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Updated: 8/17/07
As a Citigroup employee, you may be eligible to participate in your company's 401(k) plan. This page is dedicated to giving you the information you need to make the most of your retirement plan.
If you find this information helpful, please help us spread the word at Citigroup.
According to our records, your current plan options are listed below. Please let us know if your plan has changed, or if there are additions or deletions to this list.
Barclays Target funds
BGI LifePath Fund 2010
BGI LifePath Fund 2015
BGI LifePath Fund 2020
BGI LifePath Fund 2025
BGI LifePath Fund 2030
BGI LifePath Fund 2035
BGI LifePath Fund 2040
BGI LifePath Fund 2045
SSga Index funds
S&P 500
Russell 2000
S&P 400 Mid Cap
Russell 3000
MSCI EAFE
Int'l Small Cap
MSCI Emerging Market
Lehman Brothers Aggregate Bond
Lehman Brothers U.S. TIPS
DJ/Wilshire REIT
DJ/AIG Commodity
Actively managed funds
Citi Instl Liquid Reserves
Stable Value
U.S. High Yield Bond
Brandywine Global Bond
Emerging Market Bond
Legg Mason Partners All Cap Growth
Private Capital All Cap Value
Wellington Large Cap Growth
Barrow Hanley Large Cap Value
Wellington Mid Cap Growth
Small Cap Growth
Small Cap Value
DFA International
Dodge & Cox International
AIG International Small Cap
Emerging Market Equity
AEW Capital Management REIT
Citigroup Common Stock
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What we like about this retirement plan: Completely revised in September 2007, this plan now offers a wide selection of fund choices covering all the significant asset classes. Core index funds are supplemented by managed asset class funds, most with low expense ratios, making this one of the very best retirement plans we've reviewed.
Our Citigroup 401(k) Plan Recommendations
Here are our asset allocation recommendations based on the level of risk you decide to take. To determine your tolerance for risk so that you can choose the portfolio that's right for you, be sure to read the articles linked on our homepage. It's important that you understand the basis for our recommendations, because you'll be more likely to implement them and stay the course. If you have questions, check our FAQs.
Aggressive Portfolio
When you want to take out all the stops and "go for it," this is the portfolio for you. Equally at home in the U.S. and abroad, this combination is a favorite of young investors with plenty of time before retirement. It’s also suited for those on a fast track who want or need all the speed and distance they can get from their investments. Because 100 percent of the portfolio is in equities, the only buffer against the slings and arrows of the market is time. But if you’ve got the time, this is the way to go. Our expected annual return for this portfolio is 10 to 13 percent, with the likely one year loss of 25 to 40 percent.
Moderate Portfolio
This combination is a fine choice for many employees and especially for long-term investors. Its 60 percent weighting in equities gives it plenty of power for stock market growth, while the 40 percent in fixed-income provides stability and safety during declines in the market. This portfolio is most suitable for investors with five or more years until they will need their money. Our expected annual return for this portfolio is 7 to 10 percent, with the likely one year loss of 15 to 30 percent.
Conservative Portfolio
This combination stresses safety, with a mix of 40 percent equities and 60 percent fixed-income investments. It is most suitable for investors who consider themselves conservative, who are close to or past the age of retirement or who, for whatever reason, care more about holding onto their money than making it grow. Our expected annual return for this portfolio is 6 to 9 percent, with the likely one year loss of 5 to 15 percent.
| Funds |
Aggressive |
Moderate |
Conservative |
| SSga S&P 500 Index |
10%
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6%
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4%
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| Barrow Hanley Large Cap Value |
10%
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6%
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4%
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| Small Cap Value |
20%
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12%
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8%
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| DJ/Wilshire REIT |
10%
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6%
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4%
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| DFA International |
40%
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24%
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16%
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| MSCI Emerging Market |
10%
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6%
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4%
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| Lehman Brothers Aggregate Bond |
--
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20%
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30%
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| Stable Value Fund |
--
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20%
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30%
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Disclaimer:
This information is provided by Merriman Berkman Next, Inc., a
registered investment advisor, and is believed to be from reliable
sources, but no guarantee is made as to accuracy or completeness. The
investment securities and strategies discussed are not suitable for all
investors. Recommendations are of a general nature, not based on
knowledge of any individual's specific needs or circumstances, and
there is no intent to provide individual investment advisory,
supervisory or management services. Unless otherwise noted, all
reported or projected results (1) assume reinvestment of interest and
dividends; (2) are net of any applicable management fees and
transaction costs; and (3) do not reflect any effect of taxes. Past
returns, whether actual or hypothetical, are not indicative of future
results, which will be different from those of the past. Merriman Berkman Next, Inc. is not an authorized representative of Citigroup and its retirement plan.
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