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    That's where Citi Personal Wealth Management can help. Our Financial Advisors can define an investment strategy based on your goals, time horizon and comfort level with risk. We offer a variety of investment advisory services accounts and programs that let you tap into Citi’s views on asset allocation, our global investment research and the capabilities of professional money managers. You decide how involved you want to be in the management of your portfolio—and then your Financial Advisor can help you select the advisory programs and services best suited to you. Our programs follow a simple 5-step process:

    • Understand your needs
    • Select an appropriate program for you
    • Develop an asset allocation strategy
    • Select securities to construct your portfolio
    • Monitor, adjust, evaluate, manage

    Citi-Managed Mutual Fund and
    Managed ETF Programs

    Our Managed Mutual Fund Program and Managed ETF Program relieve you of the day-to-day investment decisions involved with managing a complex portfolio. You will own mutual funds and exchange-traded index funds (ETFs) that are screened by Citi Investment Manager Research, while your mix of funds will reflect a careful analysis of current market trends by our Global Investment Committee.

    These programs help create clearly defined asset allocation strategies, which are designed so that your portfolio is well-diversified and that it's balanced to reduce overall portfolio volatility. And once we've built your portfolio, we continually monitor the changes and trends in the markets, so we can make appropriate adjustments to your holdings.

    Citi Separately-Managed Account Program

    With Citi Separately-Managed Account (SMA) Program, you get professional money management, while also having the control and visibility of owning individual securities. The professional investment management firms participating in the program are screened by Citi Investment Manager Research using stringent criteria for performance, style consistency and organizational depth and stability. Citi SMA Program also lets you take advantage of:

    • Tax management: you can manage your tax liability by instructing your manager to sell certain securities to take gains or losses
    • Ability to impose investment restrictions: you can specify individual companies or industries you wish to avoid based on social considerations or because of other holdings you have
    • Transparency: you'll always know which securities you own and how much you're paying in money management fees
    • Service: your Financial Advisor will monitor your portfolio and your manager's performance, and suggest modifications when appropriate

    Citi Unified Managed Account Program

    Citi Unified Managed Account (UMA) Program provides asset allocation from our Global Investment Committee coupled with a universe of professional investment managers, mutual funds and ETFs, all carefully screened by Citi Investment Manager Research. With the Citi UMA, you get:

    • A diverse, yet complementary, blend of investment managers whom we consider leaders in their respective investment disciplines
    • The ability to combine professional investment managers, mutual funds and ETFs in one brokerage account
    • The opportunity to customize your portfolio by selecting from a recommended roster of managers, or you can let your Financial Advisor choose on your behalf
    • A single quarterly performance report that helps you track your overall investment performance

    Citi Portfolio Manager Program

    Through the Portfolio Manager program, you allow your Financial Advisor to take on the responsibility for making day-to-day investment decisions. This relieves you of the stress and time-commitment of making these decisions yourself. To serve as your Portfolio Manager, your Financial Advisor must have significant experience as an advisor, as well as advanced training, including passing stringent portfolio management and construction exams. These requirements ensure that your Financial Advisor has the knowledge and experience necessary to make informed decisions about your portfolio.

    The benefits include:

    • A customized portfolio based on your goals, objectives and risk tolerance
    • Personal service and sound advice backed by a wide array of Citi resources
    • Performance monitoring to keep you informed
    • The convenience of an annualized fee based on the value of your investments

    Citi Portfolio Advisor Program

    With Portfolio Advisor, your Financial Advisor helps you develop an asset-allocation plan and investment recommendations based on your needs, goals and today's market conditions. As with our other programs, you will have the knowledge that the specific investment decisions you make are based on sound, reliable and unbiased advice. But, ultimately, you make the final investment decisions. You pay just one annualized fee based on the assets held in your account, so you won't have to worry about commissions. The planning process comprises 4 steps:

    • Measuring risk tolerance and determining your financial objectives
    • Developing your asset-allocation strategy
    • Helping you evaluate and select appropriate investments
    • Ongoing monitoring and review
    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

    You are viewing Rates and Terms & Conditions applicable to a state other than where you live. These Rates and Terms & Conditions may differ from those applicable to your state of residence and will not apply to new accounts you open online. When you open your new account online, Rates and Terms & Conditions will be determined by your state of residence.

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