rhb premier newsletter
Transcription
rhb premier newsletter
PREMIER PRIVILEGES PP13599/04/2013(032126) OCTOBER – DECEMBER 2016 Enjoy Lifestyle Privileges With RHB Premier RHB Premier Travel Privileges Journey to breathtaking destinations across the world Specially Curated Offers Wellness and luxury privileges for you and your loved ones RHB Bank Berhad (6171-M) Putting you first so you can create wonderful memories With us, you come second to none. Our total banking solutions are designed to meet your financial needs, endowed with exclusive privileges that let you focus on what is closest to your heart. RHB Premier – a world of privileges that puts you first. DEDICATED FINANCIAL PARTNER Certified Relationship Managers and Investment Specialists to manage your wealth. TRAVEL PRIVILEGES Exclusive travel offers and dedicated Travel Concierge for all your travel needs. CASH BACK 1% Cash Back on overseas retail spend with RHB Premier Visa Infinite Debit Card. RHB PREMIER VISA INFINITE CREDIT CARD PRIVILEGES UNLIMITED PREMIUM LOUNGE ACCESS* Access to Plaza Premium Lounges in Malaysia, Abu Dhabi, Hong Kong, London, Singapore and Taipei. EXCLUSIVE GOLF PRIVILEGES No green fees at selected golf clubs in Malaysia. EVERGREEN REWARD POINTS** 8x evergreen Reward Points for overseas retail spend. WELCOME REWARD FOR RHB PREMIER VISA INFINITE CARDMEMBERS*** Enjoy an exclusive one (1) year YTL Platinum Plus Membership and indulge in a 2D/1N stay in selected YTL Hotels and Resorts in Malaysia. For more information or full set of terms and conditions: Contact our dedicated RHB Premier Line at 03-9206 1188 • Visit any RHB Premier Centre or RHB Bank Branch • Log on to www.rhbgroup.com Terms and conditions apply. *Valid with a minimum spend of RM100,000 in a calendar year or ten (10) complimentary access if spending is below RM100,000 in a calendar year. | **Reward Points are not applicable for cash advance, charity, government and petrol transactions. | ***Eligibility: Valid for customers who apply for RHB Premier Visa Infinite Credit Card between 22 July – 31 October 2016 and spend a minimum of RM25,000 within 90 days from the date of receiving card approval SMS Notification. Limited to the first 1,000 Cardmembers only. Only applicable at six (6) participating YTL Hotels and Resorts within Malaysia. CONTENTS Welcome Note Travel Privileges 04 05 – 10 Exclusive Offers 11 – 15 Partner Solutions 16 – 17 Wealth Management Insights 18 – 19 Premier Events 20 – 23 Publisher RHB BANK BERHAD, Level 7, Tower One, RHB Centre, Jalan Tun Razak, 50400 Kuala Lumpur Printer Percetakan Maju Intan Sdn. Bhd. No. 31, Jalan Segambut Selatan, 51200 Segambut, Wilayah Persekutuan Kuala Lumpur For more information Contact our dedicated RHB Premier Line at 03-9206 1188 • Visit any RHB Premier Centre or RHB Bank Branch • Log on to www.rhbgroup.com 04 WELCOME NOTE Message from Executive Director / Head, Group Retail Banking Welcome to the second edition of Premier Privileges. At RHB Premier, putting you first comes as second nature to us. We are committed to providing you with world-class offers. From upgraded travel privileges to health benefits, to key investment insights, RHB Premier endeavours to provide opportunities that allow you to transcend the boundaries of the extraordinary. If you seek the thrill of adventure, discover Australia’s exciting Self-Drive tours and National Geographic Journeys that will transport you to breathtaking destinations. As your health and well-being are our priority, we’ve put together select health screening and supplement packages, especially for you and your loved ones. Heighten your experiences with a compilation of exclusive luxury item offers from our partners, which you will find in this edition of Premier Privileges. Heighten your experiences with a compilation of exclusive luxury item offers from our partners, which you will find in this edition of Premier Privileges. We’ve also included key regional market insights and strategies on how you can make your funds work better for you. Get a taste of the high life with these carefully curated offers to share with your loved ones. Yours sincerely, U Chen Hock 05 TRAVEL PRIVILEGES The world awaits you with RHB Premier Travel Concierge Journey into a world of endless luxuries and experience travel comfort reserved only for the elite. Whether you want to