Investment Funds Online - Features & Benefits

Q: What is a Unit Trust?

A Unit Trust (also known as a collective investment scheme) is a pool of money managed collectively by a fund manager. You invest in a Unit Trusts by buying units in a trust. Your money will be pooled with that of other investors and invested in a portfolio of assets to achieve the investment objective of the Unit Trusts. When a Unit Trusts is first launched for sale, the price of each unit is usually fixed. If you invest in an existing Unit Trusts, the price of each unit will be based on the market value of the underlying assets that the Unit Trusts has invested in. The number of units you will receive depends on the amount of your investment less the sales charge you have to pay. As Unit Trusts are generally considered medium to long-term investments, you should have the financial resources to stay invested in them for a reasonable period of time so as to gain the full benefits. If you need to convert your investments to cash in the short-term to meet specific needs, a Unit Trusts may not be suitable for you.

Q: What do I need to start investing in Unit Trusts on Citibank Online?

You will need a Citibank checking / savings account and a Unit Trusts account. You will also need to complete an Investment Risk Profile to determine if Unit Trusts is a suitable investment product for you.

Q: What are the Unit Trusts functions available on Citibank Online?

You will be able to view your Unit Trusts portfolio, buy / sell / switch / set up a Regular Savings Plan (RSP). You will also be able to open a Unit Trust account.

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Citibank customer enjoying smart, simple way to grow her wealth with Unit trusts.

INVESTMENT FUNDS

A smart, simple way to grow your wealth.

Now on the Citi Mobile^® App for you to invest anywhere you are.

What are Investment Funds ?

An Investment Fund (also known as a Mutual Fund) is a pool of funds collectively managed by a professional fund manager. Here, your money is pooled with other investors to form a fund that is invested into a variety of assets to meet various specific investment objectives.

Investment Funds allow you to:

Diversify your investment portfolio

Manage your risks

Invest in increasingly complicated financial markets at a low minimum investment amount

Features of Citi Investment Funds

Buy and sell Investment Funds conveniently on Citibank Online and Mobile.

Invest from S$100 with a monthly Regular Savings Plan (RSP).

Switch your investments between Investment Funds to manage risks and opportunities.

Track your Investment Funds portfolio with ease.

Access to Fund Explorer, an analytical tool for Investment Funds.

Compare against Citi's Model Portfolios.

Discover a suite of new investment features designed for smarter mobile investing.

Now you can grow your wealth on-the-go with Investment Funds on the Citi Mobile^® App.

Invest in every opportunity

Make the most of investment opportunities anytime, at your convenience.

Citibank customer getting a 360-degree view on his investment portfolio

Get a 360-degree view

View your portfolio and monitor returns with ease.

Citibank customer exploring a new investment tool with unit trusts mobile features

An all-new investment tool

Unique Investment Funds mobile feature lets you search and compare up to three funds at the same time.

How to get started?

From Citi Mobile^® App:

Simply log in to your Citi Mobile App > Tap on invest/wealth and the app will journey with you through your first Investment Fund.

From Citibank Online:

Step 1:
Open An Investment Fund account
Step 2:
Complete your Investment Risk Profile
Step 3:
Invest in Investment Funds online

Login to Citibank Online with your User ID and Password.
Click on Services → Investment services → Open an investment Funds account.
Select a relationship number and debiting account(s) for your Investment Funds transactions.
Confirm your selection and your Investment Funds account will be opened.

Login to Citibank Online with your User ID and Password.
Click on Services → Investment services → My Risk Profile.
Select a relationship number and choose your funding account.
Complete the Investment Risk Profile Form and click on Know My Profile.
For updating of your Customer Knowledge Assessment (CKA), please click on Update My CKA after your risk profile has been updated or click on Customers Declaration Forms under Investment Services if your risk profile is up-to-date.

Login to Citibank Online with your User ID and Password.
Click on Wealth Management → Investment Funds → Trade Now.
Select "Buy" and select your preferred Investment Funds.
Select your debiting account and investment amount.
Upon confirmation, your subscription order will be sent for processing.

Click here to find out how you can start a Regular Savings Plan.

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Take your first step towards Investment Funds today.

Learn how to invest in your first Investment Funds in minutes with a simple step-by-step guide.

> See demo

Tap into Investment Funds on mobile now.

Take advantage of every investment opportunity on the Citi Mobile^® App. Here's how:

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FAQs

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What is an Investment Fund?

An Investment Fund (also known as a collective investment scheme) is a pool of money managed collectively by a fund manager. You invest in an Investment Fund by buying units in a trust. Your money will be pooled with that of other investors and invested in a portfolio of assets to achieve the investment objective of the Investment Funds. When a Investment Funds is first launched for sale, the price of each unit is usually fixed. If you invest in an existing Investment Fund, the price of each unit will be based on the market value of the underlying assets that the Investment Funds has invested in. The number of units you will receive depends on the amount of your investment less the sales charge you have to pay.

As Investment Funds are generally considered medium to long-term investments, you should have the financial resources to stay invested in them for a reasonable period of time so as to gain the full benefits. If you need to convert your investments to cash in the short-term to meet specific needs, an Investment Fund may not be suitable for you.

