. Investors are strongly discouraged from using this investment for trading opportunities.

Settlement Risk

• In the event that the Issuer or counterparty or any agent of them fails to settle the ELA, the investment amount paid by the investor will be credited to the investor's Citibank Singapore Limited account, without liability to the Bank, Citibank, N.A. or any of its affiliates for any interest or for further payment to the investor.

• Investors should be aware that upon placing an order for the investment to the ELA, the investor's account may be debited the investment amount (and any applicable fees and charges, as specified) and the date of debiting of funds may be on a date that is earlier than the applicable settlement date. With respect to interest/coupon payments, at early redemption or maturity, funds accruing to the investor may be credited to the investor's account on a date subsequent to any stated interest/coupon payment date, early redemption or maturity date. By agreeing to invest in the ELA, investors acknowledge that neither Bank nor Citibank, N.A. or any of its affiliates will be liable to the investor for any interest or compensation otherwise for such authorized debits from the investor's account, or any delayed payment or credit to the investor’s account.

• At maturity of an ELA in the case when the Bank delivers the Underlying Share, the Underlying Share will be delivered to the investor only after actual receipt and processing by the Bank or any of its nominees or agents, of all necessary documents or securities, as the case may be. This may result in delivery to the investor on a date subsequent to the maturity date specified and neither the Bank nor Citibank N.A. or any of its affiliates will be under any liability to the investor resulting from the delay (including, without imitation, any drop in the market value of the Underlying Share pending delivery).

• The Bank also has the discretion to pay the investor cash instead of delivering the Underlying Share. The amount of cash payable will be computed based on the closing price of the Underlying Share on the Expiry Date multiplied by the quantity of the Underlying Share to be delivered as stated in this advice. In such a case, the investor will suffer an immediate loss on the Principal Amount.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

LONG TERM INVESTMENTS

Diversify your investments across countries and investment types. Choose from many levels of risk and returns

More than 14,000 financial advisors and private bankers in 100 countries, our established network can provide both breadth and depth of experience, global research and financial advice. With Citibank as your partner, you can make your investment decisions with confidence.

  • We offer a broad range of Equity Funds and Bond Funds.
  • By country / region:
    Global, Europe, Asia, Japan, Singapore, North America, Emerging Markets.
  • By industry:
    Telecommunication & technology, life and health sciences, financial services, industries, gold & mining.
  • A range of funds to suit individual investor profiles, tolerance for risk and different investment needs
    • Income accumulation.
    • Capital appreciation, through global allocation in various equity markets around the world.
  • Specially-designed portfolios for those who want to maximize their potential returns, who can accept some risk of capital loss but may be unsure of 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.
No Guarantees

• Returns are not guaranteed and costs will still be incurred even if the fund performs poorly.

Lack of Control

• By investing in an Investment Fund, you give up control over the choice of individual bonds, shares and other assets that go into the fund, as the fund manager will make these decisions for you.

Impact of Fees on Returns

• The total cost of sales charge and expenses can be higher than investing in individual securities. Investors should be cautious with funds that charge high fees as they can potentially reduce the investment returns.

Market Risk

• The major source of risk and volatility with Investment Funds comes from the underlying assets held by the fund.

Liquidity Risk

• Investment Funds are relatively liquid with most funds allowing access to funds within a reasonable short time frame. In times of severe economic downturns, however, funds can reduce this liquidity, and potentially even freeze all redemptions for a period of time, so as to protect the holdings of the fund and not disadvantage investors who want to stay in the fund.

Manager's Risk

• The performance of the fund may be affected by the skill or reputation of the fund manager. This may give rise to "key person risks" should the particular fund manager leave the organization.

Exchange Rate Fluctuations

• Investors investing in Investment Funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal when the foreign currency is converted back to the investors’ home currency.

Risk is an inherent aspect of every form of investment. Investors should be advised that past performance is not indicative of future results and be prepared for fluctuations in the market price of their Investment Funds, including the possible loss of the principal amount invested.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

Flexibility to choose from bonds of various currencies and tenures to diversify your portfolio and at the same time enjoy a regular stream of income from your investments in the bond market.

  • You will enjoy a regular stream of income.
  • You will enjoy capital appreciation if you sell the Bond when the price has appreciated (please note prices may also decline).
  • You can diversify your investment portfolio and your risk if you have a portfolio consisting of mainly equities.