secure the best suite in the most exclusive hotel or book a tour for your entire family, RHB Premier is there to serve you with the very best while you make the most of your time and life. Pay with RHB Premier Visa Infinite Credit or Debit Card to enjoy the exclusive offers and deals by RHB Premier Travel Concierge. Providing a simple, fast and seamless experience, our RHB Premier Travel Concierge offers you the complete VIP treatment every step of the way. Whether for business or for leisure, our one-stop travel concierge service involves a dedicated service-oriented team to manage the end-to-end process of all your travel needs. From airline ticketing to visa applications, you’ll always be in good hands. So when it comes to travel, expect nothing less than the best from RHB Premier where you’ll be lavished with exceptional service wherever your destination takes you. To experience a world of benefits with hotel, travel and flight privileges, all reservations and arrangements must be made through RHB Premier Travel Concierge: i.RHB Premier Travel Concierge contact number: +603-2091 9847 •Available on Mondays to Fridays, 9am – 6pm (except Public Holidays) ii.Dedicated RHB Premier travel microsite – http://rhb.cit.travel/ iii.Dedicated RHB Premier email address – rhbpremier@cit.travel • All emails will be replied to during office hours 06 TRAVEL PRIVILEGES Exclusive airline offers Lufthansa Buy 1 and get 50% off second air ticket (Economy Class) • Sales period: 1 October – 31 December 2016 • Travel validity: 1 October 2016 – 31 March 2017 • Selected destinations in Europe Malaysia Airlines Buy 1 and get 50% off second air ticket (Economy Class / Business Class) • Sales period: 1 October – 30 November 2016 • Travel validity: 1 October 2016 – 31 March 2017 • China / Hong Kong Notes 1.Airline offers are subject to availability. Please refer to the RHB Premier travel microsite for further details and price list. 2.Airline offers are not valid with other discounts or promotions. 3.Payment must be made with RHB Premier Visa Infinite Credit or Debit Card only. 07 Travel PrivilegeS Exhilarating excursions Hong Kong Disneyland, Hong Kong RHB exclusive rate – RM275 for 1-day pass Free upgrade to 2-day pass • Sales period: 1 October – 30 November 2016 • Offer validity: 1 October 2016 – 31 March 2017 Macau Grand Prix, Macau RHB exclusive rate – HKD450 (Retail rate – HKD550) Ticket to area Grand Stand (A) with free seating • Sales period: 1 October – 31 October 2016 • Offer validity: 21 – 22 November 2016 (Race Days) House of Dancing Water, Macau RHB exclusive rate – HKD700 (Retail rate – HKD780) Ticket to area B with reserved seating • Sales period: 1 October – 30 November 2016 • Offer validity: 1 October – 31 December 2016 Nansha – Danang – Halong Bay Cruise Buy 1 free 1 5N Nansha – Danang – Halong Bay – Nansha Balcony Stateroom • Sales period: 1 – 31 October 2016 • Travel validity: 1 November – 31 December 2016 WIYO Pocket WiFi Rental Services Enjoy up to 3 days’ free rental • Selected long haul destinations • Offer validity: 1 October – 31 December 2016 Notes 1.Offers are subject to availability and are not valid with other discounts or promotions. 2.Prices are subject to change without prior notice due to currency fluctuations. 3.Payment must be made with RHB Premier Visa Infinite Credit or Debit Card only. 08 Travel PrivilegeS Breathtaking destinations Australia Self-Drive Tasmania RHB exclusive rate – RM1,276 (Retail rate – RM1,365) Complimentary upgrade to next car rental category Free-of-charge gift pack + AUD50 petrol voucher • Sales period: 1 October – 30 November 2016 • Offer validity: 1 October 2016 – 31 March 2017 South Australia RHB exclusive rate – RM2,415 (Retail rate – RM2,683) Complimentary upgrade to next car rental category Free-of-charge Adelaide City Tour per traveller • Sales period: 1 October – 30 November 2016 • Offer validity: 1 October 2016 – 31 March 2017 Queensland RHB exclusive rate – RM2,699 (Retail rate – RM2,999) Complimentary upgrade to next car rental category Free-of-charge Night Quarter Market food vouchers • Sales period: 1 October – 30 November 2016 • Offer validity: 1 October 2016 – 31 March 2017 National Geographic Journeys 10D Thailand Journey, Bangkok RHB exclusive rate – RM5,051 (Retail rate – RM5,612) • Sales period: 1 October – 31 December 2016 • Travel validity: 1 October 2016 – 30 June 2017 12D Cruise The Ganges, Kolkata to Varanasi RHB exclusive rate – RM6,418 (Retail rate – RM10,396) • Sales period: 1 October – 31 December 2016 • Travel validity: 1 October 2016 – 31 December 2016 Notes 1.Offers are subject to availability and are not valid with other discounts or promotions. 