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Financial Guidance

Whether you’re saving for retirement or planning for other important financial goals, these resources from Citi can help you prepare for life’s big and small milestones.

Featured Articles

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personal finance

Numbers You Need to Know: 2021 and 2022

Use these key numbers as you ponder crucial goals like saving for retirement and college expenses, amounts to give to charities, and planning for changes in your estate.

Read More on Numbers You Need to Know: 2021 and 2022

woman looking at computer screen

investing

Five Things to Remember in Volatile Markets

Since 1980, the S&P 500 has experienced intra-year corrections of over 10% in 22 separate years but has finished the year with a negative annual return in just 8 of those years (or 36 percent of the time). Nearly all of those years were associated with U.S. recessions (1981, ...

Read More on Five Things to Remember in Volatile Markets

senior couple hugging

retirement

Approaching Retirement

After decades of hard work, you’re about to get your reward—the chance to do what you want, without worrying about where your next paycheck is coming from.

Read More on Approaching Retirement

person signing a document

trust & estate

Change of Trustee Considerations
At a Glance

Grantors and beneficiaries often want the ability to remove trustees and appoint replacements. Since residence, family circumstances, financial ...

Read More on Change of Trustee Considerations<br class="lg-min-block"><span class="nowrap">At a Glance</span>

young woman smiling

family & money

College Financial Aid: What is it and How Do You Get More?

Learn the four common misconceptions many parents have about financial aid, how financial aid is calculated and ways to improve aid eligibility.

Read More on College Financial Aid: What is it and How Do You Get More?

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insurance & long-term care

Learn About Medicare and Medigap

Learn the basics of parts A, B, C and D of Medicare.

Read More on Learn About Medicare and Medigap

  • Family
    & Money
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    Long Term Care
  • Investing
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Family and Money

young woman smiling

family & money

College Financial Aid: What is it and How Do You Get More?

Learn the four common misconceptions many parents have about financial aid, how financial aid is calculated and ways to improve aid eligibility.

Read More on College Financial Aid: What is it and How Do You Get More?

young girl holding hands with parents

family & money

Financially Preparing for a Baby: Diapers, Life Insurance and Education Savings

A baby can bring joy, wonder—and substantial expense. Learn some steps to help make the financial side of parenting a little easier.

Read More on Financially Preparing for a Baby: Diapers, Life Insurance and Education Savings

college-aged woman studying

family & money

529 Plan for Education – 4 Steps to Help Maximize Savings

529 savings plans are one of the most common ways to build wealth for education. Learn four steps that can help ensure you're making the most of your plan.

Read More on 529 Plan for Education – 4 Steps to Help Maximize Savings

college-aged woman studying

family & money

Using Student Loans to Help Finance Your College Education

If your child is offered an aid package that includes loans, think about whether repaying those loans will create a financial strain for you or your child. Learn about two categories of college loans: subsidized and unsubsidized.

Read More on Using Student Loans to Help Finance Your College Education

woman opening box with engagement ring

family & money

Money and Marriage: Tying the Financial Knot

You and your future spouse are not only romantic partners—you are financial partners, too. As a result, you'll need to address several financial questions.

Read More on Money and Marriage: Tying the Financial Knot

Insurance

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insurance & long-term care

Learn About Medicare and Medigap

Learn the basics of parts A, B, C and D of Medicare.

Read More on Learn About Medicare and Medigap

elder couple smiling

insurance & long-term care

Elder Care: Good Planning Can Make All the Difference

Before a crisis hits, consider key steps to take to plan ahead and arrange for care.

Read More on Elder Care: Good Planning Can Make All the Difference

Financial Guidance

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investing

Trading Options: The Basics

Investment strategies designed to take advantage of price movements in up and down markets.

Read More on Trading Options: The Basics

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investing

Five Things to Remember in Volatile Markets

Since 1980, the S&P 500 has experienced intra-year corrections of over 10% in 22 separate years but has finished the year with a negative annual return in just 8 of those years (or 36 percent of the time). Nearly all of those years were associated with U.S. recessions (1981, ...