As with any investment, bonds also carry risk. Comparing deposits, high credit quality bonds and stocks, deposits rank the safest followed by high credit quality bonds.

Market Risk

• Market risk is the risk of bond prices fluctuating as a result of changes in interest rates and inflation outlook. Generally, when interest rates are on the rise with inflationary outlook, bond prices will fall. Moreover, the longer the maturity, the more sensitive the bond price is to these macro-economic changes.

Credit Risks

• Investors assume the credit risk of the issuer. This product is not a bank deposit, is not government insured, is not an obligation of nor is it guaranteed by Citibank Singapore Limited/Citigroup Inc. or their affiliates (unless expressly stated in the relevant product documentation).

Liquidity Risk

• During adverse market conditions, holders of a bond may not be able to liquidate all or part of their securities as and when they require. In addition, certain bonds may not be marketable and as such, cannot be liquidated before maturity. Investors should expect a rapid decrease in mark to market prices especially after a large coupon is paid. In the event the investor wishes to liquidate his bond before maturity, he/she will have to sell at the current available market price, which may result in a loss of principal. However, there can be no assurance that the investor will be able to obtain a firm bid price for the bond for an amount at which he/she wishes to sell.

Settlement Risk

• The investor assumes all settlement risks relating to failing to settle the bond on the relevant settlement date. In the event the issuer or counterparty fails to settle the bond, Citibank will return the money to the investor without interest. At maturity, funds will be passed on to the investor only after receipt of good funds by Citibank Singapore Limited from the issuer or counterparty. This may result in payment to the holders of this product on a date subsequent to the stated maturity date.

• Sovereign Risk

Payment of bonds may be affected by the economics and political events in the country of the relevant issuer. The occurrence of a sovereign risk event could result in the loss of all or a portion of the principal invested should, as a result of any economic or political circumstances, payment may be made in the local currency of the country, of the relevant issuer instead of the original invested currency.

• Foreign Exchange Risk

Investors investing in bonds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may result in the receipt of reduced sums and/or a loss of principal when converted to the investor's local currency.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

Access an extensive array of investment opportunities that are often out of reach from investors of smaller amounts. To open your Citibank Regular Savings plan:

Minimum US$5,000 (or equivalent).

Minimum monthly subsequent investments of US$1,000 or more.

  • Cash savings does not necessarily beat inflation. Inflation can erode the purchasing power of your cash savings. Therefore you may wish to consider diversifying into investments such as bonds and equities, which may beat inflation by a substantial margin over the long term.
  • The Citibank Regular Savings Plan will enable you to access an extensive array of investment opportunities that are often out of reach from investors of smaller amounts.
  • Enjoy the flexibility of being able to choose from tenures of a 1, 3 or 5 year savings plan or even an alternative tenure that may best suit the timing of the financial goals you are striving to achieve. For example, you may choose to time your Citibank Regular Savings Plan to mature when your child turns 18 years old, and is able to use the savings for university fees.
  • Free up valuable time that you may otherwise spend monitoring the markets for investment opportunities.
No Guarantees

• Returns are not guaranteed and costs will still be incurred even if the fund performs poorly.

Lack of Control

• By investing in an Investment Fund, you give up control over the choice of individual bonds, shares and other assets that go into the fund, as the fund manager will make these decisions for you.

Impact of Fees on Returns

• The total cost of sales charge and expenses can be higher than investing in individual securities. Investors should be cautious with funds that charge high fees as they can potentially reduce the investment returns.

Market Risk

• The major source of risk and volatility with Investment Funds comes from the underlying assets held by the fund.

Liquidity Risk

• Investment Funds are relatively liquid with most funds allowing access to funds within a reasonable short time frame. In times of severe economic downturns, however, funds can reduce this liquidity, and potentially even freeze all redemptions for a period of time, so as to protect the holdings of the fund and not disadvantage investors who want to stay in the fund.

Manager's Risk

• The performance of the fund may be affected by the skill or reputation of the fund manager. This may give rise to "key person risks" should the particular fund manager leave the organization.

Exchange Rate Fluctuations

• Investors investing in Investment Funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal when the foreign currency is converted back to the investors’ home currency.

Risk is an inherent aspect of every form of investment. Investors should be advised that past performance is not indicative of future results and be prepared for fluctuations in the market price of their Investment Funds, including the possible loss of the principal amount invested.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

These investments' returns are linked to the performances of underlying equities or equity indices. This allows you to manage your equities investments, depending on your risk profile and investment objective.