2.Prices are subject to change without prior notice due to currency fluctuations. 3.Payment must be made with RHB Premier Visa Infinite Credit or Debit Card only. 09 Travel PrivilegeS Breathtaking destinations National Geographic Journeys 10D Nepal: Himalaya Highlights, Kathmandu RHB exclusive rate – RM6,735 (Retail rate – RM7,484) • Sales period: 1 October – 31 December 2016 • Travel validity: 1 October 2016 – 30 June 2017 9D Morocco Journey, Casablanca to Marrakech RHB exclusive rate – RM6,548 (Retail rate – RM7,276) • Sales period: 1 October – 31 December 2016 • Travel validity: 1 October 2016 – 30 June 2017 7D Explore Jordan, Amman to Dead Sea RHB exclusive rate – RM5,987 (Retail rate – RM6,652) • Sales period: 1 October – 31 December 2016 • Travel validity: 1 October 2016 – 30 June 2017 10D Dijon to Paris RHB exclusive rate – RM6,932 (Retail rate – RM11,228) • Sales period: 1 October – 31 December 2016 • Travel validity: 1 October – 31 December 2016 7D Mexico’s Day of the Dead in Oaxaca RHB exclusive rate – RM4,863 (Retail rate – RM5,404) • Sales period: 1 – 28 October 2016 • Travel validity: 1 – 28 October 2016 9D Natural Highlights of Costa Rica, San Jose RHB exclusive rate – RM5,799 (Retail rate – RM6,444) • Sales period: 1 October – 31 December 2016 • Travel validity: 1 October 2016 – 30 June 2017 Notes 1.Offers are subject to availability and are not valid with other discounts or promotions. 2.Prices are subject to change without prior notice due to currency fluctuations. 3.Payment must be made with RHB Premier Visa Infinite Credit or Debit Card only. 10 Travel PrivilegeS Amazing adventures United States of America 7D Enchanting Canyonlands RHB exclusive rate – RM7,820 (Retail rate – RM8,686) Scottsdale, Grand Canyon National Park, Lake Powell, Zion National Park, Las Vegas • Sales period: 1 October – 31 December 2016 • Travel validity: 1 January – 31 October 2017 8D New England Spectacular Fall Foliage RHB exclusive rate – RM9,400 (Retail rate – RM10,441) Boston, Williamstown, Stowe, North Conway, Portland • Sales period: 1 October – 31 December 2016 • Travel validity: 1 September – 31 October 2017 10D Classic Mid Atlantic RHB exclusive rate – RM10,410 (Retail rate – RM11,562) Washington DC, Pittsburgh, Ontario, Lancaster, Philadelphia, New York • Sales period: 1 October – 31 December 2016 • Travel validity: 1 May – 31 October 2017 9D Best of California RHB exclusive rate – RM10,590 (Retail rate – RM11,765) San Francisco, Sonoma, Yosemite National Park, Monterey, Santa Barbara, Los Angeles • Sales period: 1 October – 31 December 2016 • Travel validity: 1 January – 31 October 2017 10D Wonders of American West RHB exclusive rate – RM10,850 (Retail rate – RM12,047) Las Vegas, Grand Canyon National Park, Lake Powell, Mesa Verde National Park, Moab, Bryce Canyon National Park • Sales period: 1 October – 31 December 2016 • Travel validity: 1 May – 31 October 2017 Notes 1.Offers are subject to availability and are not valid with other discounts or promotions. 2.Prices are subject to change without prior notice due to currency fluctuations. 3.Payment must be made with RHB Premier Visa Infinite Credit or Debit Card only. 11 EXCLUSIVE OFFERS Exclusive health screening for you and your family Exclusive to RHB Premier customers, Pathlab is offering health screen packages at a special reduced rate for blood and urine profile. Take advantage of the Pathlab-RHB Premier Health Screen package at RM488 (worth RM1,045), consisting of 66 tests. Bring a friend to receive one (1) complimentary blood pressure monitor with this package.* Get the Pathlab-RHB General Health Screen package at only RM188 (worth RM421), which includes 53 tests. When you bring a friend along for this deal, you’ll both receive an additional hs-CRP test (heart diseases risk factor) valued at RM63.* GOOD HEALTH allows you to do things you LOVE Oil Painting by Dato’ Dr. F.W Kam, age 77 Executive Director & Chairman, Pathlab Call Pathlab customer careline at 03-7882 6888 or log on to www.pathlab.com.my for more details. *Terms and Conditions 1. Quote c.c 4637 to enjoy this offer. 