Get insights into your wealth and perform key transactions any time with our digital banking platform.
Learn more about In ViewHelpOnline securityGet insights into your wealth and perform key transactions any time with our digital banking platform.
Learn more about In ViewHelpOnline securityGet insights into your wealth and perform key transactions any time with our digital banking platform.
Learn more about In ViewHelpOnline securityPlease be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.
Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían redactarse únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta. Si necesita ayuda en un idioma distinto al inglés, por favor, comuníquese con nosotros, ya que tenemos servicios de idiomas que podrían serle útiles.
Informamos que as comunicações verbais e por escrito do Citi podem estar em inglês, pois talvez não possamos fornecer comunicações relacionadas a serviços em todos os idiomas. Essas comunicações podem incluir, mas não estão limitadas a, acordos de contas, declarações e divulgações, mudanças nos termos ou taxas; ou qualquer serviço de sua conta. Se você precisar de ajuda em um idioma diferente do inglês, entre em contato conosco, pois temos serviços de idiomas que podem ser úteis para você.
请注意,花旗集团可能使用英文进行口头和书面通信,因为我们可能无法以所有语言提供与服务相关的通信。这些通信可能包括但不限于账户协议、账单与披露声明、条款或费用变更,或为您账户提供的任何服务。如果您需要英文以外的其他语言的帮助,请与我们联系,因为我们提供可能对您有帮助的语言服务。
Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.
Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían redactarse únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta. Si necesita ayuda en un idioma distinto al inglés, por favor, comuníquese con nosotros, ya que tenemos servicios de idiomas que podrían serle útiles.
Informamos que as comunicações verbais e por escrito do Citi podem estar em inglês, pois talvez não possamos fornecer comunicações relacionadas a serviços em todos os idiomas. Essas comunicações podem incluir, mas não estão limitadas a, acordos de contas, declarações e divulgações, mudanças nos termos ou taxas; ou qualquer serviço de sua conta. Se você precisar de ajuda em um idioma diferente do inglês, entre em contato conosco, pois temos serviços de idiomas que podem ser úteis para você.
请注意,花旗集团可能使用英文进行口头和书面通信,因为我们可能无法以所有语言提供与服务相关的通信。这些通信可能包括但不限于账户协议、账单与披露声明、条款或费用变更,或为您账户提供的任何服务。如果您需要英文以外的其他语言的帮助,请与我们联系,因为我们提供可能对您有帮助的语言服务。

Top three takeaways
Build dynamic portfolios and maintain a growth mindset
While our positioning is defensive as we enter 2023, we maintain a growth mindset and expect to pivot as a sequence of potential opportunities unfolds.
The equity bear market is incomplete: a new bull market has never begun before a recession has even started.
Near-term, we emphasize quality, such as short-term US dollar investment grade fixed income – see putting cash to work.
Likewise, we favor more defensive equities, including dividend growers. For suitable investors, capital markets and alternative strategies also offer potential opportunities to put cash to work.
As interest rates peak, we expect to shift first to quality, growth equities in non-cyclical industries; cyclicals later on. Once dollar strength reverses, we see deep value potential in various non-US assets and currencies, such income-producing real estate.
Our strategic asset allocation methodology points to 10-year annualized returns of 10% for global equities, 5.1% for global fixed income and 3.4% for cash.
Put cash to work in a higher rate environment
Rising rates and volatile markets unsettled investors in 2022. The new higher rate environment creates potential opportunities to seek income across asset classes. Difficult market conditions in 2022 increased the temptation to sit on excess cash.
Sitting on excess cash is a risky strategy, which almost always leads to missing out on recoveries. We believe 2022’s turmoil has created more viable opportunities for putting cash to work.
Our expectation is for interest rates to peak and inflation to fade over time. The possibilities for seeking yield do not include money market strategies.
We favor various short- and intermediate-term US dollar denominated bonds. We also like dividend grower equities from resilient industries. Suitable investors may consider select alternative and capital markets strategies.
Seek exposure to unstoppable trends, which drive long-term economic growth
Unstoppable trends are long-term phenomena that are transforming how we live and do business. We seek portfolio exposure to these powerful forces.
The US-China technology trade war increases the challenges facing investors. But it also creates portfolio diversification potential
Fossil fuel energy dependence threatens economic growth and national security. We believe this strengthens the case for the clean energy transition and for positioning portfolios accordingly
We highlight a range of attractive areas including semiconductors and robotics & automation, accessible via both public market and alternative strategies
Aging populations and the expanding global middle class will likely boost healthcare demand long-term. Among our favored areas are biologics, life science tools, value-based care and agetech
Explore further




Our investment perspectives have been helping families for generations.
Can they guide you too?
To help put you in touch with the right advisory or team, please answer the following questions.
Our services have a minimum investment level of $5 million.
Based on the information provided, we believe that a Citigold relationship may be most appropriate for your needs.
To find out more: Visit Citigold
Thank you for your interest in Citi Private Bank.A member of our team will be in touch with you shortly.
Sign up to join our network of like-minded global citizens and gain access to content, events and beta-test programs designed to support progress makers across the world.
Thank you so much, we are excited to see where this takes us. We’ll be back in touch soon with more information.