Read More on Five Things to Remember in Volatile Markets

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investing

Introduction to Equities

Equities are shares of fractional ownership of a company. Shareholders have a claim on either the returns that the company generates during operations, or any residual claim on the company assets in the event of the company’s liquidation (this happens after all debts are paid).

Read More on Introduction to Equities

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investing

Introduction to Exchange-Traded Funds (ETFs)

An ETF, or exchange-traded fund, is a marketable security that tracks various underlying assets, such as an index, a commodity or bonds. Unlike mutual funds, an ETF trades like a common stock on a stock exchange. ETFs experience price changes throughout the day as they are ...

Read More on Introduction to Exchange-Traded Funds (ETFs)

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investing

Introduction to Sustainable Investing

Sustainability is increasingly a key consideration for investors. Sustainable investments has the potential to deliver risk adjusted returns comparable to those of traditional investments, but with the additional satisfaction of alignment with environmental and/or social goals.

Read More on Introduction to <span class="nowrap">Sustainable Investing</span>

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investing

6 Steps to Building Your Portfolio

Building a portfolio is sort of like building a house. You want a design that you will be happy with and that meets your family’s needs. You’ll need ...

Read More on 6 Steps to Building <span class="nowrap">Your Portfolio</span>

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investing

Mutual Fund Basics

Mutual funds are a popular way to invest in securities. Because mutual funds can offer diversification and professional management, they may offer certain advantages over purchasing individual stocks and bonds.

Read More on Mutual Fund Basics

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investing

Does Systematic Investing and Dollar Cost Averaging Make Sense for You?

You may have heard of the terms “systematic investing” and “dollar cost averaging,” but ...

Read More on Does Systematic Investing and Dollar Cost Averaging Make Sense <span class="nowrap">for You?</span>

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investing

Investing Basics: Taking on Risk — In the Hope of Earning Higher Returns

Many of us start out as savers, favoring bank products such as savings accounts and ...

Read More on Investing Basics: Taking on Risk — In the Hope of Earning <span class="nowrap">Higher Returns</span>

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investing

Giving Your Money a Checkup: Has Your Portfolio Lost Its "Balance"?

Learn the basics of when and how to rebalance your portfolio.

Read More on Giving Your Money a Checkup: Has Your Portfolio Lost Its "Balance"?

Personal Finance

person pinching a tablet to expand the page

personal finance

Numbers You Need to Know: 2021 and 2022

Use these key numbers as you ponder crucial goals like saving for retirement and college expenses, amounts to give to charities, and planning for changes in your estate.

Read More on Numbers You Need to Know: 2021 and 2022

Man using a calculator

personal finance

What About an Emergency Fund?

Get ideas on how much you should set aside for a financial emergency and sources of funds to tap into.

Read More on What About an Emergency Fund?

senior couple hugging

retirement

Approaching Retirement

After decades of hard work, you’re about to get your reward—the chance to do what you want, without worrying about where your next paycheck is coming from.

Read More on Approaching Retirement

Senior couple hugging

retirement

7 Ways You Might Think About Boosting Retirement Income & Maximizing Assets

If you need more income, consider seven ways to try to boost your income and maximize assets.

Read More on 7 Ways You Might Think About Boosting Retirement Income &amp; Maximizing Assets

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retirement

Comparison – Traditional vs. Roth IRAs

Learn about the factors to consider when choosing an IRA.

Read More on Comparison – Traditional vs. Roth IRAs

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retirement

The Right Time to Collect Social Security

Review different scenarios for when taking Social Security may make sense for you.

Read More on The Right Time to Collect Social Security

Trust and Estate

person signing a document

trust & estate

Change of Trustee Considerations
At a Glance

Grantors and beneficiaries often want the ability to remove trustees and appoint replacements. Since residence, family circumstances, financial ...

Read More on Change of Trustee Considerations<br class="lg-min-block"><span class="nowrap">At a Glance</span>

person signing a document

trust & estate

Trust Fundamentals
At a Glance

You want to protect your wealth and have your assets passed on to whom you choose under the conditions you specify. A trust can help give you this ...

