RHB ASSET MANAGEMENT SDN. BHD.

MAKLUMAT KORPORAT

RHB Asset Management Sdn Bhd is a wholly-owned subsidiary of RHB Investment Bank Berhad. RHB Group Asset Management enjoys a significant presence in the ASEAN and Greater China region, with offices in Malaysia, Hong Kong, Indonesia, and Singapore where we offer customers close to 30 years’ worth of expertise and knowledge in asset management. In Malaysia, RHB Group Asset Management remains as one of the top 3 fund management companies in terms of total assets under management, offering conventional and Islamic products. In Indonesia, our ranking continued to improve and we closed 2015 at number 14 in terms of market share, out of the 85 players there.

For detail information on the PRS, please refer to the PRS Provider’s Disclosure Document & Product Highlights Sheet here

MAKLUMAT SKIM & DANA

TETAPAN DAN PILIHAN PERIBADI

Scheme Trustee: CIMB Commerce Trustee Berhad

PILIHAN PERIBADI LAIN

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page
Investment Objective The Fund aims to provide above average capital growth* over a medium to long term^ period by investing in one target fund.

Note: * “above average capital growth” here refers to capital growth that outperforms the benchmark of the Fund over a medium to long term period.
^ “medium to long term” in this context refers to a period between 3 – 7 years.

Fund Category Non – Core (Feeder fund – equity (Shariah-compliant)).
Investment Strategy The Fund will invest principally in the target fund, i.e. the RHB Dana Islam (“Dana Islam”) which is managed by RHBAM.

Both RHBAM and Dana Islam are regulated by the Securities Commission Malaysia under the Capital Markets and Services Act 2007.

Although the Fund is passively managed, the investments of the Fund will be rebalanced from time to time to meet sales and redemption transactions and to enable the proper and efficient management of the Fund.

Asset Allocation Investments in units of Dana Islam At least 95% of the NAV
Investments in liquid assets including Islamic
money market instruments and placements of cash
1% to 5% of the NAV.
Performance Benchmark FTSE Bursa Malaysia Emas Shariah Index.

Note: The risk profile of the Fund is not the same as the risk profile of the performance benchmark .

Member Profile The Fund is suitable for members who are looking for investments in a diversified portfolio of assets that comply with Shariah requirements. These members are willing to accept moderate to high risk in their investments and prefer capital growth rather than income over a medium to long term^ period.

^Note: “medium to long term” in this context refers to a period of between 3 – 7 years.

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page
Investment Objective The Fund aims to maximise total returns through a combination of long term^ growth of capital and current income# consistent with the preservation of capital* by investing in one target fund.

Note: ^ “long term” in this context refers to a period between 5 – 7 years.
# Income is in the form of Units.
* The Fund is not a capital protected or a capital guaranteed fund.

Fund Category Non – Core (Feeder fund – balanced (Shariah-compliant)).
Investment Strategy The Fund will invest principally in the target fund, i.e. the RHB Dana Hazeem (“Dana Hazeem”) which is managed by RHBAM. Both RHBAM and Dana Hazeem are regulated by the Securities Commission Malaysia under the Capital Markets and Services Act 2007.

Although the Fund is passively managed, the investments of the Fund will be rebalanced from time to time to meet sales and redemption transactions and to enable the proper and efficient management of the Fund.

Asset Allocation Investments in units of Dana Hazeem At least 95% of the NAV.
Investments in liquid assets including Islamic
money market instruments and placements of cash
1% to 5% of the NAV.
Performance Benchmark Composite benchmark comprising:

  • 50% FTSE Bursa Malaysia Emas Shariah Index or such other equivalent index as may be substituted by Bursa Malaysia Securities Berhad; and
  • 50% Maybank Islamic Bank Berhad 12-month Islamic fixed deposit.

Note: The risk profile of the Fund is not the same as the risk profile of the performance benchmark.

Member Profile The Fund is suitable for members who require investments that comply with Shariah requirements and are willing to accept moderate risk in their investments in order to achieve long term^ growth and income#.

Note: ^ “long term” in this context refers to a period between 5 – 7 years.
# Income is in the form of Units.

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page
Investment Objective The Fund aims to provide capital growth and income over medium to long term^ by investing in a portfolio of Islamic collective investment schemes (“CIS”).

Note: ^“medium to long-term” in this context refers to a period between 3-5 years.