  • Opportunity to participate in the performance of the underlying asset/index.
  • Potentially higher returns as compared to bonds and deposits through the risks are potentially higher
  • Opportunity to invest in asset classes not typically available
  • Opportunity to diversify through access to various underlying asset & asset classes & global financial markets.

Structured product transactions are complex and may involve a high risk of loss. Prior to entering into a transaction, you should consult with your own legal, regulatory, tax, financial and accounting advisors to the extent you consider it necessary, and make your own investment, hedging and trading decisions (including decisions regarding the suitability of the transaction) based upon your own judgment and advice from those advisers you consider necessary.

Past Performance Risk

• The past performance of securities or other instruments does not guarantee or predict future performance.

Repayment of Principal at Maturity Risk

• Any repayment of principal at maturity and/or interest payment obligation provided in respect of a structured note is made by the issuer and is subject to various conditions and risks including, but not limited to, issuer risk and credit risk.

Market Risk

• Structured notes can be volatile instruments and may be subject to considerable fluctuations in value and other risks inherent in investing in securities and/or derivatives. The price of the structured note might fluctuate with changes in interest rates, inflation expectations or the movement in price or valuation of the underlying asset.

Potential Return / Underperformance Risk

• Potential return on the notes may be less than returns on a bank deposit or a non-structured fixed coupon bond or a direct investment in the underlying assets, or other investments. There can be no assurance that the notes will return at maturity more than the amount initially invested. Moreover, regardless of the amount to be paid at maturity pursuant to the terms of the notes, you may lose part or all of the initially invested amount.

Credit Risk

• The structured note is subject to the credit risk of the issuer. In the case of insolvency of the issuer (and/or Guarantor, if applicable) of the note, the claims of the holder of the structured note will rank the same as general unsecured creditors except where specifically provided otherwise.

Liquidity Risk

• Holders of the note may not be able to liquidate their holdings in the structured notes as and when they require or at an amount equal to or more than the amount originally invested as there can be no assurance of an active or liquid secondary market for the notes. Investors are strongly discouraged from using structured notes for trading opportunities.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

HOME FINANCE

Be it purchase financing or refinancing of local properties, enjoy preferential interest rates on your home loans

Citibank Home Saver is a Mortgage Loan and Transaction Account rolled into one. It allows you to take the high interest earned on your Home Saver Transaction Account to partially offset the interest payable on your Mortgage Loan. That means paying off your loan faster!

  • Competitive interest rates.
  • Cash balance in the Home Saver Transaction Account, up to the amount of outstanding mortgage loan principal, will earn a high interest rate ("Adjustment").
  • This "Adjustment" will automatically be used to partially offset the interest payable from your mortgage loan.
  • Use the cash in your Home Saver Transaction Account in exactly the same way as a normal checking account.
  • Simple and hassle free application.
  • Prompt approval.
  • No processing fees.
  • Multi-lingual Relationship Managers & mortgage specialists.

This proposal is not an offer to sell nor a solicitation of an offer to enter into a transaction. The terms set forth herein are intended for discussion purposes only and are subject to the final expression of the terms of the transaction in the applicable agreements and/or confirmation. Further, while some of the information provided may have been obtained from various published and unpublished sources considered to be reliable, neither Citibank Singapore Limited, Citibank N.A., Citigroup Inc. nor any of their affiliates guarantees its accuracy or completeness or accepts liability for any direct, indirect or consequential losses arising from its use.

The risk of loss in leveraged trading may be substantial. You may sustain loss in excess of your initial margin funds. Placing contingent orders, such as "stop loss" or "stop limit" orders will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders and you may be called upon at short notice to deposit additional funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You shall remain liable for any resulting deficit in your account. While the bank may attempt to contact you in the event of a margin call, if the value of the collateral in your account drops below the Bank’s force sell requirements the bank is not required to contact you and can liquidate your trading positions or other assets from your account without contacting you. Prior to entering into any proposed transaction, you should determine, without reliance upon Citibank Singapore Limited, Citibank, N.A. or its affiliates, the economic risks and merits, as well as the legal, tax and accounting characterizations and consequences, of the transaction and that you are able to assume these risks.

