Smart Wealth Management Journey Smart Wealth Management Journey A businessman enjoying the sunset

Smart Wealth Management Journey

Citibank® International Personal Banking offers a perfect suite of global financial solutions which expand your investment borders and gain access to Asia's biggest financial center.

How can you access the US and China Stock Markets?

1

How can you access US and China Stock Markets?

Check an answer >
  • Online stock account opening is available for existing clients; New-to-bank clients are welcome to open a stock account at any Citibank branch
  • Trade US and China A shares in 3 steps with Citi Online or Mobile banking wherever you are
  • Enjoy professional individual stock analysis by Thomson Reuters
Facts about China Connect:
  • Cross-boundary investment channels that connects Shanghai and Shenzhen stock market with Hong Kong.
  • Trading currency is Renminbi.
2

How to exploit Premium Account to seize foreign exchange investment opportunity?

Check an answer >

Earn attractive interest returns and potential growth from foreign exchange investments

  • Choose a base currency to start with and an alternate currency based on your own forecast for the foreign exchange
    market over a defined period of time.
  • Decide on an exchange rate at which you are willing to buy the alternate currency.
  • Upon maturity of the PA, you will be paid your interest and principal in the weaker of the base and alternate currencies, depending on the exchange rate on the Notification Date.
3

How can Portfolio Finance seize your offshore investment opportunity?

Check an answer >
  • Leverage your equities and investment holdings (bond, mutual funds and structured products ) or cash for additional investment capital.
  • Additional capital can be used for reinvestment of bond, mutual funds, structured products, foreign exchange investments.
  • Enjoy competitive loan interest rate.
  • Enjoy flexible repayment.

Illustration


Before After
Initial Investment Holdings

1. Bond
2. Mutual Funds
3. Equities		 US$200,000

US$100,000
US$50,000
US$50,000		 US$200,000

US$100,000
US$50,000
US$50,000
Annual Return / Loss
1. Bond
(Assume the coupon rate is 3.0% p.a.)		 US$ 3,000
(US$ 100,000 x 3.0%)		 US$ 3,000
(US$ 100,000 x 3.0%)
2. Mutual Funds US$5,000
(US$ 50,000 x 10.0%)		 US$5,000
(US$ 50,000 x 10.0%)
3. Equities
(Assume 10% gain in mutual funds and equities)		 US$5,000
(US$ 50,000 x 10.0%)		 US$5,000
(US$ 50,000 x 10.0%)
Additional Investment Capital obtained from "Investment Plus" Not applicable Additional Investment Capital:
US$ 105,000
1. Bond : US$ 60,000
(US$ 100,000 X 60%)
2. Mutual Funds : US$ 25,000
(US$ 50,000 X 50%)
3. Equities : US$ 20,000
(US$ 50,000 X 40%)
Annual Return / Loss from Additional Investment Not applicable Investment Capital US$ 100,000 is used for the purchase of Enhanced Growth Fund Portfolio
(Assume the expected rate of return is 8.47% p.a.) US$8,470 (US$100,000 x 8.47%) (Assume the expected rate of return is -20% p.a.)
-US$20,000 (US$100,000 x -20%)
Interest Cost from "Investment Plus" (Assume the interest rate is 2.43% p.a. for a 12-month tenure) Not applicable US$2,430
(US$100,000 x 2.43%)		 US$2,430
(US$100,000 x 2.43%)
Net Return / Loss US$ 13,000 US$19,040 -US$9,430
Return / Loss on Investment (p.a.) (Based on Initial Investment Capital) 6.50% 9.52% -4.72%

4

Have you ever considered a more efficient way to accumulate and manage your wealth, so you can achieve your goals?

Check an answer >

To fight inflation and grow your wealth steadily to make your dreams come true, you can consider protection plans with these features:

  • Guaranteed cash value as well as non-guaranteed annual and non-guaranteed terminal dividend
  • Provides different kinds of cash payments and dividend options
  • Different choices of premium payment method
5

When illness strikes, can you receive timely medical treatment without worrying about the expenses?

Check an answer >

To enjoy extensive medical protection, you can consider protection plans with these features:

  • Extensive coverage for hospitalization and surgeries, outpatient consultations and dental treatment
  • Lifetime guaranteed renewable cover
  • Cover for some of the major illnesses and early-stage critical illnesses
6

Do you want to give your children the best education to develop their full potential and future?

Check an answer >

To cater for the development of their children, parents can consider protection plans with these features:

  • Dividend at designated years
  • Further premiums to be paid by the Insurance company if the payer passes away or becomes disabled, until the insured person archives a certain age
  • A choice of premium payment period and policy currency
7

During your retirement, can your savings sustain your current lifestyle and allow you to pursue the things you want?

Check an answer >

To enjoy your golden years, you can consider protection plans with these features:

  • Guaranteed cash value as well as non-guaranteed annual and terminal dividend
  • Flexible income period to support your future plans
  • If the insured person passes away, the beneficiary can inherit his/her savings.
7

Do you want to pass on all you have today to your loved ones?

