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)