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Invest where opportunity takes you.

Higher levels of wealth can mean more opportunities to invest — in your family, your community, and your legacy.

Explore Premier Investing Services

With Citigold Private Client's Premier Investing Services, you can access a collection of investment opportunities, products, services, resources, and insights. Citi has extensive investment reach across global markets, while also providing opportunities for individualized customization.

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Alternative Investments

Whether you’re looking to round out your investment portfolio, enhance return potential, or mitigate risks, you have access to more than 100 Citi Personal Wealth Management (CPWM) alternative investment products.

  • CPWM offers multiple unique and exclusive private equity and private real estate investment opportunities each year.
  • If hedge funds are a better fit for your investing needs, CPWM offers access to a number of top tier fund managers employing numerous investment strategies.
  • The majority of the Citi Private Bank offerings are exclusive to Citi clients, and Citi clients can receive earlier allocations.

These are complex investments and not suitable for all investors.

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Charitable Planning

To help you support causes you care about, Citi’s charitable planning strategies provide avenues to integrate your philanthropic goals into your overall investment approach.

  • CPWM has partnered with American Endowment Foundation (AEF), the largest independent Donor Advised Fund in the U.S.
  • AEF’s Donor Advised Fund is a charitable investment account that provides simple, flexible, and efficient ways to manage charitable giving.
  • AEF has the capacity to receive simple assets such as cash and publicly traded securities, as well as privately-held stock, real estate, life insurance, and interests in LPs and LLCs, providing additional flexibility for donors.
  • Donations to AEF continue to be managed by your Wealth Advisor through Multi-Asset Class Solutions, BlackRock Model, Franklin Models or Separately Managed Accounts, allowing greater convenience.

AEF is not affiliated with Citi.

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High-Net-Worth Advisory

Citi’s capabilities for high-net-worth clients include specialty products and best-in-class investment resources.

  • Citigold Private Clients have access to a unique approach that integrates professional Separately Managed Account (SMA) managers and can include hedge fund portfolios.
  • For even more customization in unique cases, Citi Management team can create genuinely customized advisory strategies.
  • Citi offers a breadth of Separately Managed Account strategies through its advisory platform.
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Institutional Client Group Capabilities

The strength of Citi’s Institutional Client Group’s (ICG) underwriting, distribution capabilities, sales, and trading spans asset classes and currencies as well as sectors and industries — covering a vast array of products including:

Customized Structured Products
  • Customized notes created specifically around certain sectors or positions for clients.
Tailored Bond Solutions
  • The high-net-worth bond proposal tool incorporates positions at Citi and outside holdings to show duration, exposure, and credit of all bond holdings.
  • The high-net-worth report allows the advisor and client to manage income, their positions coming due, and their risk exposure.
Unique Service Opportunities Your Wealth Advisor has access to Citi’s Institutional Client Group (ICG), another channel for them to discuss customized investment strategies.
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Professional Investment Guidance

Your Citigold Private Client Wealth Team can help you develop an investment strategy customized to fit your needs while helping you leverage financial opportunities. Backed by the global resources of Citi, your Wealth Team can work with you to build a portfolio that covers multiple asset classes and investment opportunities across the globe.

Your team can also combine your investment strategy into a comprehensive financial plan with considerations such as protection strategies, current and longer-term needs, and advanced estate planning.

Through Citigold Private Client Investment Reserve, you can access a collection of investment opportunities, products, services, resources, and insights. Citi has extensive investment reach across global markets, while also providing opportunities for individualized customization.

Explore Investing

Alternative Investments

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Charitable Planning

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High-Net-Worth Advisory
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Institutional Client Group Capabilities
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Professional Investment Guidance
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  • World-Class Investment Capabilities
  • Investment Choices
  • Fees & Pricing

World-Class Investment Capabilities

Citigold Private Clients have access to all of the Citi Personal Wealth Management investment capabilities that Citigold clients do. Citi Personal Wealth Management world-class investment capabilities include:

An Open Architecture Investment Platform

Citi Personal Wealth Management’s robust, open architecture platform, provides you with more choices and flexibility in your portfolio.

Global Research

Citi’s global research organization includes hundreds of top ranked analysts across more than 60 countries.

Rigorously Vetted Traditional and Alternative Managers

Citi conducts extensive, intensive and ongoing manager screening, performance analysis, and monitoring so you can make informed investment decisions.

Capital Markets

Citi’s strength in capital markets enables clients to work toward more complex financial objectives through the use of structured products, securities trading, foreign exchange, and fixed income.

