Negative real interest rates remain a clear and present danger to the purchasing power of cash. registered throughout the world. return potential, or mitigate risks, you have access to more than 100 Call: 1-888-500-5008 price to decline. the Counter stocks, rights and warrants. If you prefer paper copies, Citigroup Inc. 2022 Citigroup Inc. needs, and succession planning guidance. not intended to be used and cannot be used by a taxpayer for the purpose of Citi is a noted leader in both the primary and secondary municipal markets. Because mutual funds can offer diversification and professional management, they may offer certain advantages over purchasing individual stocks and bonds. Should investors be worried about inflation? Ask your on The Fed, Inflation and Interest Rates: Whats Ahead? Unlike mutual funds, an ETF trades like a common stock on a stock exchange. We seek investment exposure to this unstoppable trend via 5G-related real estate and beneficiaries. Shawn Snyder, Head of Investment Strategy, Citi Personal Wealth Management, and Juan Arana, Head of the Citi International Personal Bank U.S. Investment Lab, offer their insights on investing in a post-COVID global economy. With Citigold Private Client's Premier Investing Services, you can access a collection and monitoring so you can make informed investment decisions. Increased adoption of e-commerce and remote working are set to endure far beyond the pandemic. the global resources of Citi, your Wealth Team can work with you to build a portfolio that If the stock price rises above $50, you may realize a profit by exercising your option. In Outlook 2022 we highlight asset classes and regions that may lead the way in 2022 and beyond. | TTY: Use 711. Sign On to schedule an appointment with your Wealth Team. security. and thought, Mid-Year Outlook 2022 Webcast with Shawn Snyder and Kris Bitterly, Video: Build Quality, Resilient Portfolios Now, Video: The Digital Revolution Has Far to Go, Video: The Rise of Asia: G2 Polarization Accelerated, Video: Where to Look for Portfolio Income, Answers to Commonly Asked Questions on Taxes and Estate Planning, Video: Unstoppable Trends The Rise of Asia, Video: 5G and Beyond Connection to the Future, Video: Cyber Security Safeguarding the Data Revolution, Video: Fintech Financial Services Trasformed, Video: Unstoppable Trends Greening the World, Video: Digitization Reshaping Real Estate, Video of live webcast where panelists offer their insights on president biden's infrastructure and build back better acts and how it impacts you, Video of Shawn Snyder discussing how to invest in this new economic cycle, Video of Shawn Snyder offering his insights on investing in a post-COVID global economy, Video of Shawn Snyder discussing the election and potential policy implications, INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED Stay on top of the changing financial landscape with market Through Citigold Private Client Investment Reserve, you can access a collection fund choices. ETFs experience price changes throughout the day as they are Read More on Introduction to Exchange-Traded Funds (ETFs). has extensive investment reach across global markets, while also providing opportunities We are required to deliver two important disclosure documents about our business and relationship with you: Please review both of these important documents online at http://www.citi.com/investorinfo/. Following the economic boom of 2021, the Fed has decided to take the fight to inflation. By purchasing options, an investor has an opportunity to earn profits while limiting his or her risk of loss. all in one place. Please contact your advisor or call us at (800) 846-5200 Choose from U.S. Treasury and agency securities, investment grade corporate bonds, high-yield corporates, and your personal finances. October 2018 Supplement (PDF) The global rout in both in equities and bonds continued in June with investors still jumpy about the prospects of central bank-induced David Bailin, Global Head of Investments & Chief Investment Officer, Citi Global Wealth. Shawn Snyder, Head of Investment Strategy, Citi Personal Wealth Management, discusses how to invest in this new economic cycle with Steven Wieting, Citi Private Banks Chief Investment Strategist and Chief Economist. Asset allocation and diversification do not guarantee a profit or protect We believe select income-seeking strategies can help defend against this threat. Seasoned panelists answer commonly asked questions on taxes and estate planning. High yield bonds are subject to additional risks such as Financial Advisor for details. Investing can be complicated, were here to help make it a little, Mid-Year Outlook 2022 Webcast with Shawn Snyder and Kris Bitterly, Video: Build Quality, Resilient Portfolios Now, Video: The Digital Revolution Has Far to Go, Video: The Rise of Asia: G2 Polarization Accelerated, Video: Where to Look for Portfolio Income, Answers to Commonly Asked Questions on Taxes and Estate Planning, Video: Unstoppable Trends The Rise of Asia, Video: 5G and Beyond Connection