Check an answer >

To make an ideal plan for what you have achieved in life, you can consider protection plans with these features:

  • Allocates the legacy funds to beneficiaries according to your wish via life insurance
  • Claiming the insurance proceeds does not need to go through the probate regulatory application process
  • Insurance tools to manage the legacy funds, efficiently manage your retirement reserve, offering protection to your family and growing your assets.
  1. You should seek advice from your professional advisors as to your particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products. This material is for information only and does not constitute any offer or solicitation to buy or sell. Investments should not be treated as a substitute for time deposits. Investors should refer to the relevant investment products offering documents for detailed information prior to subscription. Investments are not bank deposits and involve risks, including the possible loss of the principal amount invested. Investors investing in investment products denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Unit prices may go down as well as up. Past performance is not indicative of future performance. Unless specified, these investments are not obligations of, guaranteed or insured by Citibank (Hong Kong) Limited, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries, or by any local government or insurance agency. Investment products are not eligible for U.S. persons and might only be applicable to limited jurisdiction. Potential investors should consider if an investment is suitable for them in the light of their own financial position, investment objectives and risk profile.
  2. Foreign currency trading is subject to rate fluctuations which may provide both opportunities and risks. Investors may experience a loss when they convert foreign currency back to their home currency. Investors should therefore carefully consider whether such trading is suitable for them in light of their own financial position, investment objectives and risk profile. Exchange Controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. Citibank or any of its associates will benefit from the origination and distribution of the in-house product.
  3. The risk of loss in foreign exchange margin trading can be substantial. Investors may sustain losses in excess of their original 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. Investors may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, their position may be liquidated. Investors will remain liable for any resulting deficit in their account. Investors may therefore wish to seek independent advice before making a commitment to enter into foreign exchange margin trading. In the event that investors choose not to seek independent advice, they should carefully consider whether such trading is suitable in the light for their own investment objectives, financial position and risk profile. Investors should also carefully read the relevant Terms and Conditions.
  4. Investment shall not be treated as a substitute for time deposit.
  5. This webpage is for information purpose only and does not constitute any offer or solicitation or advice to buy or sell any security. Investments are not bank deposits and are not obligations of, guaranteed or insured by Citibank (Hong Kong) Limited, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries, or by any local governmental or insurance agency, and involve risks, including the possible loss of the principal amount invested. Share prices may go down as well as up. Investment products are not available for U.S. persons and might only be applicable to limited jurisdiction. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment.
  6. The English version of these Terms and Conditions shall prevail wherever there is a discrepancy between the English and Chinese versions.

Citibank (Hong Kong) Limited - Important Notes from the insurance agent

  1. Citibank (Hong Kong) Limited, being registered with the Insurance Authority as a licensed insurance agency, acts as an appointed licensed insurance agent for AIA International Limited (the "Insurance Company").
  2. Citibank (Hong Kong) Limited's role is limited to distributing insurance products of the Insurance Company only and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the provision of the products.
  3. Insurance products are products and obligations of the Insurance Company and not of Citibank (Hong Kong) Limited. Insurance products are not bank deposits or obligations of, or guaranteed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency.
  4. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between you and Citibank (Hong Kong) Limited out of the selling process of any insurance product conducted by Citibank (Hong Kong) Limited as agent for Insurance Company or the processing of the related transaction, you may enter into a financial dispute resolution scheme process with Citibank (Hong Kong) Limited in accordance with the applicable rules in Hong Kong. However any dispute over the contractual terms of insurance products should be resolved directly between you and the Insurance Company.
  5. All insurance applications are subject to Insurance Company's underwriting and acceptance.
  6. The Insurance Company is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
  7. Citibank (Hong Kong) Limited will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
  8. You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  9. For any policy service enquiries, please contact the relevant licensed bank staff or the Insurance Company.
  10. In case of any discrepancy between the English and Chinese versions of this document, the English version shall prevail.

Other Remarks:

  1. A monthly service fee of HK$400 will apply to all International Personal Banking Citi Priority and Citibanking clients, irrespective of the clients’ “Average Daily Combined Balance”. International Personal Banking clients are defined as clients whose correspondence address is not a Hong Kong address in our records.
  2. For International Personal Banking Citigold clients, if the "Average Daily Combined Balance" falls below HK$1,500,000 for 3 months, a monthly service fee of HK$500 applies.
  3. The "Average Daily Combined Balance" is calculated based on the sum of your daily balances of deposit, investment and accumulated paid premium of selected insurance products of all your single name account(s) and joint name account(s), divided by the number of days in the month. Selected insurance products mean insurance policy(ies) with saving element or investment-linked insurance. For insurance policy(ies) with saving element, accumulated paid premium means total premium paid minus value of outstanding policy loan. For investment-linked insurance policy(ies) accumulated paid premium means total premium paid minus value of fund sold. For the fees of individual service, please refer to the latest service fee guide.
Join International Personal Banking Service to earn up to HK$65,000 cash rebate. Apply Now