2. Fast for 10 – 12 hours prior to test. Drinking water can be consumed. 3. These offers are not valid with other discounts / vouchers / promotions and are not exchangeable for cash. 4. These offers are exclusive to RHB Premier customers and are valid until 31 December 2016 at all Pathlab Malaysia branches nationwide. 5. Payment must be made with RHB Premier Visa Infinite Credit or Debit Card. 12 EXCLUSIVE OFFERS Enjoy 50% off your second item – GNC helps you live the best you can At GNC LiveWell™, your health is their priority. Well-known throughout the world as the most trusted source for nutritional and fitness supplements, GNC LiveWell™ has a 80-year history of producing the highest quality products to help you live the best life. As the largest global specialty retailer of health food, they’ve set and maintained the standard in the nutritional supplement industry, enforcing strict regulations in labeling, ingredient safety and product potency. Today, there are more than 9,000 GNC LiveWell™ stores worldwide, with over 83 stores in Malaysia served by qualified Nutritionists and knowledgeable Nutritional Advisors. Stay at the top of your fitness game with GNC LiveWell™ and their special offers exclusive to RHB Premier customers. Enjoy 50% off your second item when you purchase any GNC / LAC supplements and receive a complimentary GNC frosted pill box with any purchase.* *Terms and Conditions 1. This offer is not valid with other discounts / vouchers / promotions and is not exchangeable for cash. 2. This offer is made exclusive to RHB Premier customers and valid until 31 December 2016 at all GNC Malaysia branches nationwide. 3. Payment must be made with RHB Premier Visa Infinite Credit or Debit Card. 13 Exclusive OFFERS An exclusive 1-year complimentary service* by Cycle & Carriage Bintang As an RHB Premier customer, you can now get a 1-year complimentary service* voucher when you purchase a Mercedes-Benz car from Cycle & Carriage Bintang Berhad between 1 July and 31 December 2016 using the RHB Premier Visa Infinite Credit or Debit Card. Terms and conditions apply. *Terms and Conditions 1.Payment made towards the purchase of vehicle must be made with RHB Premier Visa Infinite Credit or Debit Card only. 2.The voucher will not be issued to RHB Premier customers who have purchased Mercedes-Benz before 1 July 2016 and / or after 31 December 2016. 3.The voucher can be redeemed only at Cycle & Carriage Bintang Berhad service centres nationwide. 4.The original voucher must be presented at the service counter when registering for the service. 5.The voucher is valid for 3 years from date of issuance and RHB Premier customers can choose to use the voucher at any time within the stipulated period. 6.The voucher is limited to 1-time free service only. 7.The complimentary service voucher is valid for the following items : i. Engine oil ii. Oil filter iii.Windshield washer iv. Labour to replace engine and oil filter v. Car wash 8.The voucher is not redeemable for cash or transferable to any other vehicle or owner. 9. A lost or lapsed voucher will not be replaced. Service Centres SELANGOR Cycle & Carriage Bintang Petaling Jaya Tel: +603 7872 8166 / 8168 (After Sales) Service 24-hour: +6013 330 4600 / +6019 223 8455 Cycle & Carriage Bintang Mutiara Damansara Tel: +603 7711 6100 (After Sales) Service 24-hour: +6012 214 6005 Cycle & Carriage Bintang Glenmarie Tel: +603 5567 9399 (After Sales) Service 24-hour: +6019 237 7661 Cycle & Carriage Bintang Batu Caves Tel: +603 6192 9200 Service 24-hour: +6012 268 9244 / +6019 353 7735 JOHOR BAHRU Cycle & Carriage Bintang Johor Bahru Tel: +607 238 1590 (After Sales) Service 24-hour: +6019 778 6822 PERAK Cycle & Carriage Bintang (Perak) Sdn Bhd Tel: +605 506 4266 (Sales & After Sales) Service 24-hour: +6019 511 3180 PENANG Cycle & Carriage Bintang (Northern) Sdn Bhd – Georgetown Tel: +604 263 9834 (Sales) Service 24-hour: +6016 412 7217 Cycle & Carriage Bintang (Northern) Sdn Bhd – Bukit Tengah Tel: +604 507 2966 Service 24-hour: +6019 412 7217 KEDAH Cycle & Carriage Bintang (Northern) Sdn Bhd – Alor Setar Tel: +604 732 7732 Service 24-hour: +6019 414 7217 14 EXCLUSIVE OFFERS Revel in relaxation OGAWA OmKNEE Therapy Foot Reflexology OGAWA Mobile Seat NE Plus Mobile Cushion With Neck Save up to RM1,000 with the purchase of the OGAWA OmKNEE Therapy Foot Reflexology and OGAWA Mobile Seat NE Plus at RM3,198 (Normal price: RM4,198).