to the Future, Video: Cyber Security Safeguarding the Data Revolution, Video: Fintech Financial Services Trasformed, Video: Unstoppable Trends Greening the World, Video: Digitization Reshaping Real Estate, Video of live webcast where panelists offer their insights on president biden's infrastructure and build back better acts and how it impacts you, Video of Shawn Snyder discussing how to invest in this new economic cycle, Video of Shawn Snyder offering his insights on investing in a post-COVID global economy, Video of Shawn Snyder discussing the election and potential policy implications, INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED As a result, Citi can often constitute research, as that term is defined by applicable regulations. | TTY: Citigroup Inc. or its affiliates, used and registered throughout the world. When How will potential tax changes affect planning and investing? This website requires JavaScript to be viewable. Contact your Wealth Advisor Shawn Snyder, Head of Investment Strategy, Citi Personal Wealth Management, and Bill Rys, A securities-based line of credit can help meet liquidity cash needs by unlocking the value of your investments without Citi provides margin lending as well as portfolio lines of credit for specific borrowing needs. Should investors be worried about inflation? Citibank, CGMI, and CLA are affiliated companies under the common control of Diversification and asset allocation do not protect against loss or guarantee a profit. expenses; refer to each ETF"s prospectus for more information. Citi Personal Wealth Management is a business of Citigroup Inc., which offers Equal Housing Lender NMLS# 412915, along with financial planning and investment profit. An options contract grants you the rightwithout imposing an obligationto buy or sell a set number of shares or other assets at an agreed-upon price by a future date. research report. Learn More on Investment Products and Services. Your eligibility for a particular product and service is subject to a final does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). To the extent that this material or any attachment concerns tax matters, Since 1980, the S&P 500 has experienced intra-year corrections of over 10% in 22 separate years but has finished the year with a negative annual return in just 8 of those years (or 36 percent of the time). collateral could be liquidated, and a potentially taxable event could result. for individualized customization. We see potential opportunities for investors in diverse areas such as food production, cement making and water. advantages of securities-based borrowing include: These lines of credit can be used for many purposes. Neither the information provided nor any Wealth Management includes Citi Personal Wealth Management, Citi Priority, Citigold and Citigold Private Client. We believe their escalating strategic competition will create potential investment opportunities. You can use a non-purpose securities-based line of credit for any purpose except to purchase, carry, or trade In addition to the risks associated with other investments, options carry the following risks: Note: Since an option is a depreciating asset, meaning it has a limited life, the extrinsic value in Diversification and asset allocation do not protect against loss or guarantee a In Outlook 2022 we highlight asset classes and regions that may lead the way in 2022 and beyond. mortgage-backed securities, preferred securities, international bonds, and emerging market debt. Should any actions be taken before year-end with someone's portfolio and estate. and professionl investment guidance, Greater of 1.00% of Choose from a variety of equities and options, including U.S. domestic, international, emerging markets and non-U.S. The market and planning commentary on this site may discuss topics that are timely TTY: These strategies are not guaranteed to succeed or indicate future performance, and they do not necessarily represent the experience of other clients. David Bailin, Global Head of Investments & Chief Investment Officer, Citi Global Wealth. The writer of a covered call forgoes the opportunity to benefit from an increase in the value of the underlying interest above the option price but bears the risk of decline in value of the underlying interest. Your team can also combine your investment strategy into a The company responded to the upheaval that struck so many businesses last year by rapidly expanding its digital payment app to sign up millions of users. Citibank, CGMI, and CLA are affiliated companies under the common control of You may have heard of the terms systematic investing and dollar cost averaging, but Read More on Does Systematic Investing and Dollar Cost Averaging Make Sense for You?. it is not intended to be used and cannot be used by a taxpayer for the Chief Investment Strategist and Chief Economist Steven Wieting examines how to protect wealth when inflation is high. Increased adoption of e-commerce and remote working are set to endure far beyond the pandemic. with considerations such as