Citi Handlowy - Investments - Investment advisory

Mutual Funds

Access to carefully selected investment funds;

Risk Mitigation

Reducing the investment risk thanks to an ongoing support of the Investment Advisory Experts;

Portfolio Matching

Matching your portfolio to current market trends and your expectations;

Decisions Based on Recommendations

Taking independent decisions based on professional investment advice;

Time Saving

Saving time that would otherwise be spent on analyzing the investment funds and market.

1. Defining Customer Profile

Based on your risk tolerance and investment goals, we will define your profile and investment strategy. Remember than you can choose a safer strategy that the one developed based on your Customer Profile and Recommendation Investment Horizon.

Strategy and corresponding Model Portfolio

Cash

Bonds

Stock

Risk Avoiding

the objective is to protect the equity and generate rates of return from monetary market investments.

Defensive

the objective is to maintain the portfolio value in the medium term and generate regular return on investments above the return interest rates typical for monetary market.

Profitable

the objective is to generate a higher return rate over a long time, while accepting moderate or significant drops in portfolio value in the medium term. Generating regular return is of utmost importance. It is followed by the growth of capital value.

Growing Returns

the objective is to generate a higher return rate over a long period of time, while accepting moderate or significant drops in portfolio value in the medium term. Generating regular return and the equity value growth are equally important.

Growing

the objective is to generate a higher return rate over a long period of time, while accepting significant drops in portfolio value in the medium term. The important aspect is the equity value growth over time. Generating regular income is possible.

Aggresive growth

the objective is to generate a higher return rate over a long period of time while accepting significant drops in portfolio value in the medium term. The important aspect is the equity value growth over time.

Professional Investor

investments in specialized financial instruments that can be subject to significant fluctuations of the invested capital, with uncertain pricing, limited liquidity and/ or with no buy-out rights.

2. Optimal Investment Stategy Matching

Based on your Risk Profile, declared Recommendation Investment Horizon, Recommendation Currency, Diversification Level and selected Strategy, we will present you your Recommended Tactical Profile which:

  • determines the optimal distribution of funds to asset classes and
  • perfectly matches your expectations and current market trends.

3. Presenting Investment Recommendation

Thanks to the recommendation, we will be able to bring your investment portfolio kept with our bank closer to the Recommended Tactical Portfolio, drawing on carefully selected investment funds.

The investment recommendations are prepared in cooperation with the Investment Advisory Bureau composed of seasoned investment specialists: licensed Investment Advisors, Stock Brokers and prestigious Chartered Financial Analysts.

4. Fees

Investment Advisory is fee-free.

The service is available to Citigold and Citi Private Clients who have a minimum of PLN 50,000 on their Investment Funds in their portfolio or have declared this amount from their funds to be invested in Investment Funds.

Important information

Bank Handlowy w Warszawie S.A. (“Bank”) provides Investment Advisory service solely to customers who have entered into the agreement for this service, and solely in the scope of the products covered by the agreement. The Investment Advisory service is provided by the Bank only to units and shares in open investment funds and PLN-denominated specialized open investment funds for which the bank provides services regarding the acceptance of and forwarding orders for purchase or sale (excluding the Regular Investment Plans and the Individual Pension Account in the meaning of the Act dated April 20, 2004 on Individual Pension Accounts and Retirement Protection Individual Accounts). A failure to act in compliance with the Investment Recommendation may take the customer a few steps back from the Recommended Tactical Portfolio. Acting in compliance with the Investment Recommendation does not guarantee increasing, maintaining or reducing the value of the Customer Portfolio. A high percentage of assets not covered by the investment advisory service may prevent us from bringing the customer to attain the Recommended Tactical Model Portfolio.

Investment products and unit-linked insurance products (“Products”) are not a deposit, obligation nor are guaranteed by Bank Handlowy w Warszawie S.A. or by any of Citigroup subsidiaries or affiliates, except for the investment products issued or guaranteed by Bank Handlowy w Warszawie S.A. or a subsidiary or affiliate of Citigroup. For investment products, capital protection and/or an interest guarantee scheme, if applicable, is the responsibility of the issuer of a given investment product. Products offered by the Bank are not guaranteed by the State Treasury, the Bank Guarantee Fund (except for the receivables from deposit certificates and dual currency investments subject to obligatory monetary fund guarantee scheme according to the Act on Banking Guarantee Fund, deposit guarantee scheme and obligatory restructuring dated June 10, 2016) nor by any other government institution. Amounts receivable from an insurance agreement are secured by the Insurance Guarantee Fund in the scope referred to in the Act on obligatory insurance, Insurance Guarantee Fund and Polish Motor insurers’ Bureau dated May 22, 2003. This means that if the Insurer becomes insolvent in the cases as defined under the above Act, the Insurance Guarantee Fund shall cover in part the claims of beneficiaries under the life insurance contracts, in the amount of 50% of the claims but not more than up to the Polish zloty equivalent of EUR 30 000.00.

Products bear investment risk, including the possibility of losing invested capital. Upon taking a decision to purchase or sell an investment product, customer should take into account the existing risk which stems from taking an investment decision, and in particular the possibility of a change in prices of financial instruments covered by that decision contrary to the customer's expectations and, consequently, a possible failure of attaining the profit that was assumed by the customer. The past performance of investment funds, investment portfolios and the levels of stock market indices and foreign exchange rates as well as insurance capital funds, which affect returns on investment, are no guarantee of their future profits.

When making investment decisions, one should take into account the investment portfolio diversification and consider not only the assets in the products available through Bank Handlowy w Warszawie S.A. but also the assets in other financial institutions. Asset concentration understood as a high share of the investment product, instruments of the same type or of the same issuer or the same asset class in the investment portfolio may generate greater risk than the diversified approach to these elements, which is important for the matching of the portfolio to individual investment objectives and risk acceptance. It is recommended to discuss with us the general structure of the investment portfolio and possible diversification options.

Client shall be liable to the capital gains (including interest gains) tax. Bank collects the tax payment or advance tax payment on behalf of the client only if it has been explicitly laid down under the Polish law applicable in this respect or under the agreements on avoidance of double taxation that are binding upon Poland. Bank is an entity that is not authorized to interpret tax provisions, nor is it authorized to provide tax consultancy services within the meaning of the Tax Consultancy Act. Therefore, the above information may not be considered a tax opinion. In order to obtain accurate information on possible tax consequences, you need to approach entities that have relevant authority for opinion, or request that a relevant tax authority provide a written interpretation of the scope and the manner of the tax law application.

Important Documents

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