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This is general advice only and was prepared without taking into account your objectives, financial situation or needs. You should consider if the advice is appropriate for you. We recommend you seek professional advice before acting on the information in this material. You should read the Product Disclosure Statement or Terms and Conditions, available online or from a Citibank branch, before you make an investment decision. Investments are subject to risk, including loss of income and principal. Past performance is not an indicator of future performance. Due to exchange rate fluctuations, you risk losing capital if you invest in foreign currency. Some products are not available to US persons and may not be available in all jurisdictions. Investments are not a deposit with, liability of, or guaranteed by Citigroup Pty Limited, Citibank NA, Citigroup, Inc. or their related entities.