Read More on Trust Fundamentals<br class=" lg-min-block"> <span class="nowrap">At a Glance</span>

1040 tax form

trust & estate

Your 2021 Tax Planning

Why put off until tomorrow what can save you money today? Citi Personal Wealth Management can help you better understand how to reduce your 2021 taxes. We have also outlined areas to consider when starting to think about how to confidently grow and protect your wealth in 2021 ...

Read More on Your 2021 <span class="nowrap">Tax Planning</span>

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trust & estate

Charitable Giving Can Benefit Tax and Estate Planning

Giving to charity can be as simple as writing a check or donating old clothes and furniture. But as you give, you might also be looking to save on taxes and meet estate-planning goals.

Read More on Charitable Giving Can Benefit Tax and <span class="nowrap">Estate Planning</span>

person signing a document

trust & estate

Estate Planning: Beyond a Will

To many, estate planning means getting a will or living trust. To others it may also mean reducing estate taxes — and that is a problem. Yes, ...

Read More on Estate Planning: <span class="nowrap">Beyond a Will</span>

Mature adult man on the phone looking concerned

trust & estate

What to Do After a Loved One Dies: 3 Important Steps to Follow

With death comes grief and, as a result, it is easy to make mistakes and miss crucial details after the loss of a loved one. Here are some key items to keep in mind when it comes to death and finances.

Read More on What to Do After a Loved One Dies: 3 Important Steps to Follow

See More Content

Use the filters below to see more market commentary, useful webcasts and financial guidance content.

articles found

Mid-Year Outlook 2022 Webcast with Shawn Snyder and Kris Bitterly

Mid-Year Outlook 2022 Webcast with Shawn Snyder and Kris Bitterly

Following the economic boom of 2021, the Fed has decided to take the fight to inflation.

Video (57:42)

Video: Build Quality, Resilient Portfolios Now

Video: Build Quality, Resilient Portfolios Now

David Bailin, Global Head of Investments & Chief Investment Officer, Citi Global Wealth

Video (6:24)

Video: The Digital Revolution Has Far to Go

Video: The Digital Revolution Has Far to Go

Digitalization equities have sold off along with many other secular growth themes in 2022. But we believe the long-term trend remains well intact and seek some exposure through certain alternative strategies.

Video (4:43)

Video: The Rise of Asia: G2 Polarization Accelerated

Video: The Rise of Asia: G2 Polarization Accelerated

The Russia-Ukraine war has further underlined deep differences between the US and China. We believe their escalating strategic competition will create potential investment opportunities.

Video (5:16)

Video: Where to Look for Portfolio Income

Video: Where to Look for Portfolio Income

Negative real interest rates remain a clear and present danger to the purchasing power of cash. We believe select income-seeking strategies can help defend against this threat.

Video (4:46)

Answers to Commonly Asked Questions on Taxes and Estate Planning

Answers to Commonly Asked Questions on Taxes and Estate Planning

Seasoned panelists answer commonly asked questions on taxes and estate planning.

Video (59:58)

The Expansion Will Endure

The Expansion Will Endure

In Outlook 2022 we highlight asset classes and regions that may lead the way in 2022 and beyond.

Video (65:23)

Video: The Expansion Will Endure

Video: The Expansion Will Endure

In Outlook 2022 we highlight asset classes and regions that may lead the way in 2022 and beyond.

Video (7:05)

Video: Unstoppable Trends — The Rise of Asia

Video: Unstoppable Trends — The Rise of Asia

We review and highlight the potential opportunities that we see for investors with vision.

Video (5:44)

Video: 5G and Beyond —Connection to the Future

Video: 5G and Beyond —Connection to the Future

We seek investment exposure to this unstoppable trend via 5G-related real estate and beneficiaries.

Video (5:18)

Video: Cyber Security — Safeguarding the Data Revolution

Video: Cyber Security — Safeguarding the Data Revolution

In this environment, ongoing expenditure on cyber security is not discretionary but essential to help mitigate risk.