What do I need to start investing in Investment Funds on Citibank Online?

You will need a Citibank checking / savings account and an Investment Fund account. You will also need to complete an Investment Risk Profile to determine if Investment Funds is a suitable investment product for you.

What are the Investment Funds functions available on Citibank Online?

You will be able to view your Investment Funds portfolio, buy / sell / switch / set up a Regular Savings Plan (RSP). You will also be able to open An Investment Fund account.

Can I buy Investment Funds with my joint accounts?

Yes. Take note that your joint account needs to be assessed for Customer Knowledge Assessment. Please contact your Personal Banker or Relationship Manager for assistance.

Is the Net Asset Value ("NAV") indicative at the point of transaction?

Yes. As NAV is computed once a day based on the closing market prices of the securities within the Fund's portfolio, the NAV that is reflected at the point of transaction reflects the last available historical price. If your transaction is placed and accepted before the Fund's cut off time, the transaction will be processed and priced for the same day. If the transaction is placed and accepted after the cut off time, the transaction will only be processed and priced for the next working day. The actual NAV will be available 2 business days after the transaction date.

What is a Regular Savings Plan (RSP)?

You can set up a Regular Savings Plan online to automatically subscribe into an investment fund on a monthly basis at a minimum amount of $100 over a period of time. The debit date indicated during the set up will take place unless it falls on a non-business day, in which case, debiting of funds will take place on the next business day.

When will my buy orders be completed?

All buy orders will be completed within 5 business days (T+5) from the day they are transacted, T being the transaction date of the buy order. Once the transaction process is completed, the units of the funds will appear under the investment holdings in your account. All units are priced based on the Net Asset Value of the transaction date.

What is the cut off time for an online order to be processed on Citibank Online?

The cut off time to process an online order is 4pm (Singapore time) on any business day. Orders placed after 4pm on a business day will be processed on the next business day. Orders placed on a non-business day will be processed on the next business day.

How can I view my holdings?

You can view your holdings by logging in to Citibank Online and clicking on Investments > Investment Funds > Portfolio Overview. You will be able to track the profit and loss of your investments easily as the current values of the funds are updated daily.

How long does it take for redemption proceeds to be settled?

Redemption cycles would usually take up to 5 business days (T+5) from the day they are transacted. Once completed, sales proceeds will be settled into your designated settlement account.

Can I buy a foreign currency denominated share class of the Investment Funds?

Yes. However, all settlements of transactions will need to be made in the same currency that the share class is denominated in. Therefore you will need to set up a settlement account denominated in the relevant foreign currency for the transaction. Please contact your Personal Banker or Relationship Manager for assistance.

Can I cancel my transactions online once it's confirmed?

Transactions confirmed online cannot be cancelled. Please contact your Personal Banker, Relationship Manager for assistance.

What are the sales charges for online transactions?

Online purchases are subject to sales charge of up to 1.5%. All sales charges are reflected on the pre-confirmation page when you place an Investment Fund order via Citibank online or the Citi Mobile^® App. There is no sales charge for redemption/selling of Investment Funds.

Elevate your investment journey with Investment Funds on the Citi Mobile^® App.

Disclaimer

Investment products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup, Inc or any of their affiliates or subsidiaries unless specifically stated. Investment products are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices can go up or down. Investors investing in investment and/or treasury products denominated in non-local currency should be aware of the risks of exchange rate fluctuations that may cause a loss of principal when foreign currency is converted back to the investors' home currency. The information on this webpage does not constitute the distribution of any information or the making of any offer of solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised or to any person to whom it is unlawful to distribute such document or to make any offer or solicitation.

Investment Funds listed on Citibank Online or the Citi Mobile^® App do not take in to account the investment objectives or financial situation of any particular person. Prior to entering in to a transaction, prospective investors should consult with their own legal, tax, financial, accounting and such other advisors to the extent they consider necessary, and make their own investment, hedging and trading decisions (including decisions regarding the suitability of the transaction) based on their own judgment and advice from those advisors. Investors should also read the relevant prospectus / offer documents (which are available upon request at branches of Citibank Singapore Limited) before investing in any Investment Funds. All applications for Investment Funds are subject to Terms and Conditions specific and must be made on the application forms accompanying the prospectus or otherwise prescribed by the issuer.

Investment products are not deposits, are not subject to the provision of the Deposit Insurance Act and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for Deposit Insurance Coverage under the Deposit Insurance Scheme.

Investment products are not available to U.S. persons and may not be available in all jurisdictions.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Annualised Returns (%)	3.0
Standard Deviation (%)	3.6
Max Drawdown Return (%)	4.0

Annualised Returns (%)	10.6
Standard Deviation (%)	7.5
Max Drawdown Return (%)	9.3

Annualised Returns (%)	12.7
Standard Deviation (%)	10.0
Max Drawdown Return (%)	13.6

Annualised Returns (%)	13.7
Standard Deviation (%)	11.0
Max Drawdown Return (%)	15.0