COVID-19 fraud alert: Criminals may use the Coronavirus outbreak to pose as people or organisation you trust, and could attempt to contact you about your bank account. Find out how to avoid fraud
Investments
With long experience of serving busy professionals, we offer you guidance and opportunities to invest efficiently around the world. Delivered by your own dedicated Investment Counselor, our service enables you to focus on the demands of your clients and career.
Building a globally diversified portfolio for the long term is vital to preserving and growing your life’s achievements.
But given the intense demands of your career, finding time to explore potential investments and address risks is challenging.
For decades, our organization has addressed the investment needs of some of the world’s leading law, accounting, consulting and other professional firms.
We begin by understanding your situation, goals and constraints. As part of this, our professionals can analyze your net worth, asset allocation and projected cash.
Your dedicated Investment Counselor helps you implement the long-term plan we create for you, bringing you handpicked opportunities from our global investment platform.
In partnership with our Wealth Planners we offer strategies for your portfolio and other assets to help mitigate the potential financial challenges that may occur.
Our investment philosophy
Our Investment Philosophy informs everything we do to help preserve and grow your wealth for you and your family. It is founded upon three key principles:
The majority of your wealth should be invested in a core portfolio diversified by asset class, geography and sources of return. Such diversification is important as experience shows that concentrated portfolios are riskier and can perform worse over time.
Market timing and holding excess cash are not prudent for long-term investing and portfolio growth. You should fully invest your core portfolio and consider your liquidity needs. Regularly reviewing and realigning your portfolio to your customized investment plan.
To complement your core portfolio, you may build a disciplined opportunistic portfolio. This smaller allocation that seeks to improve your overall returns, risk-adjusted returns, or both. The investments involved may be short -term, a year or less aiming to capitalize during market dislocations and could seek exposure to high-conviction themes or ideas.
Our investment process
We customize and implement a long-term investment plan based on your needs and the contours of your career.
Starting with your investment objectives, risk tolerance, return goals, and other criteria, we create a strategic asset allocation for you.
Our methodology forecasts returns over the next decade based on current valuations, allocating more to asset classes with higher forecasted returns based on low valuations. Instead of volatility, our methodology calculates the worst potential loss that a particular allocation may suffer within a rolling 12-month period over ten years. We use this measure to inform how we construct our strategic asset allocations. The long-term allocations we build are then tactically adjusted to seek to improve risk-adjusted returns over the shorter term.
To help keep your portfolio aligned to your plan and fully invested for the long term, you can choose to work directly with a financial professional or choose to leverage our discretionary management. As part of discretionary management, our portfolio managers perform the regular rebalancing and systematic risk management.
Your dedicated investments team
Our approach stresses teamwork to serve your portfolio’s needs.
Your Private Banker works in partnership with your Investment Counselor, product teams and asset class specialists to deliver customized investments guidance, market views and strategic perspectives into your portfolio.
This team approach to your portfolios extends throughout Citi Global Wealth at Work, combining timely insights into the market, economics, asset classes and investment strategy from our Chief Investment Officer & Chief Investment Strategist and Chief Economist.
As a Citi Global Wealth at Work client, you can expect the same level of service in each region of the world where you may have business, family or personal interests.
Our investment services
Sophisticated insights into your portfolio
Many portfolios contain hidden or duplicate risk exposures. Our team of analysts use proprietary methods to help you identify ways to enhance your portfolio construction, put cash to work and address other wealth challenges you may have.
If you require deeper insights into your core and opportunistic holdings, our Global Investment Lab – a team of portfolio analysts – can use proprietary techniques to assess risk exposures and potential opportunities.
Wealth Outlook 2024
Our global economic outlook for the year ahead
Growth will slow in early 2024, but we see no synchronized collapse across the global economy, as many fear.
Michael Remak
Head of Investments
Meet our wealth expert
Michael is Head of Investments and leads the Investment Counselor team globally, responsible for the delivery of investment guidance and wealth management strategies for professional industries including law, management consulting, and asset management.
Prior to this role, he led a West Coast Investment Counselor team for Citi Private Bank.
Before joining Citi, Michael held various leadership roles with Bank of America/Merrill Lynch, Callan Associates, and Bear Stearns Private Client Services Group.
Michael received a BS in International Business from San Francisco State University and earned the Endowments & Foundations Certificate from The Wharton School of Business. He is a Certified Investment Management Analyst and a member of the Chartered Alternative Investment Analyst Association.