Syndicate Transactions

Citi is a market leader in new debt and equity origination in the U.S. and globally and receives significant allocations on syndicate deals. As a result, Citi can often provide clients with access to new issue investments that may not otherwise be available.

Investment Choices

Citi offers a range of investment and insurance products and services that can help you work toward your financial goals. These products include individual stocks, fixed income and mutual funds, as well as more sophisticated offerings like alternative investments and structured products.

Alternative Investments

Citi Personal Wealth Management offers more than 100 alternative investment products, including hedge funds, private equity, and real estate.

Annuities

Through Citi, you have access to annuity products including immediate, deferred, variable and fixed annuities.

Education Savings

Your Wealth Advisor can help you develop a financial plan that includes education and college savings strategies.

Exchange-Traded Funds (ETFs)

As a Citigold Private Client, you can make commission-free ETF trades.1

Insurance

You have access to a wide range of insurance products and annuities through Citi’s partnerships with 18 leading insurance carriers.

Managed Accounts

Citi’s variety of managed account types are backed by the resources and knowledge of Citi’s Global Managed Investment unit.

Margin Accounts

Citi provides margin lending as well as portfolio lines of credit for specific borrowing needs.

Municipal Bonds

Citi is a noted leader in both the primary and secondary municipal markets. Citi Municipal Securities has a team of experienced traders and salespeople located across the U.S. who facilitate liquidity and provide perspective on the market.

Mutual Funds

Citi’s partnership with more than 70 mutual fund companies means you have access to a broad range of mutual fund choices.

Retirement Savings (IRAs)

You can choose to invest in Traditional or Roth IRAs.

Securities-Based Borrowing2

A securities-based line of credit can help meet liquidity cash needs by unlocking the value of your investments without selling them. This type of borrowing may be easier to obtain and more flexible than other choices.

Small Business Products and Services

Citi can help small businesses meet their financial needs through cash management, business retirement plans, insurance needs, and succession planning guidance.

Stocks (Equities) and Options

Choose from a variety of equities and options, including U.S. domestic, international, emerging markets and non-U.S. dollar investments and you can make no-fee online equity trades.

Taxable Bonds (Fixed Income)

Choose from U.S. Treasury and agency securities, investment grade corporate bonds, high-yield corporates, mortgage-backed securities, preferred securities, international bonds, and emerging market debt.

Trusts and Estate Planning

Your Wealth Advisor can work with your tax and legal professionals to develop an estate plan to help leave the legacy you want for your beneficiaries.

Fees & Pricing

Equity and ETF Pricing

The following represents the equity and ETF commission schedule for Listed and NMS/Over the Counter stocks, rights and warrants.

ETFs Online/Mobile $0
Equities Online/Mobile $0
Service Center $65
Wealth Advisor Assisted Greater of 1.00% of Total Principal or $65

Option Pricing

The following represents the option commission schedule.

Online/Mobile $2.95 + $0.75/Per Contract
Service Center $65
Wealth Advisor Assisted $65 + $0.75/Per Contract

Equity block trading capabilities for transactions with a minimum of 10,000 shares may be available. To learn more about this capability, including the circumstances when it can be used and pricing, please speak to your Wealth Advisor.

Other investments like fixed income are subject to separate transaction fees. Contact your Wealth Advisor for more information about foreign security pricing1, or call 1-800-846-5200 | Speech or Hearing Impaired Customers Dial: 711

The terms, fees and conditions of accounts, products, programs and services are subject to change. Additional fees may apply.

Service Center pricing and Wealth Advisor Assisted pricing do not apply to Self-Service accounts.

Foreign settlements are defined as securities traded on foreign exchanges (ADRs are not included).

Annual Account Fees

Non-Retirement Investment Account $0
Individual Retirement Account3 $0
Corporate Retirement Plan4 $0

A Wealth of Knowledge at Your Fingertips

Citigold Private Clients have access to perspectives backed by extensive market knowledge and intellectual capital. Citi’s top strategists provide timely insights on the economy and the markets through monthly Market Snapshots and client communications, webcasts and events.

MARKET OUTLOOK
Traveling to the Post-COVID World: New Portfolios for a New Economy

We are delighted to share with you the Citi Private Bank Mid-Year Outlook 2021, which presents their expectations for the global economy ...

Learn More on Traveling to the Post-COVID World: New Portfolios for a New Economy

WEBCAST
2021 Mid-Year Outlook on U.S. Markets

Join Shawn Snyder, Head of Investment Strategy, Citi U.S. Wealth Management, and Joe Fiorica ...

