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Investments

Our expertise in and access to global markets provide you with insights and the broadest range of investment opportunities, which we accompany with the highest level of service.

Preserving and growing great wealth requires a distinctive approach.

In our experience, the families who have remained among the world’s wealthiest for generations have typically built great investment portfolios that follow a disciplined, long-term plan.

We therefore customize a long-term investment plan that addresses your risk and return goals, as well as your other requirements.

This forms the basis of the complementary core and opportunistic portfolios that we then help you to build.

To populate your core and opportunistic portfolios, we give you comprehensive access to global opportunities across all asset classes.

These opportunities are accessible via self-directed portfolios, discretionary managed portfolios, capital markets strategies, and extensively vetted third-party traditional and alternative managers.

As a close partner of Citi’s Institutional Clients Group, the Private Bank provides you with the same caliber of ideas, resources and opportunities as the world’s leading institutional investors receive

Our Global Client Service can provide even greater local access to opportunities in other regions of the world, with additional Private Bankers and Investment Counselors to serve you locally.

The mission driving our investments platform is to be the highest quality, most independent, research-driven global investments platform of any private bank.

David Bailin
Chief Investment Officer

How we serve you

Our Investment Philosophy
Our Investment Philosophy guides our entire approach to helping you maintain, grow, and wisely manage your wealth. It rests on certain key principles:

Most of your wealth, apart from your business holdings, should be invested in a core portfolio diversified by asset class, geography and sources of return. Diversification is essential, as portfolios concentrated in few countries or asset classes are riskier and perform worse over time.

Market timing and cash hoarding are a fool’s game. Your core portfolio should be fully invested for the long term and regularly adjusted to remain in line with your customized investment plan.

Disciplined opportunistic investing can complement your core portfolio’s performance. Your alpha-seeking opportunistic portfolio’s investments can be short or long term, aiming to capitalize on market dislocations, your high-conviction beliefs, and preferred themes.

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Our investment process
Your return goals, risk tolerance, and other criteria frame the strategic asset allocation we customize for you.

Our proprietary strategic asset allocation methodology estimates returns over a ten-year horizon based on valuations.

Higher return estimates likely lead to larger recommended allocations to an asset class, and lower estimates to small allocations.

Our methodology also treats severe losses during a market crisis – rather than volatility – as the most significant risk that you face.

The resulting allocations are tactically adjusted to reflect the recommendations of our Global Investment Committee.

Our discretionary managers also provide regular rebalancing and systematic risk management.

This disciplined approach to asset allocation and portfolio oversight enables you to remain fully invested for the long term.

For deeper insights into your core and opportunistic portfolios, our Global Investment Lab can perform a bespoke analysis to highlight risk exposures and potential opportunities.

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Your dedicated investments team
We take a team approach to addressing your portfolio’s needs.

Your Private Banker works closely with your Investment Counselor and teams of product and asset class specialists to provide customized investments advice, market perspectives and strategic insight into your portfolio.

Our team approach to your portfolios extends throughout the Private Bank, with timely insights into economics, asset classes and investment strategy from our Chief Investment Officer and Chief Investment Strategist, and Chief Economist.

Our Global Investment Lab is dedicated to analyzing your entire wealth and strives to uncover potential opportunities and risks.

As a Private Bank client, you can expect the same level of exceptional service in each region of the world where you may have business, family, or personal interests.

Your questions

We believe globally diversified allocations offer better risk-adjusted return potential over time.

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An opportunistic portfolio seeks to enhance your overall returns, mitigate your risks, and capitalize on market dislocations or themes via investments that differ from those in your core portfolio.

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Catching market uptrends and avoiding downtrends seems like a tempting idea. But in practice, it’s almost impossible.

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Meet our people

Global Head

David Bailin

Global Head of Investments & Chief Investment Officer
“The philosophy driving our investment platform is to be the highest quality, most independent, research-driven global investment platform of any private bank.”

David has overall responsibility for Citi Global Wealth Investments, which unifies the Investments teams of the Private Bank and the Consumer Bank worldwide.

As Chief Investment Officer, David ensures the integration of our asset allocation, manager research and portfolio management teams, and offers his perspectives on the markets.

David joined the Private Bank in 2009 as the Global Head of Managed Investments. He designed the architecture of our global managed investments platform, including its Citi Investment Management unit, and our distinctive private equity, real estate, hedge fund and traditional investment teams. He became Global Head of Investments in October of 2017.

Prior to joining Citi, David was Head of Alternative Investment Asset Management for Bank of America Global Wealth and Investment Management, where he was responsible for client alternative investments across private equity, real estate, venture capital and hedge funds. He has been a co-founder of a hedge fund of funds, Martello Investment Management, and a senior executive at two leading hedge funds, John W. Henry and Company and Ellington Management Group.

David holds a BA with honors from Amherst College and an MBA with honors from Harvard Business School.

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Outlook 2021

In Outlook 2021, we put forward positive actions for your portfolio in this new economic cycle. We urge you to determine the amount of cash you really need to hold over the coming years and to put the rest to work.

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