Citibank Malaysia

For centuries, Gold has been recognised as a global currency and an object of beauty. Today, Gold has the potential to help you grow your wealth.

1.	Store of Value: Gold has held its value over the long term very well
2.	Hedge against Inflation: Gold has remained largely stable in terms of retaining its purchasing power. In contrast, the real value of most currencies has generally declined
3.	Investment Diversification: Gold has low correlation with major asset classes
4.	Protection from economic turmoil: Gold has continued to perform well in times of economic turmoil

As a Citibank customer, you get to enjoy 2 innovative gold investments:
•	Citibank Gold Account
•	Citibank Dual Currency Account (Gold)

Both innovations provide you the benefits of a gold investment without the hassles and costs of physical possession. That’s not all. You are also entitled to invest via multiple currencies.

Assuming the current Citibank's 'sell' price for gold is USD1,200 per ounce. With a USD100,000 principal investment, you are able to purchase 83.33 ounces of gold (USD100,000/USD1,200 per ounce) and place this into your Citibank Gold Account.

Scenario 1

Scenario 2

Gold Price (i.e. Citibank’s 'buy' price)	Price of gold rises to USD1,220 per ounce	Price of gold declines to USD1,180 per ounce
Value of Gold Account	USD101,662.60 (83.33 ounces x USD1,220 per ounce)	USD98,329.40 (83.33 ounces x USD1,180 per ounce)
Profit/Loss when gold is converted back to USD	Profit of USD1,662.60	Loss of USD1,670.60

Note:
1. Rates quoted in the above scenarios are meant for illustrative purposes only.
2. Profit or loss is only materialised when customer sells gold back to Citibank at Citibank’s 'buy' price.