Date: Thursday, June 17, 2021
1:00 PM – 2:00 PM EST

Register Now for the 2021 Mid-Year Outlook

MONTHLY MARKET SNAPSHOT
Investors Bought In May

The old market adage of "Sell in May and Go Away," did not happen. To the contrary, global equities actually rose 1.4% in the month. In the ...

Learn More on Investors Bought In May

2020 Market Outlook: Back to the Future (Video 9:31)

Ready to Learn More?

Call: 1-888-500-5008   |   Speech or Hearing Impaired Customers Dial: 711
Existing Citi Customers: Sign On to Contact your Wealth Team

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INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED

Citigroup Inc. and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Asset allocation and diversification do not guarantee a profit or protect against loss.

All mutual fund products are sold by prospectus, which contains more complete information about the fund. Please contact your Financial Advisor for copies. Please read the prospectus and consider the fund’s objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information about the fund.

Investors should carefully consider the variable annuity/sub–accounts’ objectives, risks, charges and expenses. This and other information is found in the prospectus, which should be read carefully before investing. Please contact your Financial Advisor for a copy of the prospectus.

Insurance and annuity guarantees are backed by the claims-paying ability of the issuer.

Bonds are affected by a number of risks, including fluctuations in interest rates, credit risk and prepayment risk. In general, as prevailing interest rates rise, fixed income securities prices will fall. Bonds face credit risk if a decline in an issuer's credit rating, or creditworthiness, causes a bond's price to decline. High yield bonds are subject to additional risks such as increased risk of default and greater volatility because of the lower credit quality of the issues. Finally, bonds can be subject to prepayment risk. When interest rates fall, an issuer may choose to borrow money at a lower interest rate, while paying off its previously issued bonds. As a consequence, underlying bonds will lose the interest payments from the investment and will be forced to reinvest in a market where prevailing interest rates are lower than when the initial investment was made.

Depending on your state of residency, some bonds may be exempt from state and local taxes; however, interest may be subject to the federal Alternative Minimum Tax.

As a Citigold Private Client, you can receive banking and lending services, including The Citigold Account Package, from Citibank, N.A. (“Citibank”), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citigold Private Client Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

  1. Commission-free trading of ETFs excludes leveraged and inverse ETFs and applies only to trades placed online and on the Citi Mobile App. Clients will pay a commission to buy or sell ETFs by phone. ETFs are subject to management fees and expenses; refer to each ETF"s prospectus for more information. Account service fees may also apply
  2. Borrowing against securities may not be suitable for everyone. If the value of the securities should decline below a minimum level, you may be subject to a collateral call without specific advance notice, requiring you to deposit additional cash or securities. If you cannot do so, all or a portion of your collateral could be liquidated, and a potentially taxable event could result. You are not entitled to choose which securities are sold or any extension of time to meet a collateral call. A concentrated portfolio holding a single or a few securities may be subject to greater risk of a collateral call than a diversified portfolio; a diversified portfolio will tend to be less subject to a sharp decline resulting from the negative performance of a single security. Availability, qualifications, and other restrictions may vary by state. Ask your Financial Advisor for details.
  3. Includes Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, Education Savings Account, Beneficiary IRA (Beneficiary IRA fee waived in first year only).
  4. Includes 401(k), SAR SEP IRA, Profit Sharing Plan, and Money Purchase Plans. This fee is charged at the plan level, participants of these plan types are not charged the annual fee.

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Securities-Based Borrowing

A securities-based line of credit can help meet liquidity cash needs by unlocking the value of your investments without selling them. This type of borrowing may be easier to obtain and more flexible than other choices. Some of the advantages of securities-based borrowing include:

  • Access to cash when you need it, potentially avoiding capital gains taxes from selling securities1
  • Typically, lower rates than other forms of credit
  • No set-up, non-use, or cancellation fees
  • Ability to borrow between 50% to 95% of your eligible assets, depending on the collateral and type of credit you receive

These lines of credit can be used for many purposes. Common uses include:

  • Home renovations
  • Real estate purchases1
  • Expenses such as taxes
  • Boat, car, or other luxury purchases
  • Business opportunities
  1. You can use a non-purpose securities-based line of credit for any purpose except to purchase, carry, or trade securities; refinance or repay margin loans; or repay any other loan used for securities purchases. A margin account is the only securities-based line of credit you may use to purchase securities.