Grow Your Wealth

Success begins with a commitment Wealth begins with a conversation

You have always been driven to succeed on your own merit. At Citigold, we understand your goals and help manage portfolio to realize your financial objectives. Citigold will help you to grow on your wealth over time, with a dedicated Relationship Manager and a team of Investment Consultants to provide trusted financial advisory partnership.

Expert Team

Team-based relationship management

What sets Citigold apart are its people. Citigold team of experts comprises of highly trained and internally certified professions in investment, business banking and other financial areas. In addition, we have a professional team of analysts who gather data on stock market trends to develop in-depth market analysis for your perusal. So whether you're planning your children's education or singularly building your net worth, your Citigold team of experts can help you to identify the appropriate banking, investment, based on an understanding of your financial goals and appetite for risk.

Bringing you expert views

Understanding financial markets is an important part of managing your wealth. Citigold can help you keep up-to-date with our periodic market analysis. Our expertise spans continents and sectors which can help your portfolio growth potentially.

Comprehensive evaluation of your financials

In the hands of your relationship team, Citibank Portfolio Tracker can provide you and your relationship team with a clear objective assessment of the state of your portfolio.

In addition, you will also receive the latest reports on economic trends, currency markets, stocks and more to help you keep abreast of developments that will impact your financial decisions.

Planning tools

At Citigold, we help you formulate a total wealth management solution. You will be updated regularly with on your portfolio performance as well as the financial market, making your investment management even more effective.

During this process, we will endeavor to:

Developed exclusively for Citigold clients, both the Citi Planner and the Citi Planner Portfolio Tracker help us understand, plan and monitor your financial situation and requirements.

Citi Planner*

You can now establish a customized financial portfolio with Citi Planner, our proprietary financial analysis tool. By harnessing this tool, we are able to understand your current financial position and wealth management goals better.

Citi Planner Portfolio Tracker

Using our Citi Planner Portfolio Tracker, your financial portfolio will be reviewed regularly. Your Relationship Manager, together with the Client Advisory Group, will also undertake to discuss your portfolio with you on an ongoing basis.

*The Citi Planner is an analysis of your financial needs and should be considered as only a guide for you to use in deciding how best to attain your financial goals. It is not intended to substitute financial consulting or planning services. The calculations and assumptions are based on the information you provide and the prevailing economic environment. Therefore, the more accurate your assumptions and detailed your information, the more helpful the outcome will be

Model Portfolio

At Citibank, we believe that successful investing begins with a sound and diversified asset allocation plan. Hence, we encourage all investors to have investment portfolios that are sufficiently diversified at all times which will potentially minimize certain risks of investments. To help customers better achieve this goal, we are pleased to provide you with Citibank Model Portfolios that can help you diversify your investment portfolio and serve as an asset allocation reference tool, for your investment through mutual fund, both for periodic evaluation and prospective investments.

Asset Allocation for your investment through mutual fund. How does it work?

It helps to determine how you should allocate your investment in different asset classes through mutual fund in order to achieve a balance between risk and return.

While the asset allocation for your investment through mutual fund approach is based on portfolio optimization which aims to minimize risk for any given level of return, it does not eliminate risk or capital loss, or promise any predetermined return or risk level.

Expand Your Wealth Globally

To help you with choosing the right fund for your portfolio, we present Citi's view on asset allocation, along with a selection of mutual funds for your diversification beyond the local equity market.

Expand Your Wealth Globally
  • US/Global Investment Grade Bonds
  • US/Global Equities
  • Asia ex Japan Equities
  • US/Global High Yield Bonds
  • Europe Equities
  • EM-ex-Asia/Global EM Equities
  • Asia/Emerging Marketing Bonds
  • Japan Equities
  • Cash
Asset Class Conservative Moderate Aggressive Very Aggressive Specialized

Fixed Income

US/Global Investment Grade Bonds 47% 16% 10% 1% 1%
US/Global High Yield Bonds 0% 2% 1% 0% 0%
Asia/Emerging-Market Bonds 46% 16% 10% 2% 2%


US/Global Equities 0% 17% 21% 26% 26%
Europe Equities 0% 9% 12% 15% 15%
Japan Equities 0% 3% 3% 4% 4%
Asia ex Japan Equities 0% 34% 42% 51% 51%
EM-ex-Asia/Global EM Equities 0% 0% 1% 1% 1%


Cash 7% 3% 0% 0% 0%


Commodity 0% 0% 0% 0% 0%

Source: Regional Model Portfolio (AVS2-Methodology) Updated as of Q4-2015

Open Architecture Platform

Discover 4 reasons why Citigold is your distinctive partner in wealth management.