* Pamper yourself with OGAWA and their special offers designed to indulge your senses. Exclusive to RHB Premier customers, enjoy savings of up to RM3,000 with the purchase of the OGAWA Nex Evol Thermo Care Massage Chair at RM9,999 (Normal price: RM12,999).* Selected OGAWA Retail Outlets In addition, our RHB Premier customer won't want to miss out on the OGAWA OmKNEE Therapy Foot Reflexology and OGAWA Mobile Seat NE Plus at RM3,198 (Normal price: RM4,198).* Sunway Pyramid Tel: +603 5612 9135 *Terms and Conditions 1. Payment must be made with RHB Premier Visa Infinite Credit or Debit Card. 2. These offers are not valid with other discounts / vouchers / promotions, add-on purchases, weekly specials, online sales, warehouse sales, staff purchases and are not exchangeable for cash. 3. Valid at selected OGAWA retail outlets in Malaysia only. Kindly refer to the OGAWA retail outlet list. 4. These offers are exclusive to RHB Premier customers and are valid until 31 December 2016. 5. Prices shown are inclusive of 6% GST. 6. Healthy World Lifestyle Sdn. Bhd. reserves the rights to change, modify or amend the Terms and Conditions herein at any time without prior notice. WILAYAH PERSEKUTUAN Mid Valley Megamall Tel: +603 2287 5398 Pavilion, KL Tel: +603 2110 0931 SELANGOR 1 Utama Shopping Centre Tel: +603 7732 3641 IOI City Mall, Putrajaya Tel: +603 8953 9916 PENANG Queensbay Mall Tel: +604 646 1680 PERAK Ipoh Parade Tel: +605 255 9303 KEDAH Aman Central Mall Tel: +604 730 2443 JOHOR AEON Tebrau City Tel: +607 354 9220 AEON Bukit Indah Tel: +607 236 7441 MELAKA AEON Bandaraya Melaka Tel: +606 286 9201 NEGERI SEMBILAN Palm Mall Tel: +606 765 6141 PAHANG East Coast Mall Tel: +609 560 9150 KELANTAN KB Mall Tel: +609 747 5158 15 EXCLUSIVE OFFERS Own complimentary premiums from The Hour Glass Venture into the fascinating world of artisanal craftsmanship through one the most established luxury watch retail groups in Asia. With over 40 boutiques in nine key cities in the Asia Pacific region, The Hour Glass is the primary port of call for enthusiasts and collectors alike. Their carefully curated pieces from the world’s finest watch brands includes Audemars Piguet, Cartier, Girard-Perregaux, Hublot, Patek Philippe, Rolex and Ulysse Nardin. Across prime retail spaces in Malaysia featuring thematic salons, The Hour Glass and their team of seasoned sales associates consistently strive to provide their customers with a differentiated buying experience. Make a statement with a timeless piece from The Hour Glass. As an RHB Premier customer, you will receive a complimentary watch pouch when you spend below RM15,000 or get a complimentary watch winder when you spend RM15,000 and above.* *Terms and Conditions 1. Payment must be made with RHB Premier Visa Infinite Credit or Debit Card. 2. These offers are not valid with other discounts / vouchers / promotions and are not exchangeable for cash. 3. These offers are exclusive to RHB Premier customers and are valid until 31 December 2016. THE HOUR GLASS BOUTIQUES Pavilion, KL Tel: +603 2148 8930 Lot 10 Shopping Centre Tel: +603 2144 1620 The Gardens, Mid Valley City Tel: +603 2287 7830 / +603 2201 7830 WATCHES OF SWITZERLAND The Gardens, Mid Valley City Tel: +603 2201 6811 HUBLOT BOUTIQUES Starhill Gallery Tel: +603 2148 0830 Suria KLCC Tel: +603 2181 7037 ULYSSE NARDIN BOUTIQUE Starhill Gallery Tel: +603 2148 0388 16 Partner Solutions Baker Tilly SME Solutions Putting you on the right track for success SME Life Cycle Corporate Accounting Start-Up Steadying the Ship › Formation of Company › Accounting services › Payroll services ›Application services (EPF, SOCSO, IRB, Business Licences) › Internal audit › Internal control review › Risk management assessment Advisory › › › › Initial Public Offering (IPO) Reporting Accountant Corporate reporting Conversion of accounts from MPERS to MFRS / IFRS › Statutory audit › Tax compliance › Corporate secretarial services Compliance Taxation Business for the Long Haul › Income Tax file registration › GST assessment and registration › Application for incentives › Tax structuring › › › › Tax Health Check GST Health Check Annual tax compliance Tax Planning › Business Restructuring and Analysis › Asset / Business sales and purchases and Joint ventures › Cross-border investments › Valuation › IPO readiness review › Tax restructuring › Transfer Pricing Review › › › Mergers and acquisitions Due diligence International business network through Baker Tilly International To learn how our professional services can help you drive your business forward, please contact us at 03-2297 1000 or visit our website at www.bakertillymh.com.my Centre. 