Regular Savings Plan (RSP) is a disciplined way of saving through regularly investing an equal amount of money into the mutual fund of your choice to even out the ups and downs of the market and average down the unit cost of your invesment. RSP uses an investment method called dollar-cost averaging to proctect investors from most of the volatility of stocks.
Affordable
Invest without significant capital
Power of compounding
Helps grow a small sum of money into a substantial amount over a longer time horizon
Automatic and flexible
Monthly investment orders will be set up and processed automatically
Avoid market timing
Allows you to capitalize on market opportunities whenever they arise
Once your RSP instruction has been set up, it will automatically invest the specified amount on a monthly basis into the mutual fund that you have selected.
The type of mutual funds to include in your investment portfolio should relate to your individual profile. The illustration down below serves as a guide on which mutual funds to select for your portfolio.
Citi's Recommended Asset Allocation
Conservative
Fixed Income
90%
Cash
10%
Moderate
Fixed Income
43%
Equity
53%
Cash
4%
Aggressive
Fixed Income
18%
Equity
81%
Cash
1%
At Citibank, we believe that any investment portfolio should consist of different mutual funds and be diversified across asset classes. There are 6 broad categories of mutual funds:
Equity Funds
Equity funds will consist of the stocks of different companies
Fixed Income Funds
Fixed income funds can have bonds issued by coroporates or governments
Balanced/Mixed Funds
Balanced and mixed funds may consist of both equities and bonds
Commodity Funds
Commodity funds invest into the price of commodities such as gold
Tax Benefit Funds
Known as Retirement Mutual Fund (RMF) and Super Saving Fund (SSF); Tax benefit funds may consist of stocks or bonds issued in Thailand
Alternative Funds
Invest in non- traditional asset, such as real estate, commodities, and leveraged loans
Citibank offers over 200 best-in-class mutual funds, managed by reputed names in fund management, both onshore and offshore with Open Architecture Investment Platform. Funds come in many varieties, designed to meet different investor goals. There are equity funds, bond funds, and even multi-asset funds, which invest in a portfolio of many types of securities. Talk to your financial adviser today to find out if a fund is right for you or visit our Citi Fund Explorer.
Click here for more details on Citi Mutual funds
Citi Fund Explorer
Citi Fund Explorer is the latest mutual fund innovation for Citibank clients. You can now compare mutual fund as well as conduct an in-depth review of each fund at your own convenience through this easy-to-use online innovation tool
Access to full suite of mutual funds available at Citibank Thailand
Compare and view fund performance between different funds of your choice
Download the latest fund related documents, such as fact sheet, prospectus and annual reports in Thai and English
Find out how much you need to save or invest every month to reach your goal
My Wedding
From the prefect wedding to your dream honeymoon and every beautiful moment in between, save for your big day investing in RSP.
My Family
Because play time, study time, and holiday time all add up, grow your savings with RSP to give your child a head start in life.
My First Home
Take the existing step towards having a place to call your own and invest in RSP to help you save up for one of life’s most important purchases.
My Passion
Whether it is the latest model, a converted designer piece, or some me-time at an exotic location, start saving with RSP to realize your desires.
Find out how much you need to save or invest every month to reach your goal
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Citibank, N.A Bangkok Branch
Citibank, N.A. Central World Branch
Citibank, N.A. The Crystal Branch
Disclaimers:
Investment contains certain risk, please study prospectus before investing. Not an obligation of, or guaranteed by, Citibank. Not bank deposits. Subject to investment risks, including possible loss of the principal amount invested. Subject to price fluctuation. Past performance does not guarantee future performance. Not offered to US persons.