You should therefore carefully consider whether such trading is suitable in the light of your investment objectives, your financial means and your risk profile. Leveraged trading products are not insured by the Federal Deposit Insurance Corporation. Investment products including leveraged trading products are not available to U.S. persons and may not be available in all jurisdictions. This document and its contents are proprietary information and products of Citibank Singapore Limited and may not be reproduced or otherwise disseminated in whole or in part without Citibank's written consent.

Deposit Insurance Scheme - Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

INSURANCE

Comprehensive, tailor-made solutions that help you protect what matters most

While you have built wealth upon years of hard work, you would want your loved ones to enjoy the fruit of your success. To enrich your retirement without impacting your legacy or ensure equitable wealth distribution for the next generation, it is vital to plan ahead.

• Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and surrender value payable may be less than the total premiums paid.

• Insurance plans are underwritten by the relevant insurance company. Insurance products distributed are an obligation only of the insurance company. They are not a bank deposit or an obligation of or guaranteed by Citibank Singapore Limited, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries.

• The Singapore-dollar return on this policy will depend on prevailing exchange rates which may be highly volatile. For US-dollar denominated insurance plans, premiums and benefits payable will be made in US dollars. Equivalent returns on the policy in other currencies will depend on prevailing exchange rates which may be highly volatile.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

When faced with accidents or natural disasters, our life becomes fragile and helpless. In such instances, your family may not only lose their loved one but also the financial support, affecting their daily lives drastically. With benefits such as income, family, and asset protection, you and your family can look for solutions with comprehensive coverage against uncertainties. Invest today, so that you and your loved ones can look forward to a secure future with confidence.

• Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and surrender value payable may be less than the total premiums paid.

• Insurance plans are underwritten by the relevant insurance company. Insurance products distributed are an obligation only of the insurance company. They are not a bank deposit or an obligation of or guaranteed by Citibank Singapore Limited, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries.

• The Singapore-dollar return on this policy will depend on prevailing exchange rates which may be highly volatile. For US-dollar denominated insurance plans, premiums and benefits payable will be made in US dollars. Equivalent returns on the policy in other currencies will depend on prevailing exchange rates which may be highly volatile.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

With longer life expectancy and increasing cost of living, it is becoming more challenging to preserve sufficient wealth to sustain your desired lifestyle during the golden years.

• Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and surrender value payable may be less than the total premiums paid.

• Insurance plans are underwritten by the relevant insurance company. Insurance products distributed are an obligation only of the insurance company. They are not a bank deposit or an obligation of or guaranteed by Citibank Singapore Limited, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries.

• The Singapore-dollar return on this policy will depend on prevailing exchange rates which may be highly volatile. For US-dollar denominated insurance plans, premiums and benefits payable will be made in US dollars. Equivalent returns on the policy in other currencies will depend on prevailing exchange rates which may be highly volatile.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

Many people spend all of their income without being able to save enough. With minimal interest rates and the ever-increasing cost of living due to factors such as inflation, salary increases simply cannot keep pace, making it difficult to rely solely on savings.

• Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and surrender value payable may be less than the total premiums paid.

• Insurance plans are underwritten by the relevant insurance company. Insurance products distributed are an obligation only of the insurance company. They are not a bank deposit or an obligation of or guaranteed by Citibank Singapore Limited, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries.

• The Singapore-dollar return on this policy will depend on prevailing exchange rates which may be highly volatile. For US-dollar denominated insurance plans, premiums and benefits payable will be made in US dollars. Equivalent returns on the policy in other currencies will depend on prevailing exchange rates which may be highly volatile.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

With increasing health concerns and rising medical costs, health care expenses could quickly exhaust your savings in the event of an unexpected medical setback.



*Available as rider on basic plan.

• Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and surrender value payable may be less than the total premiums paid.

• Insurance plans are underwritten by the relevant insurance company. Insurance products distributed are an obligation only of the insurance company. They are not a bank deposit or an obligation of or guaranteed by Citibank Singapore Limited, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries.

• The Singapore-dollar return on this policy will depend on prevailing exchange rates which may be highly volatile. For US-dollar denominated insurance plans, premiums and benefits payable will be made in US dollars. Equivalent returns on the policy in other currencies will depend on prevailing exchange rates which may be highly volatile.

* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.

See what you need to protect your loved ones, save for retirement, support your children's education or to fund any other aspirational goals.

Let's find out >