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    • Mutual funds.

      Over the past three decades, mutual funds have emerged as one of the more popular ways to invest in the financial markets. But do funds make sense for you—and which funds might you buy? As you look to build an investment portfolio, we can help you buy individual mutual funds or purchase a diverse collection of funds through an advisory account.

      Working with your Citi Financial Advisor, you might select from our mutual funds' list. Citi offers many highly rated, top-performing funds. Our criteria for adding funds to our funds' list include not only performance, but also assets under management, fund-manager background and minimum initial investment.

    • Right for you if:

      • You want a diverse portfolio
      • You could benefit from a money manager
      • You want lower trading costs
    Still have questions? Call us at 1-800-846-5200 (TTY 1-800-788-6775).


    This can be one of the biggest advantages of investing in some mutual funds that are designed to diversify its investments. By buying fund shares and effectively pooling your money with other investors, you can spread your investment bets more widely than if you were purchasing individual securities on your own. You can also tap into foreign markets—including emerging markets—that are often difficult for individual investors to access. A mutual fund's diversification doesn't guarantee you won't lose money, but it can reduce the day-to-day volatility in your investment's value and it makes it less likely than investing in individual stocks that your entire investment would be wiped out.

    Professional Management

    By pooling your money with other investors in a mutual fund, you also get the services of a professional money manager—somebody you probably couldn't afford to hire on your own. Alternatively, if you are skeptical that a professional money manager will generate superior returns, you can purchase index funds. An index fund buys many or all of the securities that make up a market index, in an effort to replicate the index's performance.

    Lower Trading Costs

    While it can be costly to purchase a diversified basket of individual securities on your own, you can get the benefit of institutional buying power when you invest in mutual funds, thus lowering the cost of building your portfolio.

    Management Fees

    While funds offer professional money management and they can often trade securities more cheaply than you could on your own, you pay a price for these advantages, in the form of the fund's annual expenses. These expenses cover things like the portfolio manager's salary and the fund's administrative costs. In addition, your funds may charge some form of commission, often referred to as "loads."


    As portfolio managers try to generate superior returns, they may sell securities and realize capital gains. If a fund has a net capital gain in a given year, this is distributed to shareholders in that tax year, who then have to pay taxes on the sum involved, unless they hold the fund in a retirement account, where the taxes will be deferred. If you are investing through a regular taxable account and you are looking to limit your annual taxes, you might talk to your Financial Advisor about funds that potentially generate more modest tax bills, such as tax-managed funds, index-mutual funds, exchange-traded index funds and municipal-bond funds.

    Call us at 1-800-846-5200 (TTY 1-800-788-6775) to open an account or learn more.


      Diversification does not protect against loss or guarantee a profit.

      There may be additional risks associated with international investing, including foreign, economic, political, monetary and/or legal factors, changing currency exchange rates, foreign taxes, and differences in financial and accounting standards. These risks may be magnified in emerging markets. International investing may not be for everyone.

      Investors should carefully consider the funds investment objectives, risks, charges and expenses. This and other information is found in the prospectus, which should be read carefully before investing. Please contact your Financial Advisor for a copy of the prospectus.

      Citigroup Inc. and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

      Citi Personal Wealth Management is a business of Citigroup Inc., which offers investment products through Citigroup Global Markets Inc. ("CGMI"), member SIPC. Insurance products are offered through Citigroup Life Agency LLC ("CLA"). In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). CGMI, CLA and Citibank, N.A. are affiliated companies under the common control of Citigroup Inc. Citi and Citi with Arc Design are registered service marks of Citigroup Inc. or its affiliates, and are used and registered throughout the world. Accounts carried by Pershing LLC, member FINRA, NYSE, SIPC.