Important Links

Funding future goals: How to increase your investment success

2 November 2017Equities

Funding future goals: How to increase your investment success

  • A 2015 psychologist study suggests that prioritising future goals goes against our nature
  • The same study suggests that formulating and tracking your financial plans can improve investment success by 77%

Whether you've been dreaming of setting up a new business or setting up your children's future, getting the most out of your wealth is key, and for some this may mean long-term planning,

The human nature conundrum

According to Parliamentary Office of Science and Technology, offered the choice of travelling around the world or a down payment on a second home, many people would choose the former. In fact, psychologists suggest that prioritising future goals goes against our nature, as humans are more inclined to seek near-term gratification over long-term benefits1.

Naturally, this means that many people may be less likely to look at long term investment opportunities, and those that do may often lack the patience to reap the full rewards.

The truth is in the evidence

Investors could prove to be less long-sighted too. A 2016 Dalbar report showed that the majority of equity and bond mutual fund investors committed to their assets for less than four years. As a result, they achieved lower returns than predicted. Being able to follow through with your plan is crucial for any long-term investment.

The secret to successful forward planning

When it comes to long-term investing, setting goals can be a good first step. But tracking and committing to those goals can be even more important. A 2015 study by psychologist Dr Gail Matthews at Dominican University revealed that people who wrote down their goals were 42% more likely to achieve them than those who didn't. Furthermore, those who wrote down their goals, created a future plan and tracked their progress, saw a 77% higher success rate.

Citi believe that the key to making your investments work harder is to know exactly what you want them to achieve for you. Once you pin this down, the next step is to formulate a tangible plan to get there through long-term investments., which Citi can help with.

Christopher Paris, one of Citi's Relationship Managers, says, "Many professionals have excellent knowledge of financial markets however they do not have the time to invest. My team is able to understand their financial goals and provide investment solutions across different sectors, countries and product types."

Staying focused to achieve your goals

It's easy to stray off track when you're planning for the future - that's why it's so important to keep track of your investments, say Citi. Once you've set your goal, our Relationship Managers work with you to monitor your investments and strive to ensure that your assets continue to match your future plans.

"Not only do we make the initial recommendation, but we provide ongoing advice and a regular review on our client's portfolio", explains Christopher.

With Citigold Wealth Management, you can manage your investments in the way that suits you. Speak to us today to find out more about our tailored investment plans.


Our recent research

A Redefinition of Value Investing

Diversification into cyclical markets, particularly value stocks with still subdued valuations, remains preferred. Citi analysts consider four strategies to identify where "value" may be for certain companies.

Find out more


Assessing the Pullback in the Technology Sector

The technology sector is seeing some pressure after a rally that has surpassed expectations. COVID-19 cyclicals were more resilient, consistent with Citi analysts’ preference of rotating from growth to value stocks amid a cyclical recovery. Looking ahead, Citi analysts believe this is more likely a correction rather than the start of a broader downturn, as the cyclical recovery remains intact. Nevertheless, further volatility is expected due to the upcoming US Presidential election and ongoing pandemic. With US equity valuations at a historic high relative to others, investors could also look to diversify into non-US markets.

Find out more


Going Cyclical in Asia

Investors in Asia have flocked to COVID-19 defensive or growth sectors like technology this year, while COVID-19 cyclical or value sectors have lagged significantly. Citi analysts expect this relative performance to reverse, at least partially, as re-opening takes place.

Find out more

EquitiesAsia PacEmerging Markets

Take the first steps to your wealth management planning with Citi

Speak to a Relationship Manager
0207 500 1992

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
Multi-currency accounts
Investment products

Global services for a global lifestyle

Our team is here to support you getting started in UK or with International travel and relocation
Moving to and from the UK
Travelling overseas

Offshore investments

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

Find out more

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.

Find out more

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.

“Citi analysts” refers to investment professionals within Citi Research (“CR”), Citi Global Markets Inc. (“CGMI”) and voting members of the Citi Global Investment Committee. Citibank N.A. and its affiliates / subsidiaries provide no independent research or analysis in the substance or preparation of this document. The information on this page has been obtained from reports issued by CGMI. Such information is based on sources CGMI believes to be reliable. CGMI, however, does not guarantee its accuracy and it may be incomplete or condensed. All opinions and estimates constitute CGMI’s judgment as of the date of this page and are subject to change without notice. This page is for general information purposes only and is not intended as a recommendation or an offer or solicitation for the purchase or sale of any security or currency. No part of this page may be reproduced in any manner without the written consent of Citibank N.A. Information on this page has been prepared without taking account of the objectives, financial situation, or needs of any particular investor. Any person considering an investment should consider the appropriateness of the investment having regard to their objectives, financial situation, or needs, and should seek independent advice on the suitability or otherwise of a particular investment. Citi Research (CR) is a division of Citigroup Global Markets Inc. (the "Firm"), which does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the Firm may have a conflict of interest that could affect the objectivity of this information. Investors should consider this information as only a single factor in making their investment decision.

Opinions expressed herein may differ from the opinions expressed by other businesses or affiliates of Citigroup, Inc., and are not intended to be a forecast of future events, a guarantee of future results or investment advice, and are subject to change based on market and other conditions.