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Progressive Investment Plan
Progressive Investment Plan

Introducing the Citibank Progressive Investment Plan, a 2-in-1 investment programme which allows you to enjoy potentially better investment opportunities while earning an attractive interest rate via time deposits.

With an investment period of 6 months, you can now take a proactive approach to investing.

Invest progressively to manage market volatility.
-No one can predict when a market goes up or down, but regular and disciplined investment may let you capitalise on market opportunities whenever they arise.
-Investing progressively is a strategy when you invest  a fixed sum of money regularly over a fixed period of time regardless of market conditions.
-You may enjoy the benefits of dollar-cost averaging by buying more units at lower prices or less units at higher prices thereby reducing the average cost during falling prices in the market.

Why invest progressively?
-Mitigate your risk exposure by investing on a monthly basis.
-Manage market timing and remove the emotional factor from your investment decision.
-A disciplined approach of dollar-cost averaging during market volatility.
bullet point No one can predict when a market goes up or down, but regular and disciplined investment may let you capitalise on market opportunities whenever they arise.

bullet point Investing progressively is a strategy when you invest a fixed sum of money regularly over a fixed period of time regardless of market conditions.

bullet point You may enjoy the benefits of dollar-cost averaging by buying more units at lower prices or less units at higher prices thereby reducing the average cost during falling prices in the market.

bullet point Mitigate your risk exposure by investing on a monthly basis.

 
bullet point Manage market timing and remove the emotional factor from your investment decision.

 
bullet point A disciplined approach of dollar-cost averaging during market volatility.

 
How it works
Example: 6-month Plan of RM120,000
Your initial placement of RM120,000 will be divided into 6 equal portions. In the first month, RM20,000 is invested into the unit trust fund(s) of your choice. The remaining portions will be placed in a series of 5 time deposits of RM20,000 each, with preferential rates and maturing in consecutive months.
As these deposits mature, the principal will be invested into your selected unit trust fund(s). This means you can maximise return on your time deposit while investing progressively. Over a period of time, the investment in unit trust portion will increase as your time deposit matures. At the end of the 6-month period, you will be fully invested in unit trust.
•  Deposit interest is not included in the illustrated example
•  Time deposits are eligible for protection by PIDM
•  Unit trust/Investment is not eligible for protection by PIDM
How do I get started?
 
Step 1
Set aside a minimum plan amount of RM120,000 for an investment period of 6 months with a progressive investment of RM20,000 per month.
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Step 2
Choose from a range of unit trust fund(s) that suit your risk profile to meet your investment objectives.
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Step 3
Enjoy preferential rates on your time deposit.

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Speak to your Relationship Manager or SMS PIP to 36700.
Alternatively, let us call you back. Simply leave your details here.
 
Investment products* are not deposits and are not obligations of, not guaranteed by, and not insured by, Citibank Berhad, Citibank N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or by any government or insurance agency. Investment products are subject to investment risks, including the possible loss of the principal amount invested.

*For any Market Linked Investments issued by, and Dual Curvrency Accounts with, Citibank Berhad, please refer to the relevant product disclosure sheet for information on whether your investment is guaranteed by Citibank Berhad and insured by Perbadanan Insurans Deposit Malaysia (PIDM).
Disclaimer
1. Unit trusts are obligations only of the relevant management companies and relevant trustees.
2. These unit trusts are not bank deposits or other obligations of, guaranteed or insured by Citibank Berhad, Citibank N.A., Citigroup Inc. or any of their affiliates or subsidiaries (unless specifically stated), or by any local government or insurance agency, including Perbadanan Insurance Deposit Malaysia (PIDM), and are subject to investment risks, including the possible loss of the principal amount invested.
3. Past performance is not indicative of future performance; prices can go down or up.
4. Investors investing in funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal.
5. This document does not constitute the making of any offer or invitation to subscribe for unit trusts nor does it amount to solicitation by Citibank Berhad, Citibank N.A., Citigroup Inc. or any of their affiliates or subsidiaries for subscription of unit trusts by anyone in any jurisdiction in which the making of such offer or invitation to subscribe or the solicitation thereof is not authorised or to any person to whom it is unlawful to make such an offer, invitation or solicitation.
6. This document also does not constitute the distribution of any information by anyone in any jurisdiction in which such distribution is not authorised or to any person to whom it is unlawful to distribute such a document.
7. Investment products (including unit trusts) are not available to US persons and may not be available in all jurisdictions.
8. Investors should be aware that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If a customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable.
9. Citibank Berhad and its affiliates/subsidiaries do not provide legal and/or tax advice and are not responsible for advising a customer on the laws pertaining to his/her transaction.
 
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