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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.

Bonds are fixed income securities that offer regular income and play a significant role in providing stability to your portfolio. Whether you want to build your wealth or diversify your investment portfolio, bonds are an attractive investment avenue that can fulfil both objectives.

At Citi, you get access to a wide selection of bonds issued by reputable organizations from around the world. Choose from a variety of credit ratings based on your risk appetite and investment objectives. Investing in bonds will potentially help you secure a steady income and an opportunity for capital appreciation.

Enjoy a wide selection of bonds issued by reputable organizations worldwide with tenors and currency denominations to achieve your long term investment goals.

Fixed Rate Bonds - These bonds pay the same amount of interest for their entire tenure.
Floating Rate Bonds - These bonds have a variable interest rate that are typically tied to market interest rates. When the reference market interest rate increases, the interest return may increase accordingly and vice versa
Zero Coupon Bonds - A zero coupon bond makes no periodic interest payment, but instead it is usually offered at a discount from its face value. The return will be reflected from the gradual appreciation of the bond which is redeemed at face value on maturity date

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.

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Time Deposit or Fixed Deposit preserves your principal while earning you a fixed interest for a predetermined tenor. Whether you want to save for a new car or a dream vacation, plan for your goals confidently, with a Time Deposit Account.

Choose from a wide range of tenors and major currencies from around the world. Additionally, Citi offers you competitive fixed deposit interest rates to help you grow your savings faster.

Minimum deposit of AED 1,000 or its equivalent
Tenors including; 1 month, 3 months, 6 months, and 1 year
Select various tenors to suit your needs ranging from 30 days to 1 year
Product available for local and major currencies

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.

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Mutual Funds are professionally managed investment vehicles that pool capital from many investors to invest in multiple stocks, bonds and other securities. They can be traded online 24x7 at Citibank online at competitive prices.

Click here to view a full list of mutual funds.

A Systematic Investment Plan (SIP) is designed to help you accumulate wealth by investing in equities through smaller fixed amounts at regular intervals. There are a number of benefits to building a SIP, all which will help you achieve your financial goals.

Investing systematically means you are buying fewer units when equity markets are high and more units when the markets are low, thereby bringing down your average cost
You can choose from various funds spread across asset classes
Unlimited fund replacement options and no exit/surrender charges (for class A) in case you wish to redeem your investments
Given the low minimum monthly contribution, you can easily include SIP without altering your monthly budgets or lifestyle while making contributions towards building your financial future

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.

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A Structured Note is a type of structured investment product that combines capital growth with protection so that you can diversify your wealth management strategy.

By investing in Structured Notes, you can reap the benefits of a variety of underlying assets such as equities, bonds, currencies and commodities. In essence, a Structured Note is designed to help you diversify your portfolios and provide a better risk-reward experience.

Structured Notes are flexible and can be tailored to play out with your investment strategies.
Returns on Structured Notes are linked to the performance of one or more underlyings, such as a particular equity, index, commodity, foreign exchange rate, interest rate, mutual fund or others, or a combination of any or all of them.
Structured Notes may compose of diverse derivatives and fixed income investments.

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.

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Frequently Asked Questions