Long Term Investments
Diversify your investments across geographies and prepare long-term investment plans based on your risk and return objectives.
Long-term investments are investments that are continued for a longer span, typically for a period of 3, 5, or 10 years.
These investments help in the diversification of investment portfolios.
Long-term investments can help ride out market fluctuations.
Long-term Investment Options Offered by Citigold
Citigold offers its customers an array of long-term investment options that can help them fulfill their financial goals. The following are the long-term investment options offered by Citigold:
- Fixed Income Securities - Investors receive a fixed amount of interest over a particular frequency (typically annually or bi-annually).
- Time deposits – It is a fixed amount investment with a pre-set date of maturity and offers investors a fixed amount of interest upon the end of the term.
- Mutual Funds – It is an investment product that consists of a portfolio of stocks, bonds, or other securities. It offers investors diversified and professionally managed portfolios.
- Structured Notes - It is a debt security issued to customers. It usually comprises a fixed-income component and a derivate component.
Product disclaimers
This website does not constitute any offer or solicitation to buy or sell. Investors should refer to the relevant offering document(s) for detailed information and applicable terms & conditions prior to subscription. Investment products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to Investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors home currency. Investment and Treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and Treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not provide legal and/or tax advise and are not responsible for advising him/her on the laws pertaining to his/her transaction. Citibank UAE does not provide continuous monitoring of existing customer holdings.
Product disclaimers
Citibank's General Terms and Conditions apply, are subject to change and are available upon request. Prior to booking, varying or withdrawing a Term Deposit, please refer to the current General Terms and Conditions. On the opening of a Time Deposit, Citibank will issue a confirmation advice stating the principal sum, the term and the rate of interest payable. Interest on the deposit will be paid on maturity. The Time Deposit is subject to the minimum balance limit determined by Citibank from time to time. Unless otherwise instructed by the Customer on or before the date of maturity, a Time Deposit may, at Citibank's discretion, be automatically renewed for like periods of time at the interest rate determined by Citibank to be in accordance with prevailing market returns in respect of such deposits. Where a Customer withdraws a Time Deposit early this will be subject to the payment of a fee, penalty and/or charge as Citibank deems appropriate in the circumstances and which may be modified from time to time. Early withdrawal of Time Deposits is subject to the provisions of the General Terms and Conditions. Citibank shall deduct a fee of up to AED 50 from the amount of interest earned where there is any early withdrawal of a Time Deposit. The Customer acknowledges that Citibank may at its discretion vary the provisions applicable to early withdrawal of Time Deposits including but not limited to the interest rate and the basis of calculation of the interest rate applicable from time to time. All securities and property held by Citibank in the Customer's name, including time deposits, may be held as security for the payment of any amounts due to Citibank from the Customer.
Product disclaimers
This website does not constitute any offer or solicitation to buy or sell. Investors should refer to the relevant offering document(s) for detailed information and applicable terms & conditions prior to subscription. Investment products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to Investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors home currency. Investment and Treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and Treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not provide legal and/or tax advise and are not responsible for advising him/her on the laws pertaining to his/her transaction. Citibank UAE does not provide continuous monitoring of existing customer holdings.
Product disclaimers
This website does not constitute any offer or solicitation to buy or sell. Investors should refer to the relevant offering document(s) for detailed information and applicable terms & conditions prior to subscription. Investment products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to Investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors home currency. Investment and Treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and Treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not provide legal and/or tax advise and are not responsible for advising him/her on the laws pertaining to his/her transaction. Citibank UAE does not provide continuous monitoring of existing customer holdings.
Frequently Asked Questions
Frequently Asked Questions
What are long-term investments? What are the long-term investment options offered by Citibank?