Investment Capabilities

Discover our broad array of investment capabilities designed to meet your needs and objectives.

Citizens Bank & Trust offers a broad array of investment capabilities across most major asset classes and subclasses. Because every client's goals are different, we strive to bring a personalized, risk-sensitive approach to investment management. From cash management, fixed income and equities to alternative investments and sophisticated multi-manager programs, we offer solutions designed to address your needs.

Cash Management

Short-term portfolio management services designed to meet your liquidity and yield requirements.

Fixed Income

A variety of solutions to help you manage risk while providing a dependable stream of income

Equity

We select individual stocks based on quality and capital appreciation potential, regardless of equity style and offer equity diversification through mutual funds and exchange-traded funds (ETFs).

Manager of Managers Services

A program offering a trusted, single source for diversification across multiple asset classes and investment managers.

Single Stock Exposure Management

We act as an independent advisor to holders of concentrated stock holdings. Our sole purpose is to help you identify and structure the optimum solutions to your needs.

Tax Advantaged Equity Portfolios

We help you manage your after-tax wealth by providing target market exposure and active tax management.

Cash Management

Short-term investments designed to help preserve principal and maximize income

Ideally, short-term investments should address your need for liquidity without sacrificing your desire for yield. As with any asset category, effective short-term investment management requires experienced, day-to-day attention.

At Citizens Bank & Trust, we consider cash instruments an important asset class that must be actively managed with the same diligent care as equity and fixed-income investments. To that end, we offer custom short-duration portfolio management services designed to help deliver consistent returns.

For significant cash assets, we create individually constructed portfolios with the following specific objectives in mind:

• Liquidity
• Cash flow
• Tax considerations
• Asset quality
• Investment returns

The Citizens Bank & Trust Difference

You can count on our proven philosophy, devoted professionals and broad array of products to create a program that is tailored to help meet your needs. Our combination of capabilities-rare in the financial services industry-enables us to provide you with a comprehensive after-tax solution to investing. We will build a portfolio to suit your current individual goals and work with you to modify it as your tax strategies change.

Fixed Income

Benefit from a dependable source of income while managing risk

Fixed-income investment can be an important tool for managing risk and providing a source of income. At Citizens Bank & Trust, these investments are actively managed and carefully monitored to help maintain their value within your portfolio and as part of your overall investment program.

We offer a variety of solutions to help you generate current income while attempting to preserve your asset base, including:

• Fully customized and actively managed separate portfolio (managed according to your specified profile and benchmark index)
• Separate portfolio with a choice of three pre-selected benchmarks
• Buy-and hold, maturity-driven portfolio that is monitored for credit quality and maturity

The Citizens Bank & Trust Difference

Citizens Bank & Trust brings several decades of experience to its position as an investment manager. Few other investment management firms can equal the institutional resources our fixed income specialists rely on for the management of this asset class. Our nationally respected, independent research analysts conduct a review of domestic and international fixed income opportunities to provide premium benefits to our clients.