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The Risk Profile is a tool used to determine your Investor Profile rating. By completing the Investment Risk
Profiling Questionnaire, you would be classified in one of the six Investor Profiles, ranging from “IR 1” to “IR 6”.
Investors who hope to experience minimal fluctuations in portfolio value over a rolling one year period and are generally only willing to buy investments that are priced frequently and have a high certainty of being able to sell quickly (less than a week) at a price close to the recently observed market value.
Examples of investment products include Products of Risk Rating 1 such as Mutual Funds with Risk Rating 1, Debt Securities with Risk Rating 1.
Investors who hope to experience no more than small portfolio losses over a rolling one-year period and are generally only willing to buy investments that are priced frequently and have a high certainty of being able to sell quickly (less than a week) although the investor may at times buy individual investments that entail greater risk.
Examples of investment products include Products of Risk Rating 2 or below such as Market-Linked Account (100% Principal Protected), Premium Account, Gold Manager, Market Linked Notes with Risk Rating 2, Mutual Funds with Risk Rating 2, Debt Securities with Risk Rating 2.
Investors who hope to experience no more than moderate portfolio losses over a rolling one year period in attempting to enhance longer-term performance and are generally willing to buy investments that are priced frequently and have a high certainty of being able to sell quickly (less than a week) in stable markets although the investor may at times buy individual investments that entail greater risk and are less liquid.
Examples of investment products include Products of Risk Rating 3 or below such as Gold Premium Investment (only available to Professional Investors), Equity Linked Structured Products with Risk Rating 3, Market Linked Notes with Risk Rating 3, Mutual Funds with Risk Rating 3, Debt Securities with Risk Rating 3.
Investors who are prepared to accept greater portfolio losses over a rolling one year period while attempting to enhance longer-term performance and are willing to buy investments or enter into contracts that may be difficult to sell or close within a short time-frame or have an uncertain realizable value at any given time.
Examples of investment products include Products of Risk Rating 4 or below such as Equity Linked Structured Products with Risk Rating 4, Market Linked Notes with Risk Rating 4, Mutual Funds with Risk Rating 4, Debt Securities with Risk Rating 4, Securities Recommendation Service, Premium Financing Secured by Insurance (Interest-Only Option).
Investors who are prepared to accept large portfolio losses up to the value of their entire portfolio over a one year period and are generally willing to buy investments or enter into contracts that may be difficult to sell or close for an extended period or have an uncertain realizable value at any given time.
Examples of investment products include Products below Risk Rating 5 and leveraged products of Risk Rating 5 such as FX Margin Trading, Foreign Currency Leveraged Investment, Treasury Plus, Investment Plus, Portfolio Power and Products of Risk Rating 5 are only available to Professional Investors such as Equity Linked Structured Products, Market Linked Notes, Mutual Funds and Debt Securities with Risk Rating 5.
Investors who are prepared to put their entire portfolio at risk over a one year period, and may even be required to provide additional capital to make up for portfolio losses beyond the amount initially invested, are generally willing to buy investments or enter into contracts that may be difficult to sell or close for an extended period or have an uncertain realizable value at any given time.
Examples of investment products include Products of Risk Rating 6 or below, subject to Professional Investors restrictions. Products of Risk Rating 6 are only available to Professional Investors such as Mutual Funds and Debt Securities with Risk Rating 6.
The Investment Risk Profiling Questionnaire is intended to form the basis for a discussion between you and your Bank Staff on investment products appropriate for you. The investment risk profiling questionnaire does not include, and is not exhaustive of all issues you should consider before making an investment. Before making any investment decision, you should fully understand the product risks and merits and conduct your own appraisal of the product risks to determine whether the investment is consistent with your objectives.
*The examples are for reference only and does not intend to constitute any offer or solication or advice / recommendation. Potential investors should consider or seek independent advice if an investment is suitable for them in the light of their own financial position, investment objectives and risk profile.
Questionnaire via Citi Mobile® App
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under “Investment Risk Profile” to update information
Scroll down to the "Investment Portfolio" section to view or update your Investment Risk Profile.
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Access your understanding of the general features and risk associated with a particular product category and allow us to make investment recommendations that are suitable for you.
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> Remarks
- You may update your risk profile no more than twice on the same day for the same relationship via Citibank® Online. Thereafter, should you wish to update your risk profile again within 30 days, please contact your Relationship Manager or call hotline at (852) 2962 3677 during service hours (Monday to Friday: 9:30a.m. – 5:00p.m.). For Citi Plus customer, please connect with Citi officers via “Messaging Service” at Citi Mobile® App.
- A physical or electronic profiling advice will be delivered to you for record.
- Your investment risk profile is valid for a period of 24 months from the date of profiling. If you are aged 78 or above, your investment risk profile is valid for a period of 12 months from the date of profiling.
> Disclaimer
Investment products are not bank deposits or obligations of, or guaranteed 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, unless specifically stated. Investments involve risks, including the possible loss of principal amount invested. Past performance is not indicative of future results, prices can go up or down. Investors investing in products denominated in non-local currency should be aware of the risks of exchange rate fluctuations that may cause a loss of principal when the foreign currency is converted back to the Investors’ home currency. Investments are not available to U.S. persons. All applications for Investment Products are subject to specific Terms and Conditions of the individual products