18 Wealth Management Insights Bond Basics: Understanding how they can work for you What are Closed-ended and Open-ended bond funds? A closed-ended bond fund issues a fixed number of securities in an initial offer period, and invests the proceeds in securities such as corporate bonds and government bonds until fund maturity depending on its mandate and objectives. On the other hand, an open-ended bond fund invests in securities such as corporate bonds and government bonds with no fund maturity target depending on its mandate and objectives. Closed-ended bond funds and open-ended bond funds share the following similarities: • Professional management – Both are run by portfolio managers with the assistance of analysts. • Diversification – Both mitigate security-specific risk by holding a diversified basket of sectors. • Economies of scale – A basic premise for fund investing is that pooling money from many investors enables investment and operating costs to be lowered through economies of scale. Here are some of the fundamental differences between these two fund types: • Number of shares – A closed-ended bond fund has a fixed number of securities while an open-ended bond fund can issue any number of new securities or can redeem existing securities. • Restrictions – A closed-ended bond fund does not have to maintain cash reserves or meet redemptions and has greater leeway to invest in illiquid stocks, securities or markets. • Accessibility – A closed-ended bond fund does have a target fund maturity while an open-ended bond fund allows investors to access their investment at any time. Our closed-ended bond fund aims to achieve higher returns than FD rate by investing up to 100 percent of its NAV in a diversified portfolio of debt instruments, money market instruments and deposits. Economies in the Asia-Pacific region continue to show resilience and offer relatively attractive risk-adjusted returns compared with other regional markers, providing favourable conditions for bond issuances. Declining onshore Chinese bond yields have encouraged onshore bond investors to diversify into offshore Asian bonds in search for higher yields. Asian credit fundamentals look sound with its default rates expected to stay below most other regions this year. Based on the graph below, it shows that Asian investment grade bonds offer higher yields than their counterparts in the U.S. DISCLAIMER: This document is provided to you for information only and should not be construed as an offer or a solicitation of an offer to purchase or subscribe or sell securities. It may not be reproduced, distributed or published by any recipient for any other purpose. The information contained herein has been derived from sources believed to be reliable and is current as at the publication date. No representation or warranty is made nor is there acceptance of any responsibility or liability as to its accuracy, completeness or correctness. Expressions of opinion contained herein are those entirely of CIMB-Principal Asset Management (and its related companies) and are subject to change without notice. Persons wishing to rely upon this information should perform their own independent evaluation of risks and benefits or consult directly with the source of information or obtain professional advice. Past performance is not reflective of its future performance. Issued by CIMB-Principal Asset Management (and its related companies). 