- Suitability Methodology Assessment
Various Options Available To Grow Your Wealth Potential
When it comes to investments, the key is to have a sound strategy that is tailored to your investment needs and goals. That is why we provide you with investment suitability assessment approaches to help you identify investment opportunities that are in line with your investment risk profile and objectives.
At Citigold, we approach your investment portfolio with a holistic view. Our objective is to help you grow, protect and preserve your wealth, with our extensive range of wealth management products that span across geographies and asset classes.
Before we offer our investment services to you, we will complete a detailed Investment Risk Profiling with you. This will help us to understand your risk attitudes, financial means and investment objectives in order to identify your Investor Profile. From your Investor Profile, we will discuss a range of investment products or portfolio for your consideration. We will also reassess the Investment Risk Profiling with you on an annual basis to cater for changes in your risk tolerance and investment objectives.
A Holistic Approach to Your Investment Portfolio.
The tolerance for investment risk vary across the board for different people. We make recommendations based on your Investment Risk Profile (IRP), which is determined by an assessment conducted with our Suitability Methodology. With that in place, we can strategize more effectively and identify suitable opportunities for you.
In determining the investments which may be suitable for you, we assess your risk tolerance against your portfolio via two different approaches:
Level 1 - Product to Profile (P2P)
P2P is a suitability assessment approach which involves comparing your Investor Profile against the product risk rating. It is intended to alert you from investing in a product which carries risks higher than your risk tolerance.
Level 2 - Weighted Average Adjusted Risk Rating (WAARR)
WAARR is a suitability assessment approach which involves comparing your Investor Profile against your portfolio risk rating. Before transacting, you will be alerted if an investment in a product will result in your portfolio risk rating exceeding your Investor Profile.
Comparisons between P2P and WAARR
|Level 1 - P2P||Level 2 - WAARR|
For more information, speak to your Relationship Manager or SMS INVEST to 36700 36700.
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 Currency 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).
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