INVESTORS reluctant to seek financial advice from any one of the territory's established financial consultants, now have a choice. Citibank has introduced the first banking unit trust investment service in Hong Kong. Much like the services offered by local independent financial advisers, Citibank consultants will provide objective advice and investment assistance on 168 top-performing unit trust funds managed by eight leading fund houses including Baring International, Fidelity Investments, Global Asset, GT Management, Jardine Fleming, Investco MIM, Schroders Asia and Thornton Management. According to Tim Kelley, senior vice-president and general manager of Citibank's Global Consumer Banking, there are two basic differences between advice from its advisers and those from locally specialised financial advisers. ''The first point is convenience. Everyone has to do their banking, it is an unavoidable part of our lives. Citibank's services will allow investors to accomplish all their financial needs in one stop,'' said Mr Kelley. But even more important than convenience, investors would have the opportunity to seek advice from a large international company that has more than 90 years of business behind them. ''People know what we're all about, we've been around for so long. We're not one of these fly-by-night organisations, that is comforting for investors,'' Mr Kelley said. Citibank conducted a customer survey before initiating the unit trust services and the study indicated there was a strong need from customers for investment information and service from banks. Mr Kelley said that all customers would be able to seek advice from any one of the 20 authorised investment advisers.