Structured Investment Account

Enjoy higher return without risking your principal

Enjoy higher return without risking your principal

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.

This Product shall not be provided to a US person for purposes of US federal income tax, or a person acting for, or on behalf of, a US person, or a person with any of the address(es) registered with the Bank being a US address or any other person who fails to meet the Bank’s sales requirement.

Benefits

The return of the Structured Investment Account is determined by the specific structure and the performance of the underlying asset. For example, the Structured Investment Account 2013-2, the 6-month Absolute Sharkfin Structured Investment Account, linked to WTI Oil achieved good performance. Investors obtained a return of 8.075% p.a. in 6 months, which is significantly higher than Time Deposit rate.

Note: Investment product is not a deposit and subject to investment risk. The historical returns do not represent actual or future performance. The investor should act prudently.

Features
  • 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.
How to Apply

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. Usually, new SIA(s) 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 Citibank 24-Hour Service Hotline 400-821-1880/ 800-830-1880 (for land lines within mainland China). If you are overseas, please call (+86)-(20)-3880-1267.
FAQ

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. For details, please refer to “Risk Disclosure Statement” 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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