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Investment funds for a Diversified Investment Portfolio - Citi UK

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Investment funds

Investment funds to Diversify the risk and cost of your investment

What are Investment Funds?

Investment funds are pooled funds that can invest across different sectors, countries and product types. Investing in funds helps diversify risk and reduce costs, while giving you access to a wide variety of markets. The fund is managed by a professional fund manager whose job it is to aim to maximise returns while minimising risks. Returns are made on the rise of the investments.

Investment funds can be classified into four broad categories:-

Open End Funds - In open ended funds units can be sold and purchased at the Net Asset Value (“NAV”) on any trading day. Hence, they allow investors to participate directly in the markets with greater flexibility.

Close End Funds - Closed end funds issue all of their shares on the first day of its opening. Consequently, a close-ended fund’s market value rises and falls like individual stocks.

Exchange-traded funds (ETFs) - ETFs are investment funds traded in the stock markets. They are an attractive investment option due to lows costs and stock-like features.

Hedge Funds: - Hedge funds face less regulation than other type of investment funds. As a result, Hedge Funds can invest in a wider range of securities such as derivatives and leverage in both domestic and international markets.

Investment funds should be considered for medium to long-term investment plans. Your Relationship Manager will work with you to identify which funds best suit your strategy - whether as the cornerstone of a long-term investment plan or to complement your existing portfolio.

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  • Benefits and Risks
  • Funds at Citi
  • Fund management and Fees

Why you may consider Investment Funds?

Investment Funds could be appropriate if you:

  • want lots of choice about where you invest your money. They are available at all levels of risk, from, low-risk Money Market funds to higher risk Equity Funds.
  • are looking to grow your wealth, or receive an income, or a combination of the two, as different Investment Funds aim to achieve all these goals, to varying extents.
  • want to make a medium to long-term investment plan and minimise your costs and risks.

Benefits and risks

  • You can enjoy access to a wider range of securities, industries and markets than most single investments, diversifying your investment risk while increasing potential returns.
  • By pooling together the money of multiple investors, transaction costs can be kept lower.
  • It's a simple and hassle-free way to invest. Rather than buying shares directly in a company yourself, you don’t have to track the market movement on a daily basis – all of this  is done for you.
  • Funds that invest in smaller companies may involve more volatility than larger stocks, while investments in emerging markets may also involve a higher degree of risk.
  • Investment products in foreign currencies may  be subject to exchange rate fluctuations.
  • Investment products are subject to investment risks, including possible loss of some, or all, 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.
  • Citi's Investment Fund options

    Citi offers over 180 different Investment Funds in Euros, Dollars and Pounds (GBP) to fit your investment strategy and your risk profile. These range from money market funds to international funds that invest in everything from equity funds and bonds to global property fund investments, commodities and emerging markets. If you to choose to further diversify your investment portfolio and invest outside the UK in offshore funds, you have the opportunity to choose from over 550 international investment funds across 8 currencies.

    Our well established fund house partners

    Our funds are managed by leading industry professionals with a deep understanding of the markets and instruments they invest in. Amongst our partners are the following investment houses:

    Our carefully selected funds

    No product is ever selected for recommendation without analysis and we always apply our Citichoice methodology to choosing Investment Funds. This is based on strict criteria, including investment philosophy, process and performance. From this we select our Citichoice funds which we regard as the best funds. As a result, you can be confident that any product we recommend to you has been vetted.

    At Citibank, you have the flexibility to choose from a wide range of investment funds such as Open End Funds and Money Market Funds. Whether you are a conservative investor or a risk taker, our expert team of fund managers will help you achieve the right balance of risk and returns for your investment portfolio. However, investment funds such as Private Equity Fund and Pension/ Trust Funds are excluded from our investment funds.

    The process by which we select from our Citichoice funds to find which of these will best suit you and your wealth management strategy is outlined below:

  • Geographical areas

    You can choose to invest in Investment Funds in any of the following countries and economic regions around the world:

    • ASEAN *
    • Asia Pacific
    • Asia Pacific excluding Japan
    • Australia
    • BRIC - Brazil, Russia, India and China
    • China
    • China (Greater)
    • Euroland
    • Europe
    • Europe Emerging Markets
    • Europe excluding UK
    • France
    • Germany
    • Global
    • Global Emerging Markets
    • Global excluding USA
    • Hong Kong
    • India
    • Indonesia
    • Italy
    • Japan
    • Korea
    • Latin America
    • Malaysia
    • Middle East
    • North America
    • Russia & Commonwealth of Independent States
    • Scandinavia
    • Singapore
    • Spain
    • Switzerland
    • Taiwan
    • Thailand
    • United Kingdom
    • United States of America

    * Association of Southeast Asian Nations including Indonesia, Malaysia, the Philippines, Singapore, Thailand, Brunei, Cambodia, Laos, Myanmar, and Vietnam.

  • Fund types

    Asset classes to suit your needs

    Asset allocation aims to balance the risks of any investment with its potential rewards. We do this based on your financial goals, your risk profile and the term over which you're looking to invest.

    Choose from the following types of funds

    Your Relationship Manager can select from top investment funds that invest in equities, fixed income, money market, as well as asset allocation funds with exposure to both bonds and equities. You can also choose funds which invest into Property related instruments.

