Results tagged as "investment"

  • Roth IRAs -- Via the Backdoor

    By Jonathan Clements, Director of Financial Education, Citi Personal Wealth Management September 04, 2012 09:00 AM

    Let's face it, it's a nice problem to have: Your income is so high that you don't qualify to make regular annual contributions to a Roth Individual Retirement Account. In 2012, you can't fully fund a Roth if you're single and your modified adjusted gross income is more than $110,000, while the threshold for married couples filing jointly is $173,000. Your ability to contribute phases out above these income limits.

    What to do? Here's a strategy that's popular with IRA experts and that you might discuss with your tax advisor: You could stash your $5,000 annual contribution--or $6,000 if you're age 50 or older--in a nondeductible IRA, and then immediately turn around and convert your nondeductible IRA to a Roth. Once the money is in a Roth, it can grow tax-free thereafter.

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  • China & Emerging Markets: China is about to rebalance. How will EM be affected?

    August 02, 2012 09:00 AM

    Citi Global Perspectives & Solutions (Citi GPS) is Citi's latest thought leadership initiative through which we are delivering insights and viewpoints on compelling issues and structural thematic trends in the global economy. In the most recent Citi GPS report: "CHINA & EMERGING MARKETS: China is about to rebalance. How will EM be affected?", Citi Chief Emerging Market Economist, David Lubin, delves into China's investment-driven growth model and the decisive impact it has had on emerging economies in the past 10 years.

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  • Citi Analyst Deane Dray Speaks on Investing in Liquid Assets

    July 25, 2012 10:00 AM

    In a recent appearance on Bloomberg's "The Next Big Trade", Citi Multi-Industry & Electrical Equipment Analyst, Deane Dray, speaks on high-end investment opportunities in water. He says in part:

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  • Risk Aversion vs. Loss Aversion

    By Jonathan Clements, Director of Financial Education, Citi Personal Wealth Management July 23, 2012 12:00 PM

    Investors are often described as risk averse, meaning they favor certificates of deposit, high-quality bonds and other more conservative investments. Yet many of us aren't really risk averse. Rather, we are loss averse--meaning we hate losing money--and that can sometimes prompt us to take on more risk.

    Thanks to our strong distaste for losing money, we tend to shy away from stocks, even though the stock market has historically outperformed other investments over time. What happens if we overcome this reluctance, buy stocks and those shares then plunge in value? If our loss aversion is really high, we might panic and sell.

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  • What Investment Returns Can We Expect?

    By Jonathan Clements, Director of Financial Education, Citi Personal Wealth Management July 09, 2012 09:00 AM

    As we strive to amass enough for retirement, we need to make assumptions about our likely investment returns. The risk: Our return assumptions are too high--and we end up saving too little or betting heavily on the wrong investments. Want to avoid those mistakes? Here are a few pointers:

    Don't extrapolate. We often get caught up in short-term returns. For instance, after the dazzling gains of the past decade, many investors think gold is the place to be and they're wondering when the rally will resume. Maybe gold will indeed get hot again. But it's worth bearing in mind that gold had atrocious performance through the 1980s and 1990s and that historically it has been valued mostly as a way to preserve purchasing power, rather than to earn outsized returns.

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  • Know Your Asset Classes

    By Jonathan Clements, Director of Financial Education, Citi Personal Wealth Management June 25, 2012 09:00 AM

    Whether we're pursuing investment performance or seeking safety, we often fail to consider the risks we are taking. Yet every investment, whether it's a highflying stock or a low-yielding certificate of deposit, is risky. The question is, which risks do we want to take?

    In any given year, there will be investment losers--and those losers will be determined by the risks that rear their ugly head, so it's a good idea to understand the perils we may face. To that end, consider the three broad investment categories.

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  • Euromoney Names Citi 'Best Investment Bank in the Middle East'

    By Karim Seifeddine, Director of Corporate Affairs, Citi UAE June 14, 2012 01:00 PM

    Euromoney Magazine* is monthly periodical dedicated to international banking finance and capital markets news, analysis. FX, asset management, investment banking, M&A, private banking, debt and equity markets. The Awards for Excellence honor institutions and individuals that demonstrate leadership, innovation, and provide the highest levels of service and expertise to their customers.

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  • Equity Strategy: June 2012 Chart of the Month

    By Tobias Levkovich, Chief US Equity Strategist, Citi June 07, 2012 03:00 PM

    With the focus on Europe, China and the latest nonfarm payrolls number, investors may be missing a major change in US housing. A recent report of disappointing US job growth has further deepened the investment community gloom even as credit conditions remain very positive for future domestic business activity. Moreover, there are positive dynamics brewing as well.

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  • On the Women & Co. Blog: Making the Most of Partnerships

    May 23, 2012 02:00 PM

    Women & Co.'s President and CEO, Linda Descano CFA®, was recently invited to attend "Building Partnerships: Drive Top Line Revenue, Increase Distribution, and Plan Your Exit," a program for women entrepreneurs and investors. In a new blog post, she shares key strategies for effective partnerships that she gleaned from Debbie Brackeen, Managing Director and Head of Incubation at Citi Ventures.

    Read more highlights from Women & Co.'s blog here

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  • Citibank Hungary Named Best Foreign Bank and Best Investment Bank in Hungary by EMEA Finance

    By Batara Sianturi, Citi Country Officer for Citibank Hungary May 22, 2012 09:00 AM

    In 2011, we celebrated the 25th anniversary of our presence, ingenuity and leadership in Hungary, and we are also very excited about 2012, which marks the 200th anniversary of Citi serving our clients and the community around the globe. Citibank Hungary was recently named Best Investment Bank in Hungary for the fourth year in a row, as well as the Best Foreign Bank in Hungary by EMEA Finance Magazine as part of their annual financial institution ranking, the Europe Banking Awards 2011.

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