RHB Retirement Series – Growth Fund

Scheme Trustee: CIMB Commerce Trustee Berhad

RHB Retirement Series – Growth Fund
Investment
Objective
The Fund seeks to provide capital growth.
Fund Category Core (Growth)
Investment
Strategy
To achieve its investment objective, the Fund will invest up to 100% of its NAV in equities listed in Malaysia and foreign markets and up to 50% of its NAV in fixed income instruments and/or liquid assets.

The Fund may invest in foreign equities listed in the Asia Pacific ex-Japan markets (including, but not limited to, Malaysia, Australia, China, Hong Kong, India, Indonesia, New Zealand, South Korea, the Philippines, Singapore, Taiwan and Thailand) including equities of Asia Pacific ex-Japan companies that are listed on or traded in non-Asia ex-Japan markets. There will be no restriction on country allocation.

The Fund may also opt to invest in the equities either directly or via collective investment schemes of RHBAM or other collective investment schemes (including real estate investment trusts and exchange traded funds).

For the fixed income portion, the Fund may invest in fixed income instruments provided that at the point of purchasing the instruments, the issuers or financial institutions carry a minimum rating of ‘A3’ as rated by any reputable Domestic Rating Agencies^^ or a minimum rating of ‘BBB-’ as rated by any reputable Global Rating Agencies^^^, without restriction on the tenure of these fixed income instruments.

^^ “Domestic Rating Agencies” refer to local credit assessment institutions that are recognised by the Securities Commission Malaysia.
^^^ “Global Rating Agencies” refer to global credit assessment institutions that are recognised in line with relevant laws.


The Fund will also invest in liquid assets including money market instruments, deposits with financial institutions and collective investment schemes investing in money market instruments and/or deposits with financial institutions.
Asset
Allocation
Equities Up to 100% of the NAV.
Fixed income instruments and/or liquid assets Up to 50% of the NAV.
Performance
Benchmark
Weighted average of FTSE Bursa Malaysia Emas Index (70%) and MSCI AC Asia Pacific ex-Japan Index (30%).
The risk profile of the Fund is not the same as the risk profile of the performance benchmark.
Member
Profile
Suitable for members with a high risk profile.

Members below 45 years will be allocated to this Fund under the default option.
Risks
Disclosure
Equity Risk, Credit risk, Interest rate risk, Specific security risk, Liquidity risk, Income Distribution Risk, Derivative Risk, Collective Investment Scheme Risk, Currency Risk, Country Risk