Investor Types

Investment ISA

Let us help you find the right Citi Investment ISA for you and your goals.

It's essential to understand exactly what your attitude to risk is. We consider there are three main factors that can influence your investment decision-making:

  • your investment aims and objectives
  • time horizon
  • your overall appetite for risk.

Taking these into account, we have highlighted three main characteristics of an investor to help and guide you:

A Cautious Investor will typically be:
  • looking to enhance their long-term returns beyond those offered by cash by investing into a diversified portfolio of bonds and equities
  • willing to accept the potential of lower returns than those offered by more risky portfolios for the greater stability of their investment
  • willing and able to accept some volatility through markets rising and falling

A Balanced Investor will typically be:
  • looking to enhance their returns by investing into a portfolio of equities with some exposure to bonds
  • looking for enhanced long-term performance and willing to accept volatility in the pursuit of higher returns
  • willing and able to accept losses on the portfolio over the short term

An Aggressive Investor will typically be:
  • looking to enhance their returns by investing into a diverse portfolio of equities
  • looking for strong long-term performance and will be relatively unconcerned about increased volatility in the pursuit of higher returns
  • willing and able to accept an above average degree of risk and the potential of losses on the portfolio over the short to medium term


Fund options
Risks before applying

Important Information
An initial charge of 2% along with an Annual Management Charge of 1.25%, 1.35%, or 1.50% (depending on the fund) will apply to these funds. Due to the structure of Multi-Manager Funds they may carry higher costs than single funds. Investments are not bank deposits, and are neither obligations of, nor guaranteed by, Citigroup, or any of its affiliates. They are subject to investment risks, including possible loss of the principal amount invested. Past performance is not indicative of future results; investments can go down as well as up. This means you might get back less than you invested. Stock market investments should be viewed as a medium-term to long-term investment (at least five years). Favourable tax treatment of ISAs may not be maintained in the future if law and HM Revenue and Customs practice change. The value of the tax treatment described depends on individual circumstances. If you are in any doubt about the suitability of this investment, we recommend that you speak with one of our qualified Investment Consultants. Call us on 0800 008800. A charge may apply for investment advice.

Applications must be received by 1st April 2011 to qualify for the 2010/11 tax year
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