  1. Citigold provides expert views from our global research team, highlighting areas of opportunity to invest without any geographic boundary.
  2. Citigold supports your investment priority with a carefully selected list of over 90 funds covering across all key global markets from our fund management partners. You will not be constrained by any particular fund house selection of funds.

    Aberdeen Asset Management Krungsri Asset Management KTAM
    Manulife Asset Management SCB Asset Management
  3. You can diversify your investment portfolios across the globe with our products on shelf and take advantages of opportunities in currency movement with foreign currency accounts.
  4. Access to Quarterly economic seminars and weekly research publication to help you take advantages of investment opportunities.

Click here to learn more about our Citigold investment products.


Investment products are (a) not insured by any government agency; (b) not a deposit or other obligation of, or guaranteed by, the depository institution; and (c) subject to investment risks, including possible loss of the principal amount invested. Past performance is not indicative of future results: prices can go up or down.

This is neither an offer nor solicitation to purchase or sell any security, other investment or service or to attract any funds or deposits. This document does not constitute the distribution of any information or the making of any offer or solicitation by any one in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such document or make any offer or solicitation. Investors investing in investment products denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Investment products are not available to US Persons and may not be available in all jurisdictions.

Portfolio diversification is an important element for an investor to consider when making investment decisions. Concentrated positions may entail greater risks than a diversified portfolio. Certain factors that affect the assessment of whether your overall investment portfolio is sufficiently diversified may not be evident from a review of only your account with Citibank. It therefore is important that you carefully review your entire investment portfolio to ensure that it meets your investment goals and is within your risk tolerance, including your objectives for asset and issuer diversification. To discuss your asset allocations and potential strategies to reduce the risk and/or volatility of a concentrated position, please contact your personal banker/relationship manager.

Citibank's Model Portfolio is not a program or offering, but is a diversification tool that is meant for reference purposes only. Model Portfolios are: (i) not binding on the part of the customers; (ii) not monitored by Citibank with respect to customers' individual investment holdings; and (iii) not personalized to the specific needs of any individual customer. Citibank's Model Portfolios are not available to US Persons and may not be available in all jurisdictions.

This document is for information only and does not constitute an invitation or offer to acquire, purchase or subscribe for any securities, investment or service, or to attract any funds or deposits. The information contained in this document does not constitute an offer for sale in any jurisdiction in which such offer is or may be prohibited, restricted or subject to any requirement for filing, authorization, license or consent. While Citibank, N.A. Bangkok Branch has taken reasonable care to ensure that the information in this document is accurate at the date of this document, Citibank, N.A. Bangkok Branch accepts no liability for the accuracy or completeness or use or reliance of, nor any liability to update, the information contained in this document. In particular, actual results and developments may be materially different from any forecast, forward-looking statement, opinion or expectation expressed in this document.

You acknowledge and agree that the "Model Portfolio(s)" referred to in this document are merely references to illustrations of recommended asset allocations based on your risk profile and investment objectives and that such "Model Portfolio(s)" are not personalized to your specific investment needs. The "Model Portfolio(s)" are arrived at and are provided to you without having regard to any underlying portfolio of investments which you may have or hold. You further acknowledge and agree that these "Model Portfolio(s)" are provided as at a specific point in time and will not be actively monitored by Citibank, N.A. Bangkok Branch with respect to your individual investment holdings and that Citibank, N.A. Bangkok Branch does not undertake to, and is not obliged to, undertake a review, manage or monitor your investment holdings or to track your investment holdings against any "Model Portfolio". You also acknowledge and agree that no investment advisory or fund management services are being provided to you by virtue of the "Model Portfolio(s)" and that you will be solely responsible for your own decisions on investments and you will not rely on Citibank, N.A. Bangkok Branch or any of its agents, officers or employees in any way in relation to such investments and/or the asset allocation of your investments.

Thailand Specific Disclaimer
This Citibank Model Portfolios contains general information and insights distributed in Thailand by Citigroup and are made available in English language only. Citi does not dictate or solicit investment in any specific securities and similar products. 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.

This Citibank Model Portfolios is provided as guidance for your investment through mutual fund only without any legal binding, responsibility or liability between you and Citibank, N.A. Bangkok Branch. It is also subjected to your individual risk profile and must be in compliance with the SEC's regulations as usual.

Contact Us:

  • Speak to our Citigold Relationship Manager at  
  • Visit our Citigold Wealth Management Center at following branch:-