I like municipal bonds for 2014: Pro

There's plenty of cash yet to move into equities, making the stock market's prospects bright for 2014, Suni Harford of Citigroup said Thursday.

"We still have $9 trillion in household cash. I think a lot of it needs to be put to work," she said. "We've got a lot of our funds, are still sitting on cash. Eight, 9 percent of funds are telling us that they've got cash on the books. So, I think there's more of a technical play on equities. People haven't gotten in yet, especially ahead of January, which is going to be a very telling month."

Harford, who oversees Citigroup's North American sales, trading and business origination of premium securities, was voted as one of the 25 most powerful women in finance by American Banker Magazine this year.

(Read more: Dennis Gartman doubles down on bond shorts)