19 Wealth Management Insights Reduced risk, enhanced returns: diversifying your portfolio POLITICAL RISKS TO SPUR MORE VOLATILITIES INTO MARKET Brexit has caught everyone by surprise. Asset classes like equity and FX have witnessed wild swings during that period of time. Political risk has scaled to a new peak and there could be more volatilities after the surge in support for anti-EU protest parties. However, the supportive monetary policies from global central banks such as Quantitative Easing and negative interest rates are likely to serve as a floor towards the risk assets. We will always advocate for a diversified portfolio to weather any potential storms ahead. RHB GLOBAL MACRO OPPORTUNITIES FUND The RHB Global Macro Opportunities Fund invests principally in the USD denominated shares of JPMorgan Investment Funds – Global Macro Opportunities Fund, one of the sub-funds of the JPMorgan Investment Funds. Global macro approach • Research-oriented approach to global macro investing. • Dedicated teams of expert macro investors and strategists. Dynamic portfolio implementation • Dynamic implementation through mix of traditional and sophisticated strategies. • Multi-dimensional risk management is central to the investment process. Aims to deliver positive returns in different market environments • Potential returns with medium volatility of a mixed assets fund. • Lowly correlated to traditional markets when they look less attractive. (Source: RHB Asset Management Sdn Bhd) Important Information This document is for general information only. The information is based on certain assumptions, information and conditions available as at the date of this document and may be subject to change at any time without notice. The Information Memorandum dated 1 June 2016 and its supplementary(ies) (if any) for RHB Global Macro Opportunities Fund (“the Information Memorandum”) has been lodged with the Securities Commission Malaysia who takes no responsibility for its contents. A Product Highlights Sheet (“PHS”) highlighting the key features and risks of RHB Global Macro Opportunities Fund (“Fund”) is also available for investors. Investors are advised to obtain, read and understand the contents of the Information Memorandum and the PHS, before investing. Amongst others, investors should consider the fees and charges involved. Investors should also note that the price of units and distributions payable, if any, may go down as well as up. Any issue of units to which the Information Memorandum relates will only be made on receipt of a form of application referred to in the Information Memorandum. A copy of the PHS and the Information Memorandum can be obtained from any of our offices listed below. In the event of any dispute or ambiguity arising out of the Mandarin translation in this document, the English version shall prevail. The Manager wishes to highlight the specific risks of the Fund are management risk, liquidity risk, country risk and currency risk and the specific risks of the target fund are market risk, equity risk, debt securities risk, interest rate risk, below investment grade and unrated debt securities risk, emerging markets risk, currency hedged share class risk and derivatives risk. These risks and other general risks are elaborated in the Information Memorandum. 20 PREMIER EVENTS The new RHB Premier debuts with prestige On 22 July 2016, the RHB Banking Group unveiled the new RHB Premier with pomp and splendour at the Grand Hyatt Hotel in downtown Kuala Lumpur. More than 300 of RHB’s most affluent customers and guests attended the gala night. Themed, “A World of Privileges that Puts You First,” RHB Premier was launched by Dato’ Khairussaleh Ramli, Group Managing Director of The RHB Banking Group. “We recognise that increasingly today, convenience, personalisation and on-demand solutions are crucial considerations in catering to the needs of affluent banking customers,” Dato’ Khairussaleh said during his keynote address. “With that in mind, we have developed an affluent value proposition as one of the core components in our IGNITE 2017 transformation programme, in order to deliver superior customer experience to our affluent customers.” The night unravelled with an exquisite spread of culinary delights accompanied by a sterling performance by local diva, Datuk Sheila Majid, who belted out popular favourites. Guests were also treated to an exciting lucky draw segment featuring top-notch prizes that included products like the Macbook Pro, iPad Pro and iPad Mini. Not only was it a night of celebration, it was also an evening that brought RHB’s most distinguished guests and customers together to indulge in the splendours of luxury. 