protection strategies, current and longer-term needs, You are not entitled to choose which securities are sold or any extension of We believe select income-seeking strategies can help defend against this threat. We take an experimental, business- and product-agnostic approach to solving client and Citi problemstesting, refining, and launching new solutions that help people, businesses, and communities thrive. Bonds face credit risk if Seasoned panelists answer commonly asked questions on taxes and estate planning. a decline in an issuer's credit rating, or creditworthiness, causes a bond's To explore which Citi funds are available to you, please go to www.funds.citi.com. This communication is not, and should not be construed as, Citigroup Life Agency LLC (CLA) offers insurance products. These are complex investments and not suitable for all investors. charitable planning, high net worth advisory, institutional client group capabilities App customers contributed 50% of Starbucks U.S. sales Read More on Innovate or Perish: What Businesses Should Learn from the Pandemic. Financial Guidance Citibank, CGMI, and CLA are affiliated companies under the common control of This fee is charged at the plan level, participants of these plan types are not the largest independent Donor Advised Fund in the U.S. AEFs Donor Advised Fund is a charitable investment account that the views of Citigroup Global Markets Inc. or its affiliates. member SIPC. Managing Director of Federal Government Affairs, Citigroup, share their thoughts on information about the fund. These products include individual stocks, fixed income and mutual funds, as well as more sophisticated offerings your Financial Advisor for a copy of the prospectus. The above content is for informational purposes only and contains a summary of the topic and is not intended to be a comprehensive discussion, including any legal or tax ramifications of the strategies or concepts described herein. (Citibank), Member FDIC and Citis capabilities for high-net-worth clients include specialty products and Important Information for You to Know About Our Business and Relationship With You. a vast array of products including: Your Citigold Private Client Wealth Team can help you develop an investment strategy As a Citigold Private Client, you can make commission-free ETF trades.1. approach. How might the spending be implemented and impact economic growth? reinvest in a market where prevailing interest rates are lower than when the The relevance of such topics may change at future dates. and your personal finances. Citi Ventures releases its first-ever quarterly external newsletter. like alternative investments and structured products. The strength of Citis Institutional Client Groups (ICG) underwriting, distribution capabilities, Any such taxpayer should seek Citis top strategists provide timely insights on the Bonds are affected by a number of risks, including fluctuations in interest This website requires JavaScript to be viewable. Wealth Management, and Joe Fiorica, Global Head of Equity Strategy, Citi Private Bank. Negative real interest rates remain a clear and present danger to the purchasing power of cash. CA Privacy Hub. Learn the basics of when and how to rebalance your portfolio. Inc., that offers investment guidance, products, and services through Citigroup Citi Personal Wealth Management (CPWM) alternative investment products. Citi Availability, qualifications, and other restrictions may vary by state. AEF has the capacity to receive simple assets such as cash and publicly Privacy | professional Separately Managed Account (SMA) managers and can include hedge rates rise, fixed income securities prices will fall. Citi comprehensive financial plan Use 711. Citigroup Life Agency LLC (CLA) offers insurance products. Before entering into any transaction using listed options, investors should read and understand the current Options Clearing Corp. Disclosure Document (Characteristics and Risks of Standardized Options) at http://www.theocc.com/components/docs/riskstoc.pdf, Please also review the following supplements: Citi offers a range of investment and insurance products and services that can help you work toward your financial The prospectus contains this and other To help you support causes you care about, Citis charitable planning strategies does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). If you would like to start another Citigold Private Client relationship Please read the prospectus and consider the funds objectives, risks, charges A margin account NOT A BANK DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY Citi Research gives you access to valuable financial research, including daily Access to cash when you need it, potentially avoiding capital gains taxes from selling securities, Typically, lower rates than other forms of credit, Ability to borrow between 50% to 95% of your eligible assets, depending on the collateral and type of credit you Not only have our routines changed, but we have also been put on a steep learning curve of new concepts. Tax.