| Investment Objective |
The Fund seeks to provide returns through a balanced mix of income* and growth.
* Income will be automatically reinvested into the Fund.
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| Fund Category | Core (Moderate) | |
| 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 with majority of the investment will be focus on high dividend
yielding equities and up to 60% 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, 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. |
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| Asset Allocation |
Equities | Up to 100% of the NAV (with majority of the investment will be focus on high dividend yielding equities). |
| Fixed income instruments and/or liquid assets | Fixed income instruments and/or liquid assets up to 60% of the NAV. | |
| Performance Benchmark |
Weighted average of FTSE Bursa Malaysia Emas Index (30%), MSCI AC Asia Pacific ex-Japan Index
(20%) and RHB Bank Berhad’s 12 months fixed deposit rate (50%).
The risk profile of the Fund is not the same as the risk profile of the performance benchmark.
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| Member Profile |
Suitable for members with a medium risk profile.
Members aged 45 years and above but have not yet reached 55 years will be allocated to this Fund under the default option. |
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| 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 | |