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Wealth Solutions

Wealth Solutions

Interested? Let's talk

Explore our range of investment solutions

We provide you with specialist product options, as well as the expertise, to assist you to make the right call about your investments.
So take control now, learn more about what we offer, and together we can discover the best way to manage and grow your wealth.

Bonds allow you to invest by loaning money to governments and companies. In return, you receive regular interest payments based on your investment, as well as your original investment amount at the end of the bond term. Much like shares, bonds can be sold before maturity. And, corporate bonds in particular, are a great way of lowering your risk and ensuring a consistent stream of income.

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We will work with you to assist you in choosing bonds that suit your investment and diversification goals:

Risk Profile Suitability: Low to High
Minimum Investment: AUD 50,000
Return Profile: Income, Capital Growth

 

To be eligible for our investment products you must be resident in Australia and you must qualify as a 'wholesale investor' for the purposes of the Corporations Act 2001.

How we can help you

We offer over 2,200 bonds across multiple industries and currencies.

  • Extensive offering of both investment grade and high yield bonds, as well as hybrids, from an extensive range of global and local issuers
  • Choice of currencies - available in 10 major currencies

 

Let's talk

 

Want to learn more about Bonds?

What to look for in fixed income investments

The bond universe is huge, providing you with options to suit your portfolio. 

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Our guide to bond investing

Discover all you need to know about fixed income, including how you can diversify your portfolio offshore.

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Term deposits versus bonds

You decide the income investments that best suit you and you're lifestyle.

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Features and Benefits

  • We have the ability to access global fixed income opportunities that are not available at other Australian wealth management providers.

  • Our list of over 2,200 available bonds includes 1,200 international bonds and 200 high-conviction calls.

  • We can facilitate investments diversified across geographies, sectors, currencies and credit quality.

Fixed Income investments offer: 

  • a predictable income stream

  • a higher level of security to most investment classes

  • portfolio diversification; and

  • potential for capital growth in certain circumstances.

Potential Risks

While bonds are considered to be less risky than many other investments, they do carry a level of risk. Things to consider include: 

  • Bonds are loans made to a corporate or government entity (the issuer). The creditworthiness of the issuer is a key component in the risk level of the bond, with high-quality issuers less likely to default.

  • Interest rates have an inverse relationship with bonds. Rising interest rates generally mean the market value of a bond will fall and vice-versa.

  • Inflation may erode the value of a bond’s income payments over the life of the debt instrument, especially if you hold a bond for the long term.

  • All bonds offered through us have been independently assessed as being of investment-grade quality.

Here in Australia, we love property investing, as it is familiar territory and you can physically see your investment. One of the attractive qualities is that property can be a good long-term investment option, as part of building your retirement nest egg or diversifying your investment portfolio. 

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Our competitive Home Loan rates allow you to focus on finding the perfect investment property. 

  • Risk Profile Suitability: Moderate to High
  • Minimum Loan Size: $350,000
  • Return Profile: Income, Capital Growth 

 

Want to learn more?

Check out our Home Loan Products to find one that suits your needs. 

Our Home Loan Tools and Calculators will help you understand your borrowing power.

 

How Citi can help you

Our Mortgage Specialists, or your Citigold Relationship Manager, will guide you through the home loan process, providing a supported and seamless experience.

 

Ready to talk?

We would love to talk to you about the opportunities property can bring to your portfolio.

 

Start a conversation

Want to learn more about Property?

What you should look for in an investment property

When you are looking for an investment, don't buy with your heart. It's time for some analysis. 

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Building your property portfolio

Check out our three tips to help you plan your investment property strategy. 

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How diverse is your portfolio?

We're often urged to not 'put all our eggs in one basket'. Find our how diversification can be a cornerstone of successful investing. 

Read more

Term Deposits (also known as time deposits) provide you with a pre-set rate of return over a set time period. This give you the security of knowing exactly what your cash will give you, but it means that the money is generally locked away for the duration of the term deposit.

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Earn guaranteed returns on your investment with competitive Term Deposit rates over different time periods. Plus you have the option to invest in Australian Dollars or across a range of currencies. 

Risk Profile Suitability: Low
Minimum Investment: $10,000
Return Profile: Income

 

Check out our Term Deposit rates here

To view the Target Market Determinations (TMD) for our products click here.

