Gain deeper insights on
diversified investments
Citigold Diversification Index
At Citi, we understand that each individual’s risk appetite is unique. Our goal through diversification is to manage risks by combining a variety of investments within a portfolio. By spreading risk across various investments as opposed to holding a single investment over a medium to long-term period, you can potentially achieve higher returns with lower risk. Furthermore, a well-diversified portfolio is better equipped to navigate market volatilities over time.
Exclusive to our affluent customers, Citigold Diversification Index (CDI) aims to provide you with greater insights on the diversification level of your investments.
With CDI, a higher index level indicates a higher level of diversification within your portfolio. Knowing your
diversification level allows you to make better informed decisions toward achieving your financial goals.


It is a combination of two measurements:

Asset Allocation Index

Measures your investment allocation in different asset classes. A higher index level indicates a greater alignment to Citi’s in-house model portfolio.

Product Holding Index

Measures the level of individual investment holdings in your portfolio. A higher index level indicates a broader range of investments.

Our recommendation for low levels of portfolio diversification

Choose to invest across more asset classes

Consider Citi's in-house asset allocation model

Reduce your product concentration risk by spreading
your investments across a variety of products

Contact your Relationship Manager now

General disclaimers:

Asset allocation is customised to optimise your investment portfolio, it does not eliminate risk or capital loss or promise any pre-determined returns or risk level.
Citigold Diversification Index and its functionalities is not a programme or offering. It is an optional tool for illustration purposes only. The illustration prepared using this tool does not take into account the market movements, changing market view and liquidity constraints, among others. Accordingly, you should, before acting, consider its appropriateness, having regard to your objectives, financial situation, needs and market considerations. If you are considering a purchase or sale of a security or financial instrument, you should seek independent legal, financial, tax and business advice on the suitability or otherwise of a particular transaction. You should read and understand all the disclosure documents before deciding whether to purchase the Investment Products. By using this tool, Citibank Berhad does not undertake to, and is not obliged to, undertake a review, manage, monitor or track actively and timely with respect to your Individual Investment holdings.
Investment products are not deposits and are not obligations of, not guaranteed by, and not protected by, Citibank Berhad, Citibank N.A., Citigroup Inc. or any of the affiliates or subsidiaries, or by Perbadanan Insurans Deposit Malaysia (PIDM), any government or insurance agency. Investment products are subject to investment risks, including the possible loss of the principal amount invested.


The contents have not been reviewed by Securities Commission Malaysia.

Key Terms and Conditions:

  • Application to purchase insurance plan(s) must be submitted within the campaign period and is subject to approval of participating insurance partners. Secure Growth Premier, Wealth Heritage Secure, Wealth Enhancer and new level 3 insurance product(s) are applicable via face-to-face channel only. Nothing in these terms and conditions or marketing materials in relation to this Campaign shall be construed as an offer, proposal or a contract of insurance.
  • Valid till 30 June 2021.
  • The Gift will be forfeited if the policy is cancelled during free-look period.
  • Delivery of the Gift will be administered by participating insurance partners, and will take 8 to 10 weeks from the date of fulfillment of the terms and conditions. Any Gift not enquired or claimed by the Participant on or before 30 September 2021 will be forfeited.
  • Citibank reserves the right as it deems fit to vary or change any of these terms and conditions including substitution of the Gift with other products of approximately equivalent value at any time with prior notice.
  • The insurance plans are underwritten by participating insurance partners, a company licensed under Financial Services Act 2013 and regulated by Bank Negara Malaysia. Citibank Berhad (297089-M) is the distributor of these insurance plans.
  • Participants participating in this Campaign cannot participate in other on-going promotions or campaigns when purchasing any insurance products distributed by Citibank.
  • For the full Terms and Conditions, click here.

To the fullest extent permitted by law, Citibank gives no representation or warranty with respect to any gifts provided under the Campaign. In particular, Citibank gives no warranty with respect to the quality or merchantability of any products of services or its suitability or fitness for any purpose. Citibank shall not be responsible for any defect or any other loss or damage that may be suffered in connection with any of the gifts. Any dispute in relation to the warranty or quality of any gift or any terms and conditions in respect thereof shall be settled directly between the recipient of gift and the relevant supplier, dealer or manufacturer. Citibank will bear no responsibility for resolving any dispute and you must liaise directly with the relevant supplier and not Citibank in this regard. If the supplier is unable to supply the same model of the gift(s), Citibank reserves the right to substitute any Prize(s)/Gift(s) with another product of similar retail value at any time with prior notice.

PIDM Disclosure:
For certain takaful certificates and insurance policies issued by takaful operators and insurance companies licensed under the Islamic Financial Services Act 2013 and Financial Services Act 2013 respectively, are eligible for protection under the Takaful and Insurance Benefits Protection System (TIPS). For details on the type of benefits eligible under the TIPS and related protection limits, please visit PIDM website or call PIDM toll free line at 1-800-88-1266. Alternatively, you may also obtain a copy of the TIPS brochure from our branches.

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