Keeping your core investment portfolio fully invested for the long-term is one of the most important recommendations that we make.

But we also recognize that you may have liquidity needs from time to time, whether planned or unplanned. We therefore offer securities backed lending to borrow against your portfolio.

Rather than selling any existing investments to meet such needs, you might consider entering into a margin loan.

With $25.3 billion of liquidity provided globally, our margin lending program enables borrowing at competitive rates using a broad range of financial assets as collateral.

These include cash and cash equivalents, equities and bonds, exchange traded REIT shares, mutual funds and ETFs, Citi-distributed structured notes, and hedge funds.

A margin loan allows you to keep your investment strategy intact, retaining dividends, and preserving other benefits of ownership.*

You can use the funds from such a loan for a variety of purposes including making other investments, seeking enhanced yields, purchasing real estate, repaying debt or for other personal needs.

We help you to get more out of your assets.

Our dedicated team is experienced in structuring bespoke strategies to provide clients liquidity using their financial assets as collateral.

How we serve you

CUSTOMIZED TERMS

Our margin loan specialists work closely with you and your Private Banker to determine a suitable financing strategy, taking a holistic view of your assets and liabilities.

Given our strong balance sheet, there are minimal restrictions on the size of loans we can make to eligible borrowers with sufficient collateral.

The credit lines and loans we arrange are available in multiple currencies, according to your needs.

MITIGATING RISK

While margin loans can help you get more out of your assets, they also come with risks.

We therefore seek to help you avoid the hazards of excessive leverage and receiving a margin call.

Our portfolio analytics specialists can perform an analysis of your leverage, highlighting the risk of your receiving a margin call based on market moves during past episodes of financial stress.

In the case of adverse market fluctuations that cause a decline in the market value of securities, we employ a unique two-step margin call process, which includes both top-up and sell out notices

BORROWING ACROSS BORDERS

The global nature of our business enables us to lend against assets owned in other jurisdictions.

For example, we may lend against securities held in Hong Kong to finance the purchase of a residential property in London.

Our specialists around the world work together as one team to help achieve cross-border solutions.

Meet our people

Resources

See more of the insights we offer you by exploring our white papers.

Gifting when the US transfer tax exemption amounts are at an all-time high

Gifting now may substantially increase the amount of wealth that you could pass on to the next generation and beyond.

How your US connections may affect your wealth and legacy

Your wealth can be subject to US taxes even if you’re not a US resident. Failing to understand and reflect this in your wealth plan can have costly consequences for your wealth and legacy.*

Insights

See our insights and the issues that matter for your wealth.

Insights

See our insights and the issues that matter for your wealth.

Global citizens

The Private Bank exists to serve a very special community. Hear the stories of global citizens in their own words.

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Based on the information provided, we believe that a Citigold relationship may be most appropriate for your needs.

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