 When we are offering investments solutions we are following a need based process of selling. This process assures that we are matching your financial needs with the investment and protection products outcomes. For your savings, having it in a secured place is very good, but is even better if also you access it easily. At Citi we know that having flexibility is the smartest way of saving money. This is why our savings account is designed to allow transfers in and out at any time and our term deposit allows partial withdrawals before maturity. Find more reasons for choosing our products:
Savings Account
Risk profiling
Our investment offer follows a need based process of distributing our products. This process assures that we are matching your investment needs with the investment products offered by Citibank. The risk profile process allows us to understand your risk capacity, your investment objective and the level of your knowledge and experience so we can advise the appropriate investment solutions that can best suit your financial needs.
Academica - saving and protection plan
It is highly likely that your child no longer wants to be a fireman or astronaut or a fairytale princess when he/she grows up.Whichever path your child may choose, what is truly important is to help make his/her way without any concern about the money. Your child may be little, but you'd better start building his/her future financial support as quickly as possible. Academica helps you put aside the money your child will need when he/she is 18. This will help him/her go to the university, and start a life of his own. This is also a traditional insurance product combining the life insurance protection and money saving to ensure further educational support of the child. Product features Age limits allowed: Parent - minimum 18 and maximum 60; Child - maximum 17 Contractual tenor includes premium payment period (minimum 5 years, maximum until the anniversary of 65 by the Insured Person) plus the installments' payment period (5 years) Guaranteed annual installment: You decide the amount your child should receive throughout the 5 year installment's payment period. The overall value of yearly installments is the sum assured. Premium payment: The value of the premium is decided by you. Premium discount:
How will work the protection? How will work the saving component? The insurance beneficiary shall receive the insurance benefit (amount assured and profit share) as of 5 annual installments payable from the maturity date of the payment period. What you can do during the validity of the policy?
Insurance beneficiaries: The beneficiary of this insurance product is your child. Flexibility
Guarantees
You may be in line with the inflation by making yearly adjustments of premium value and insured amount. You may add further options and supplementary insurance:
Is very easy - here are the few steps to follow: Meet the ING consultant:
Please keep in mind that the Citibank specialist provides free assistance and does not force you to buy. If you decide to buy:
Once the policy issued, you and your beloved ones are the beneficiaries of the life insurance convenience and protection. Congratulations! *The life insurance and savings products Academica and Regal are exclusively provided by ING Asigurari de Viata S.A., with its principal place of business on 1-5 Costache Negri, 5th district, 050552 Bucharest, Romania, Trade Registry no. J40/475/1997, Single Registration Code 9100488, and distributed by Citibank Europe plc, Dublin-Romanian Branch as Insurance Broker
Regal is not only a protection tool, but also an effective capital-growing tool. Product features Age limits allowed:16/18-65 years Contractual term: minimum 5 years; the maximum age should not exceed 75 Insurance premium: It may vary from one year to another; it consists of:
Premium payment: on a monthly, quarterly, semi-annually or yearly basis Premium Discount:
How will work the protection? If the Insured Person passes away during the contractual period, the Insurer shall pay the Death Benefit - consisting of the Insured Amount in case of Death+ Profit Share Rate - to beneficiaries. How will work the saving component? If the Insured Person survives, the Insurer shall pay the Survival Benefit - consisting of the Insured Amount in case of Survival + Profit Share Rate The amounts insured are guaranteed: the Insurer guarantees the payment of insured amounts both in case of death and in case nothing unpleasant happens to you until the maturity of the contract. Insurance beneficiaries: In the event of death, the beneficiary is the person nominated by you; in case of survival, the insurance beneficiary is you. What you can do during the validity of the policy:
Accessibility
Guarantees
You may be in line with the inflation by making yearly adjustments of premium value and insured amount. You may add further options and supplementary insurance:
Buying an insurance policy is very easy - here are the few steps to follow: Meet the Citibank consultant:
Please keep in mind that the Citibank specialist provides free assistance and does not force you to buy. If you decide to buy:
Once the policy issued, you and your beloved ones may enjoy the comfort and protection a life insurance brings. Congratulations! Our experts understand global economic trends and movements and analyse the markets on a continual basis. The results are shared with you through our range of products and our leading research, including news, analysis and in-depth focus articles, all available to you online.
We continually research the markets to ensure that the products we offer are among the best in the world, and we forge partnerships with leading providers to ensure you have competitive options available.
Global Research
Citigold clients have access to global research generated by the Citi Investment Research & Analysis team. The Citi global research effort comprises 280 analysts that cover more than 2,500 worldwide companies, bringing each client the very best service while offering an unmatched breadth of knowledge. The monthly and quarterly publications provide clients with Citi’s global financial market analysis and asset allocation recommendations. The publications are available in English and Romanian. Citi Standpoint In addition to Citi generated research, clients have access to financial and investment seminars with keynote speakers on the latest topics affecting the financial markets. Investment products are not bank deposits; are not guaranteed by any government agency or through any deposit guarantee scheme. Investment products are not guaranteed by Citibank Europe plc. Dublin –Romania branch or by any of its subsidiaries or affiliates directly or indirectly controlled by Citigroup. Investment products are exposed to, among other risks, the risk of losing partially or totally the invested capital. Past performance is not a guarantee for future performance and value of investment products can fluctuate. Investment products denominated in foreign currency are also exposed to the foreign exchange risk that can lead to a loss of the capital invested. Investment products are available only nationals residing in Romania.
The life insurance products are offered exclusively by ING Asigurari de Viata S.A. Costache Negri St., 1-5, sector 5, 050552, Bucharest, Romania, Commerce Registry J40/475/1997, CUI 9100488 and are distributed by Citibank Europe plc, Dublin-Sucursala Romania as an insurance intermediary. |
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Citigold in romana