Fund Category Non – Core (Fund of Funds (Shariah-compliant)).
Investment Strategy To achieve its investment objective, the Fund seeks to invest at least 95% of its assets in a diversified portfolio of Islamic CIS (including Islamic real estate investment trusts and Islamic exchange traded funds) to gain exposure to global Shariah-compliant equities, as well as global Islamic fixed income instruments such as sukuk, Islamic money market instruments and Islamic deposits. Through the investment into Islamic CIS, the portfolio of the Islamic CIS may have up to 100% exposure in global Shariah-compliant equities or up to 100% exposure in global Islamic fixed income instruments.

The External Investment Manager takes an active investment strategy in terms of the Fund’s asset allocation. The allocation between the Islamic CIS is done through a combination of macroeconomic data, liquidity trends and the outlook to overweight or underweight a particular Islamic CIS. However, once a decision is made with regard to the actual allocation, the Fund will take a more passive stance by holding on to investments it already owns. Nevertheless, the External Investment Manager will hold the flexibility to actively shift the Fund’s asset allocation should it deem necessary based on the prevailing market conditions.

As the Fund will invest at least 95% of its assets into Islamic CIS, the risk management strategies and techniques employed by the External Investment Manager include diversification of the Fund’s investments in terms of its exposure to various Islamic CIS. The External Investment Manager will conduct a stringent screening process by conducting fundamental analysis, and close monitoring of the performance of the Islamic CIS.

The External Investment Manager may take temporary defensive positions that may be inconsistent with the Fund’s investment strategy in response to adverse economic, political or any market conditions.

Asset Allocation Investments in Islamic CIS At least 95% of the NAV.
Investments in Islamic liquid assets including Islamic money market instruments, placements of cash and Islamic CIS investing in Islamic money market instruments and Islamic deposits. Balance of the Fund’s NAV.
Performance Benchmark 35% MSCI World Islamic Index + 25% MSCI Islamic Asia Ex Japan Index+ 40% RHB Commodity Murabahah Deposit-i 12-month fixed deposit rate.

Note: The risk profile of the Fund is not the same as the risk profile of the performance benchmark.

Member Profile The Fund is suitable for members who are looking for investments in a diversified portfolio of global assets that comply with Shariah requirements and are willing to accept moderate to high risk in their investments in order to achieve medium to long term^ growth and income.

Note: ^“medium to long term” in this context refers to a period between 3 –5years

CARUMAN DAN PENGELUARAN

There are fees and charges involved and you are advised to consider them before contributing to the scheme.

For All Funds
Minimum contribution Initial contribution: RM100.00 or such other amount as the PRS Provider may decide from time to time.
Subsequent contribution: RM100.00 or such other amount as the PRS Provider may decide from time to time.
Minimum Withdrawal No minimum.

YURAN & CAJ

There are fees and charges involved and you are advised to consider them before contributing to the scheme.

RHB Retirement Series – Conservative Fund RHB Retirement Series – Moderate Fund RHB Retirement Series – Growth Fund RHB Retirement Series – Islamic Equity Fund RHB Retirement Series – Islamic Balanced Fund RHB Retirement Series – i-Allocator Fund
Sales charge Up to 0.50% of the NAV per unit. Up to 1.00% of the NAV per unit. Up to 3.00% of the NAV per unit.
Members may negotiate for a lower sales charge. An investor can expect differing sales charge to be levied when buying units from the various distribution channels and within each distribution channel (i.e. directly from RHBAM or participating Institutional Private Retirement Scheme Adviser (“IPRSAs”) or Corporate Private Retirement Scheme Adviser (“CPRSAs”) or private retirement scheme consultants), subject to the maximum sales charge stipulated above. This is due to the different levels of services provided by each distribution channel and/or the size of the investment undertaken.
Redemption charge Nil.
Switching fee (between funds in this Scheme) Nil.
Switching fee (between funds in another PRS managed by RHBAM) Not Applicable.
Transfer fee (to another PRS provider) RM 25 for each transfer transaction
Annual management fee Up to 1.00% per annum of the NAV of the Fund. Up to 1.50% per annum of the NAV of the Fund.
Annual scheme trustee fee Up to 0.04% per annum of the NAV of the Fund
Annual PPA administration fee 0.04% per annum of the NAV of the Fund

PENDEDAHAN RISIKO

You are advised to read the scheme’s disclosure document and understand the risks involved and, if necessary, consult your professional adviser before making contributions.