How Citi can help you

You can open a Term Deposit as an individual, jointly, through a Family Trust or Self-Managed Super Fund (SMSF). Speak to us if you would like to open yours another way.

 

Let's talk

Want to learn more about Term Deposits?

How to prepare for a recession and plan for recovery

In unstable times it's good to know you can plan for stable income.

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Why diversification matters

You invest to fund your lifestyle and future needs. Diversification is the foundation of a long term investment strategy.

Read more

Term Deposits versus Bonds

You decide the income investments that best suit you and you’re lifestyle.

Read more

Foreign Currencies offer you a world of investing opportunities. Managing currency exposure within a portfolio is an important part of a wealth management plan. It can both protect and enhance returns while improving risk management.

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When you include foreign exchange and currencies in your portfolio you can enhance your yields, hedge your exposures or find ways to invest systematically in foreign currencies. 

Risk Profile Suitability: Moderate to High
Minimum Investment: USD$20,000
Return Profile: Income, Capital Growth

 

Interested in the latest currency conversion rates?

Check out our Convert Currency calculator here.

To view the Target Market Determinations (TMD) for our products click here.

How Citi can help you

Our multi-lingual team of specialists will work with you to devise and implement FX strategies that seek to meet your needs. We can offer you access to real time exchange rates, competitive pricing for international transfers, sophisticated global limit order monitoring, market transparency, efficient execution and timely settlement on currencies and services. 

We would love to talk to you about the opportunities Foreign Currency can bring to your portfolio. 

 

Start a conversation today

 

Want to learn more about Foreign Currency?

Why US dollar investments make sense

How currency can increase the yield on your investments and lower risk.

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How currency can be used to smoot out investment returns

If currency is not part of your investment portfolio this may convince you it should be.

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Citi's guide to foreign exchange

Discover all you need to know about fixed income, including how you can diversify your portfolio offshore.

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Curious to discover more about investing?

Make volatility work for your investments

Markets perform well when the key indicators behind economic growth are strong and there is visibility ahead on how those indicators can be expected to perform.

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How dividend reductions will impact your income

Australian investors, particularly SMSF investors, have grown used to relying on strong dividend streams from Australia’s blue chip companies, particularly our big 4 banks.

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Australian dollar vs COVID

Currencies reflect the economic health of a nation but there are other factors that can take precedence, particularly in times of uncertainty.

Read more

Important Information

To be eligible for our investment products you must be resident in Australia and you must qualify as a 'wholesale client' for the purposes of the Corporations Act 2001. This means you have a certificate issued by a qualified accountant within the last two years stating you have a gross income for each of the last two financial years of at least $250,000 or you have net assets of at least $2.5 million; OR are classified as a professional investor; OR are investing $500,000 or more in a single investment.

Bonds are subject to investment risks, including possible loss of the principal amount invested. They are not: insured by any government agency; and not a deposit or other obligation of, or guaranteed by, the depository institution or insured by National Australia Bank Limited or any of its affiliates or subsidiaries.

All expressions of fact or opinion are subject to change without notice. All information contained on this webpage is general in nature and is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on the information contained in this document you should consider if it is appropriate for your particular circumstances. You should also obtain and consider the relevant product disclosure statements and terms and conditions before you make a decision about any financial product, and consider if it is suitable for your objectives, financial situation, or needs. Investors are advised to obtain independent legal, financial, and taxation advice prior to investing. Investments are not deposits or other obligations of, guaranteed, or insured by NAB, or any of its affiliates or subsidiaries, or by any local government or insurance agency, and are subject to investment risk, including the possible loss of the principal amount invested. For a full explanation of the terms and conditions, as well as risks of investing, please ensure that you fully read and understand the relevant product disclosure statements prior to investing.

National Australia Bank Limited (ABN 12 004 044 937, AFSL 230686) ("NAB"). Despite the use of the words "Citi", "Citibank", "Citigroup", "Citigold" and similar words and/or logos, the services and products described are provided by NAB. NAB has acquired the business relating to these services and products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL 238098) ("Citi") and has appointed Citi to provide transitional services.

Our/us/we means NAB unless the context otherwise requires it.

"Citi", "Citibank", "Citigroup", the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.