Sustainable investing 

Our sustainable investing strategies empower you to create portfolios that align with your personal values while pursuing competitive risk-adjusted returns.

By nature, clients of the Private Bank are progress makers who strive to improve the world we live in.

Among their priorities are protecting the environment, contributing to a more equitable society and raising standards of corporate behavior.

As consumers, many of the individuals and families we serve are considering the impacts of climate change, natural resource depletion, biodiversity loss, supply chain management and human rights across the businesses with which they interact. In their business and philanthropic activities, they are committing capital to innovations that address the world’s greatest challenges.

In common with the Private Bank and the wider Citi, many of our clients believe that private capital can and should be used to effect positive change via investment strategies that incorporate sustainability principles.

Our clients are thus using their influence as investors to seek greater transparency into companies’ processes and impact, along with enhanced board oversight and ownership of risks.

They are also increasingly aware of other benefits of sustainable investing, such as holistic risk management, a diverse source of opportunities, and potential returns. Investing with Purpose (IwP) is Citi Private Bank’s approach to sustainable investing.


Our IwP offering spans managed opportunities, alternative investments and capital markets strategies that enable you to pursue your financial and sustainability objectives. Whether you seek exposure to individual investments or wish to build entire core and opportunistic portfolios that reflect your worldview and values, we can help you realize your sustainable investing goals.

We enable investors to pursue simultaneous societal change and competitive financial returns.

Harlin Singh Urofsky
Global Head of Sustainable Investing

How we serve you

Portfolios built around you
IwP is the natural extension of our years of customizing portfolios for our clients.

We begin with an in-depth understanding of your sustainability goals and preferences and implement them with investments that meet your risk and return characteristics.

Our robust platform comprises opportunities across all asset classes. The Private Bank also offers self-directed sustainable investments in order to meet risk profile requirements and thematic preferences such as renewable energy or clean water.

Moreover, we provide access to investments such as green and social bonds that have a clearly defined use of proceeds.

If you seek thematic investments, we can create this exposure by adding an opportunistic/thematic tilt to either a traditional core portfolio or a core portfolio comprising broad environmental, social and governance (ESG) managers.

Institutional-caliber analytics
To help guide the creation of your sustainable portfolios, we offer you access to institutional-caliber analytics.

Our Global Investment Lab has developed proprietary tools to give you insights into the sustainability characteristics of individual securities and managed strategies. These include ESG risks, exposure to desirable or controversial themes and corporate carbon footprint.

We can provide these insights in respect of all your holdings at Citi and elsewhere.*

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Our culture of sustainability
Citigroup is a long-time advocate of sustainability and inclusion practices in the financial sector and in society more broadly.
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Meet our people

Your questions

Sustainable investing is when investors seek varied financial and sustainability outcomes depending on their investment objectives and processes. It encompasses four main approaches, including Socially Responsible Investing (includes Ethical investing), ESG Integration, Thematic investing, and Impact investing.

Learn more about sustainable investing

There's a widespread perception that applying environmental, social, and governance criteria means sacrificing performance. We disagree.

Sustainable investments are exposed to the same risks as other traditional investments. However, greater regulatory oversight and transparency is critical for investors to feel confident about sustainable investing. This includes understanding the ESG score behind an investment as it may not tell the full story; a deep fundamental analysis of a company or a portfolio manager’s investment processes is therefore essential.

Learn more about the risks of sustainable investments

In some jurisdictions, the term sustainable investment is used to describe very specific investments. For example, in the EU, the term sustainable investment has come to mean compliance with the Sustainable Finance Disclosure Regulation and or alignment with the EU taxonomy which entails investing in companies which conduct specific economic activities that meet regulation defined environmental criteria.

The four main approaches to sustainable investing are Socially Responsible Investing (encompasses Ethical investing), ESG Integration, Thematic Investing and Impact Investing. The last approach, Impact Investing, seeks to generate measurable impact in a particular environmental or social area.

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Sustainable investing

Our approach

Investing with purpose is the natural evolution of our years customizing portfolios for clients. Sustainable investing is where investors seek varied financial and sustainability outcomes depending on their investment objectives. It encompasses four main approaches, including socially responsible investing (including ethical investing), ESG integration, thematic investing, and impact investing.

Learn more


Read some of our insights into the key issues for you and your wealth.

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Read some of our insights into the key issues for you and your wealth.

View all insights
Contact us

To help put you in touch with the right Private Bank team, please answer the following questions.

*Available when clients share information of their holdings at other financial institutions.

Sustainability and Sustainability Risk 
 Sustainable / Sustainability: In environmental science, the quality of not being harmful to the environment or depleting natural resources, and thereby supporting long-term ecological balance. Sustainability presumes that resources are finite and should be used conservatively and wisely with a view to long-term priorities and consequences of the ways in which resources are used. Within context of sustainable development, operating practices that meet the needs of present users without compromising the ability of future generations to meet their own needs, particularly with regard to use and waste of natural resources. UNESCO assigns four dimensions to sustainable development - society, environment, culture and economy. 
Sustainability Risk: Risk of an environmental, social or governance event or condition that, if it occurs, could cause an actual or a potential material negative impact on the value of an investment. The financial position of the investments in the portfolios managed by a portfolio manager may deteriorate due to the environmental, or social, or governance risks these investments are exposed to, which in turn may impact the market value of investments.
There are numerous environmental, social and governance (ESG) data providers that evaluate companies on their ESG performance and provide reports and ratings. Report and ratings methodology, scope and coverage, vary greatly among providers. 
 ESG (“Environmental, Social and Governance”) within an investment context, is an umbrella term for investment approaches that seek to incorporate environmental, social and governance considerations in security selection and investment management, with the aim of achieving a more sustainable, responsible and/or ethical investment outcome