21 PREMIER EVENTS The premier lifestyle In an effort to reward existing customers for their continuous support whilst providing them with mid-year market insights, RHB hosted a talk on Premier Lifestyle and Investments. Held in collaboration with Cycle and Carriage Bintang Malaysia at Mercedes-Benz showrooms in Kuala Lumpur, Ipoh, Penang and Johor Bahru, the talk was moderated by Julian Ng, BFM host for the Morning Run Belt, Market Watch, The Breakfast Grille and Ringgit & Sense. A panel of distinguished speakers were present at the event including: • Ho Seng Yee, Chief Executive Officer, Malaysia and Regional Head of Retail Marketing, RHB Asset Management Sdn Bhd • Lim Tze Cheng, Senior Equity Portfolio Manager (Vice President), RHB Asset Management Sdn Bhd • Yap Chee Ken, Director, CIMB-Principal Asset Management • Patrick Chang, Chief Investment Officer, CIMB-Principal Asset Management • James Chin, Director, Financial Institutions Marketing, CIMB-Principal Asset Management • Vincent Lim, Managing Director, Neuberger Berman Bursa Diamond Club: Talking about investments Investments can be a tough topic to master. Helping to expand their breadth of knowledge on subject matter, RHB jointly organised a seminar with Bursa Malaysia on 16 April 2016 at the Hilton, KL Sentral. The event, which kicked off with an introduction by Ms Ong Li Lee, Director of Securities Market, Bursa Malaysia was followed by a talk on Equity Investment and Market Outlook by Shin Kao Jack, Head of RHB Retail Research. To complement the talk, our female audience also heard from UK-registered Naturopath and Nutritional Therapist, Ester Peh who spoke on Wellness. 22 PREMIER EVENTS Opening doors to global private equity investments The RHB Private Equity Opportunity Fund 1 provides investors the opportunity to participate in Global Private Equity investments, mainly focused in United States and Europe. The fund’s objective is to achieve attractive, risk adjusted returns on its capital through the investment portfolio over 7 years of charter life. The investment strategy of the fund is to invest primarily in private equity and private debt investments, including equity co-investment, private debt investment, opportunity secondaries investment and other speciality strategies. The Fund aims to achieve long term capital appreciation of 15%-20% gross Internal Rate of Return (IRR). To equip potential investors with a better understanding of the fund, RHB hosted 3 seminars in Klang Valley at the Le Meridien and the Empire Hotel in Subang from 2 to 4 August 2016. Guest speakers include Ho Seng Yee, CEO Malaysia and Regional Head of Retail Marketing, RHB Asset Management Sdn Bhd and Kent Chen, Head of Private Equity in Asia Pacific for Neuberger Berman. Neuberger Berman has over 29 years of experience in private equity management with an AUM of US$35 billion. The company has access to more than 300 Limited Partners (LPs) and over 14,000 private equity owned companies. In addition, Neuberger Berman also has over 100 dedicated investment professionals with an average 25 years of industry experience specialising in private equity. 23 PREMIER EVENTS Gentlemen’s Networking Night: A night of leisure and luxury ICON, the leading Chinese luxury lifestyle magazine, held a private event in association with Jeffery Chew, CEO of Paramount Corporation Berhad titled Gentlemen’s Networking Night. Held at Chaze at Marquee in Menara Lien Hoe, PJ’s newest modern speakeasy lounge, the event brought together KL’s ‘urban gentlemen’ to revel in a night of grandeur and luxury. The event was celebrated by RHB Premier and other partners such as MercedesBenz, Corum, Glenmorangie, Davidoff of Geneva and Chaze at Marquee. Guests got up close and personal with the latest fleet of Mercedes-Benz cars and CORUM, the Swiss watchmaker, showcased a variety of stunningly rare watches from their collection. The event was hosted by former Miss Universe Malaysia, Nadia Heng while Chief Editor of ICON Magazine, Jane Wong, delivered her welcome speech to launch the night. As a token of remembrance, Corum Malaysia’s General Manager, Chris Wan presented a specially-made Corum Admiral’s Cup Wall Clock to Jeffrey Chew. Dr. Kelly Siew serenaded the audience with her mellow and velvety voice that kept everyone entertained for hours. Guests indulged in delicious cuisine prepared by Chaze at Marquee as well as whisky provided by Glenmorangie which kept them filled with hours of conversation and camaraderie that lasted well into the night. RHB Bank Berhad (6171-M)