General Investment Risks

Inflation risk, Non-compliance risk, Capital and returns not guaranteed, Fund Manager risk, Risks associated with the default option, Legal and regulatory risk and Market risk.

Specific Risks of the Funds

RHB Retirement Series – Conservative Fund RHB Retirement Series – Moderate Fund RHB Retirement Series – Growth Fund
Equity Risk checkmark checkmark checkmark
Credit Risk checkmark checkmark checkmark
Interest Rate Risk checkmark checkmark checkmark
Liquidity Risk checkmark checkmark checkmark
Income Distribution Risk checkmark checkmark checkmark
Derivative Risk checkmark checkmark checkmark
Collective Investment Scheme Risk checkmark checkmark checkmark
Currency Risk checkmark checkmark checkmark
Country Risk checkmark checkmark checkmark

RHB Retirement Series – Islamic Equity Fund RHB Retirement Series – Islamic Balanced Fund RHB Retirement Series – I-Allocator Fund
Management Risk checkmark checkmark checkmark
Market Risk checkmark checkmark checkmark
Particular Security Risk checkmark checkmark checkmark
Reclassification of Shariah Status Risk checkmark checkmark checkmark
Interest Rate Risk checkmark checkmark checkmark
Credit/default Risk checkmark checkmark checkmark
Liquidity Risk checkmark checkmark checkmark
Country Risk checkmark checkmark checkmark
Islamic Collective Investment Schemes Risk checkmark checkmark checkmark
Profit Rate Risk checkmark checkmark checkmark

LAIN-LAIN

For the Fund Investment Performance information, please refer to PRS Fund Performance.
RHB Bank
Level 2, Tower Two & Three, RHB Centre, Jalan Tun Razak, 50400 Kuala Lumpur.
Toll Free no: 1-800-88-8742
Website: www.rhbgroup.com

RHB Asset Management Sdn Bhd (Company No. 174588-X)
Level 8, Tower 2 & 3, RHB Centre, Jalan Tun Razak, 50400 Kuala Lumpur.
Tel: 603-9205 8000
Fax: 603-9205 8100
Toll Free no: 1-800-88-3175
Email: rhbam@rhbgroup.com
Website: www.rhbgroup.com/myinvest

RHB Asset Management Sdn Bhd offices:

Penang Office
64-D Lebuh Bishop
10200 Penang
Tel: 04-264 5639
Fax: 04-264 5640
Ipoh Office
4th Floor, 21-25,
Jalan Seenivasagam, Greentown
30450 Ipoh, Perak
Tel: 05-242 4311
Fax: 05-242 4312
Batu Pahat Office
53, 53-A and 53-B Jalan Sultanah
83000 Batu Pahat, Johor
Tel: 07-438 0271
Fax: 07-438 0277
Melaka Office
581B, Taman Melaka Raya
75000 Melaka
Tel: 06-284 4211
Fax: 06-292 2212
Kuantan Office
B 32-34, 2nd Floor
Lorong Tun Ismail 8
Sri Dagangan II
25000 Kuantan, Pahang
Tel: 09-517 3611
Fax: 09-517 3612
Taman Molek Office
2nd Floor, No. 21 & 23
Jalan Molek 1/30
Taman Molek
81100 Johor Bahru
Johor
Tel: 07 – 358 3587
Fax: 07 -358 3581
Kota Bharu Office
No 3953-H, 1st Floor
Jalan Kebun Sultan
15350 Kota Bharu, Kelantan
Tel: 09-741 8539
Fax: 09-741 8540
Kuching Office
Lot 172, Section 49, K.T.L.D
Jalan Chan Chin Ann
93100 Kuching, Sarawak
Tel: 082-245 611
Fax: 082-242 712
Kota Kinabalu Office
Lot No. C-02-04, 2nd Floor
Block C, Warisan Square
Jalan Tun Fuad Stephens
88000 Kota Kinabalu, Sabah
Tel: 088-528 686/692
Fax: 088-528 685
Miri Office
Lot 1268, Second Floor
Centre Point Commercial Centre
Jalan Melayu
98000 Miri, Sarawak
Tel: 085-422 788
Fax: 085-415 243

Philip Mutual

Kenanga Investment Bank Berhad

Kenanga Investors Berhad