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INVESTING WITH Citi

Investments and Insurance

See the range and depth of what we offer to support your investing and insurance needs.

Investment Products

A stock is a type of security that provides a share of ownership in a company. Stocks include U.S. domestic, international and emerging markets. The two main types of stock are:

  • Common stock: Typically enables the owner to receive any dividends and vote at shareholders' meetings.
  • Preferred stock: The owner usually does not have voting rights, but has a higher claim on assets and earnings than common stockholders.
  • Stocks can provide growth and/or income and over the long term may outperform other asset classes, such as bonds

A mutual fund is a pooled investment vehicle designed to invest money from many individuals in securities such as stocks, bonds, money market instruments and similar assets. The investments are determined by professional money managers who adhere to the fund's objectives stated in its prospectus. The performance of these underlying investments, minus fund fees and expenses, determine the fund's investment return.

Sometimes referred to as a fixed-income security, a bond is a debt investment where you lend money for a set period of time at a specified interest rate to an entity, such as a government or corporation. The bond typically provides regular income, based on the interest rate. The bond's yield is the interest rate divided by the bond's price. Bond prices and yields move in the opposite direction, which means if you sell a bond before it matures, you may receive more or less than your original investment.

A stock option is a contract sold by one party (option writer) to another party (option holder), allowing the holder the right, but not obligation, to buy or sell a stock at an agreed-upon price (the strike price) during a certain period of time or on a specific date (exercise date). Call options allow the holder to buy at a certain price, and put options allow the holder to sell at a certain price.

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Call us

You can reach one of our Financial Advisors at 1-877-357-3399.
For TTY: We accept 711 or other Relay Service.

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Open your account online

No need to visit your local branch, you can open your account online today.

Call us

You can reach one of our Financial Advisors at 1-877-357-3399.
For TTY: We accept 711 or other Relay Service.

Citigold and Citi Priority clients

Experience virtual investing and banking with your Citi Mobile® App.

Open your account online

No need to visit your local branch, you can open your account online today.

If you have a complaint or concern regarding an annuity or insurance policy marketed through Citi, please contact your financial professional or our call center at 1-800-846-5200 (for TTY: we accept 711 or other Relay Service), or you may contact us in writing at Citi Personal Wealth Management, P.O. Box 310, New York, NY 10008-0310. Complaints will be escalated and handled in accordance with our complaint-handling procedures. Alternatively, you may contact the insurance company issuing the annuity or insurance product directly, or contact your state insurance department.

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INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • MAY BE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED

The information provided is solely for informational purposes. It is not an offer to buy or sell any of the securities, insurance products, investments, or other products named.

Terms and conditions of accounts, products, programs and services are subject to change.

Please note that by visiting the URL or hyperlink within this piece, you will leave Citi Personal Wealth Management materials and enter another website created, operated and maintained by a different entity.

Life insurance and long-term care insurance are medically underwritten. You should not cancel your current coverage until your new coverage is in force. A change in policy may be subject to additional insurance and investment-related fees as well as increased risks, and may also require a new medical exam. New surrender charges may be imposed with a new contract or may increase the period of time for which the surrender charges apply. Surrenders may be taxable. You should consult your own tax advisors regarding tax liability on surrenders.

Options involve risk and are not suitable for all investors.  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 riskstoc.pdf (theocc.com)

Citigroup Inc. and its affiliates do not provide tax or legal advice.

Citi Personal Wealth Management is a business of Citigroup Inc., which offers investment products through Citigroup Global Markets Inc. (CGMI), member SIPC. Insurance products offered through Citigroup Life Agency LLC (CLA). In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citibank, N.A., CGMI and CLA are affiliated companies under the common control of Citigroup Inc.

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