    There is a variety of satellite equity investments, which offer exposure to different sectors, such as Technology, Consumer Goods & Services, Precious Metals, Natural Resources and many others.

    • Asset Allocation Defensive
    • Asset Allocation Dynamic
    • Asset Allocation Flexible
    • Asset Allocation Neutral
    • Asset Backed Securities
    • Biotechnology
    • Blue Chips
    • Commodity
    • Consumer Goods
    • Convertibles
    • Corporate Bonds
    • Ecology
    • Energy
    • Equity
    • Equity Fixed Term
    • Equity Income
    • Finance
    • Fixed Income
    • Fixed Income Fixed Term
    • Food & Beverage
    • Fund of Funds(Asset Allocation)
    • Fund of Funds(Equity)
    • Fund of Funds(Fixed Income)
    • Gold & Precious Metals
    • Govermment Bonds
    • Growth Stocks
    • Healthcare/Pharmaceutical
    • High Yield Bonds
    • Index Tracking
  • Onshore and Offshore

    Citi can help you diversify your wealth on a global scale and take advantage of both onshore and offshore held investments, giving you access to an even wider range of markets and products, including over 550 investment funds.  We help make international wealth management easy for you by opening up investment opportunities in a way that is clear and straightforward.

    Depending on your individual circumstances, offshore fund investment may bring certain tax advantages which is particularly useful if you are an expatriate living and working in the UK.
    Please note Citi does not provide tax advice and investors should seek advice from a tax adviser

A dedicated Relationship Manager is there to

A dedicated Relationship Manager is there to

  • Identify suitability of products based on your individual risk profile
  • Advise on how to meet your financial goals
  • Regularly review your fund options and performance
With Citi Online you can

With Citi Online you can:

  • Open your investment account online
  • Search, buy and redeem investments
  • Monitor the performance of your funds 24 hours a day online 

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Eligibility

Once you become a client, the minimum investment amount for an individual Investment Fund is £1,000 (or currency equivalent) when investing online and £10,000 when investing via your Relationship Manager. The minimum amount for regular investments is £500 per Fund when investing online and £1,000 when investing via your Relationship Manager.

Investment funds are available to all Citi clients, subject to eligibility as per our Terms and Conditions.

Fees

We offer a choice of fee structure. The most appropriate one for you will depend on how you plan to use your Investment Funds account.

Plan to make regular adjustments to
your holdings?

Plan to make minimal adjustments to
your holdings?

New All-In Monthly Fee

Do you expect to make regular Investment Fund transactions during the year to adjust for market movements? If so, our Monthly Fixed Percentage Charge may suit you best.

Clients pay a fixed fee of 1.5% per annum (1.0% for Citigold Private Clients) on the total value of their Investment Fund account, and payments are made monthly.

You must have £200,000 in your Investment Fund account to be eligible for this option.

Citigold Client Example

Investment amount: £200,000.
Fixed percentage Monthly Charge: £254.79 (31 day calendar month).

Assumption that the investment remains at £200,000 throughout the month. Note: As the Fixed Percentage Monthly Charge depends on the daily value of your Fund holdings, the charge may vary from month to month.

View alternative option.

Standard Upfront Charge

If, after buying your chosen Investment Funds, you expect to leave these assets untouched for an extended period of time, our Standard Upfront Charge may be most appropriate.

This 3.5% charge is applied each time you make a change to your holdings, and comprises a 2% transaction fee and a 1.5% advice fee.

There is a Global Custody fee of 0.5% that applies to all investment products you hold with Citi and is charged on a monthly basis.

Citigold Client Example

Investment amount: £200,000
Transaction Fe: £4,000.00
Advice Fee (if applicable): £3,000.00
Global Custody Fee: £84.93 (31 day calendar month)

Note: The Global Custody Fee may vary from month to month as it depends on the daily value of all your investment holdings with Citi. For the purpose of this example it is assumed that this is the only investment held with Citi.

View alternative option.

Why Wealth Manage at Citi?

  • As part of a model portfolio Receive guidance to meet your financial goals

    Find out more
  • Speak to a dedicated Relationship Manager Seek advice and buy individual funds

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  • Easy access to your wealth Invest at your convenience through our online platform

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  • From an international selection Choose funds from 34 global markets

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  • As offshore investments Diversify your wealth on a global scale

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Citibank UK Wealth Management Approach. Exclusive, Personal Investment Service to meet your Financial Goals. Find out more>

Take the first steps to your wealth management planning with Citi

Already with Citi? Contact your relationship manager or view product availability on Citi Online

Why choose Citi?

A relationship - not just a bank account

A dedicated Relationship Manager giving you access to our internal team of product experts and all our benefits

Access to exclusive Citi products

A range of current and investment products available both on shore and offshore, in the currency of your choice
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Our investment products

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Offshore investments

We offer a diverse range of banking and investment services, including for those who want access to offshore investments

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Just moved to the UK?

We can save you time money and hassle. If you are a foreign national in the UK, Citi's International Banking Service can help you manage your money, home and away.

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Important information
Investment products are not insured by any governmental agencies, are not bank deposits, and are neither obligations of, nor guaranteed by, Citigroup, or any of its affiliates, unless otherwise stated.


Investment products are subject to investment risks, including possible loss of some or all of the principal amount invested. Past performance is not indicative of future results, investments can go down as well as up.