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| | | Home>Investments>Structured Investment Account | |  |  | | Citibank's Structured Investment Account (SIA) is an investment product that provides 100% principal protection if held to maturity. The return is determined by the performance of its underlying derivative financial instruments or assets or when certain pre-specified conditions are met. Investment return (if any) will be paid to customers at specified dates. | | |     | | The return of the Structured Investment Account is determined by the specific structure and the performance of the underlying asset. For example, the first SIA launched by Citibank - the 3 Year Conditional Auto-Redemption Structured Investment Account Daily Range Accrual - linked to Asian indices achieved its best outcome within the first 3 months of subscription. This led to an early redemption of the SIA. Investors achieved a return of as high as 10% p.a. in the first 3 months. | | - 100% principal protection if held to maturity
- A wide range of financial instruments as the underlying asset, including stock index, mutual funds, bonds, commodity, currency and interest rate, etc.
- Rich and diversified product structures, including daily range accrual, enhanced return, absolute return, lock-in of the best historical return, etc.
- The investment return is variable and conditional, and is linked to the performance of the underlying asset. It is possible that investors will potentially gain a return higher or lower than regular time deposit of the same tenure or break even.
| | | Since Citibank launched its first SIA in mainland China in June 2006, several SIAs have been successfully rolled out and warmly received by the market. On average, 1 SIAs will be offered in each calendar month. For more information on our latest structures, you can: | |  | Visit us at any of our Citibank branches | |  | Call 800-830-1880* | |  | Log on to Citibank Online at www.citibank.com.cn | | | *Our 24-hour toll-free CitiPhone Banking hotline within mainland China. For overseas, please call 86-20-3880-1267. | | | Click on  to expand and on  to minimise the details. | | | What is Structured Investment Account? | | | Structured Investment Account (SIA) is an investment product that provides 100% principal protection if held to maturity. The return is determined by the performance of its underlying derivative financial instruments or assets or when certain pre-specified conditions are met. Investment return (if any) will be paid to customers on specified dates. | | | | | What are the risks associated with SIA? | | | SIA can guarantee 100% principal protection if held to maturity. Hence, it is classified as a product with relatively low risk. However, there are still associated risks, e.g. there can be foreign exchange risk, liquidity risk and the risk of underperformance of the underlying derivative financial instruments and asset. | | | For details, please refer to the sections of 'Special Attention' and 'Risk Disclosure' of each SIA before subscription. Investors should make appropriate decisions regarding the suitability of each SIA based on their specific circumstances. | | | | | | | | | | | | | |
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