Video (4:10)

Video: Fintech — Financial Services Trasformed

Video: Fintech — Financial Services Trasformed

Among our favored areas in fintech are payments and developers of solutions that can be sold to traditional providers.

Video (4:46)

Video: Unstoppable Trends — Greening the World

Video: Unstoppable Trends — Greening the World

We see potential opportunities for investors in diverse areas such as food production, cement making and water.

Video (4:48)

Video: Digitization — Reshaping Real Estate

Video: Digitization — Reshaping Real Estate

Increased adoption of e-commerce and remote working are set to endure far beyond the pandemic.

Video (5:01)

Video: Beat the Cash Thief

Video: Beat the Cash Thief

Chief Investment Strategist and Chief Economist Steven Wieting examines how to protect wealth when inflation is high.

Video (5:26)

Video of live webcast where panelists offer their insights on president biden's infrastructure and build back better acts and how it impacts you

How Will President Biden's Infrastructure and Build Back Better Acts Financially Impact You?

Our panelists offered their insights:

  • Adam Minehardt, Director of Federal Government Affairs, Citigroup
  • Shawn Snyder, Head of Investment Strategy, Citi Personal Wealth Management
  • Gil Hess, Senior Vice President, Divisional Advanced Wealth Planning Strategist, Citi Personal Wealth Management

Topics discussed include:

  • How might the spending be implemented and impact economic growth?
  • Should investors be worried about inflation?
  • What asset classes might benefit?
  • How will potential tax changes affect planning and investing?
  • Should any actions be taken before year-end with someone's portfolio and estate?

Video (67:42)

Video of Shawn Snyder discussing how to invest in this new economic cycle

Mid-Year Outlook 2021 Webcast

Join Shawn Snyder, Head of Investment Strategy, Citi U.S. Wealth Management, and Joe Fiorica, Global Head of Equity Strategy, Citi Private Bank.

Video (64:00)

Video of Shawn Snyder offering his insights on investing in a post-COVID global economy

2021 Outlook - A New Beginning: Investing in a Post-COVID World

Shawn Snyder, Head of Investment Strategy, Citi Personal Wealth Management, and Juan Arana, Head of the Citi International Personal Bank U.S. Investment Lab, offer their insights on investing in a post-COVID global economy.

Video (61:27)

Video of Shawn Snyder discussing the election and potential policy implications

Washington Watch: The Potential Impact of the Election

Shawn Snyder, Head of Investment Strategy, Citi Personal Wealth Management, and Bill Rys, Managing Director of Federal Government Affairs, Citigroup, share their thoughts on what the results of the U.S. election mean for financial markets, the economy, and your personal finances.

Video (57:00)

Video of Shawn Snyder discussing the election and potential policy implications

Washington Watch: The Path to the Presidency Webcast

Shawn Snyder, Head of Investment Strategy, Citi Personal Wealth Management, and Bill Rys, Managing Director of Federal Government Affairs, Citigroup, share their thoughts on the potential policy implications.

Video (68:00)

Video of Shawn Snyder discussing how to invest in this new economic cycle

Mid-Year Outlook 2020 Webcast

Shawn Snyder, Head of Investment Strategy, Citi Personal Wealth Management, discusses how to invest in this new economic cycle with Steven Wieting, Citi Private Bank’s Chief Investment Strategist and Chief Economist.

Video (59.19)

Explore Investing with Citi


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    Ways to Invest

    Invest the way that works for you - on your own, with an advisor or a combination of both.

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    Explore the range and depth of what we offer to support your investing and insurance needs.

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Important Information

The market and planning commentary on this site may discuss topics that are timely to current events at the time they were written. The relevance of such topics may change at future dates.

Diversification and asset allocation do not protect against loss or guarantee a profit.

Financial Advisors are representatives of Citi Personal Wealth Management and not of Citibank.

Please consult your Financial Advisor before making any investment decisions.

The above content is for informational purposes only and contains a summary of the topic and is not intended to be a comprehensive discussion, including any legal or tax ramifications of the strategies or concepts described herein. These strategies are not guaranteed to succeed or indicate future performance, and they do not necessarily represent the experience of other clients.

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