RHB Premier | Christmas in a Winter Wonderland

If you are unable to view this email, please Click here

This Christmas, escape the rain…to an exotic Winter Wonderland!

Picture this: a winter wonderland adorned with enchanting traditions, unique gifts, and the warmth of cherished memories. This Christmas, why not trade your familiar celebration for a European adventure?

In this article, we share unique Christmas traditions and gift ideas – plus a tip on how you can save on exchange rates, wherever you are. That means less worry and more money to fully embrace the experience!

Merry Christmas and a Happy New Year from all of us at RHB.

Global Insights

Video podcasts to help you make informed investment decisions

We join Nova Lui, Head of Investors Advisory at RHB Bank, on the December Market Insights. We discuss the signs for potential rate cuts next year, China's strategy, and the concern about the rising number of COVID-19 cases in Malaysia. Watch our podcast on our Merge website now to gain insights into the market movements, guiding you to make informed decisions.

Nova Lui

Join us today for our discussion with our special guests, Stephen Jue (Voya Investment Management), Raymond Jing (China AMC) and Choo Swee Kee (TA Investment Management) on the fluctuations in the global equity market in Year 2023. We hope to share with you the insights behind the major events from their analysis to guide you in making informed investment decisions.

Nova Lui, Stephen Jue, Raymond Jing & Choo Swee Kee

We are pleased to introduce

TA Total Return Income Fund

TA Total Return Income Fund is a mixed asset fund which seeks to generate regular income and potential long-term capital growth by investing in a portfolio of global equities, global bonds, cash and other permissible instruments.

	Delivering regular dividend payouts The fund seeks to achieve a stable monthly payout¹ from both underlying income and capital gains, including a payout option fixed at 5% per annum.

	High conviction stocks with strong growth potential The fund seeks to invest in businesses globally that benefit from structural changes, or with business models that potentially provide sustained earnings growth.

	Flexible global allocation The fund is flexibly positioned to capture quality opportunities in stocks and bonds across geographies and sectors with the aim to respond to uncertainties and achieve potentially higher growth.

Embark on your wealth creation journey virtually with RHB.

Enjoy a seamless investing experience, anytime, anywhere, with Adobe Sign. All it takes is two simple steps.

		Reach out to your Relationship Manager to review your portfolio.

		Perform investment transactions via Adobe Sign. Complete the transaction with e-Fill and e-Sign.

		Fast and Seamless Virtual Experience

		Secure Electronic Platform

		Invest Anytime, Anywhere

Contact your dedicated Relationship Manager today to find out more

Shark Fin Structured Investment

Shark Fin is a principal-protected structured product where performance is linked to an underlying asset. Through a Shark Fin structured product, investors can capture the potential upside within a specified range (KO barrier). In the event that the asset’s price moves above a specified range, the product will still payout a pre-determined coupon (fixed rebate amount). In the worst case scenario, if the asset’s price moves down, the investor’s investment principal is protected without return.

Twin Win Structured Investment

Twin Win is a variation of the Shark Fin Structured Investment that also considers the opposite performance of the underlying asset performance, allowing investors to get a return should the asset remain within the upper and lower KO barriers.

Hurry! Explore the opportunities to diversify your portfolio with the underlying companies below.*

Shark Fin Structured Investment

Auto-callable Equity-linked Investment

Watch a video on Auto-callable Equity-linked Investments here.

Contact your dedicated Relationship Manager today to find out more

*The launches of structured products may vary depending on the outcome of one or more market factors.

¹ Payout is subjected to the Fund’s NAV fluctuation. Please refer to the Prospectus for important information about the Fund’s distribution policies.

A Product Highlights Sheet (PHS) highlighting the key features and risks of the TA Total Return Income Fund dated 11 January 2023 is available and investors have the right to request for a PHS Investors are advised to obtain, read and understand the PHS and the contents of the Information Memorandum and its supplementary(ies) (if any) (“the Information Memorandum”) before investing. The Information Memorandum has been registered with the Securities Commission Malaysia who takes no responsibility for its contents The SC’s approval and authorization of the registration of the Information Memorandum should not be taken to indicate that the SC has recommended or endorsed the Fund.

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. Where a distribution is declared, investors are advised that following the issue of additional units/distribution, the NAV per unit will be reduced from cum distribution NAV to ex distribution NAV. 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. For more details, please call 1 800 88 3175 for a copy of the PHS and the Information Memorandum or collect one from any of our branches or authorised distributors. Investors are advised that investments are subject to investment risk and that there can be no guarantee that any investment objectives will be achieved. Investors should conduct their own assessment before investing and seek professional advice, where necessary and should not make an investment decision based on this presentation slides solely. Subscription of units of the Fund is only open to sophisticated investors.

The manager wishes to highlight the specific risks of the TA Total Return Income Fund are External Investment Manager’s Risk, Currency Risk, Liquidity Risk, Derivatives Risk, Counterparty Risk, Commodities Risk – Gold, Collective Investment Scheme Risk, Temporary Suspension of the Collective Investment Schemes Risk, Distribution Out of Capital Risk.

Investors are advised to read and understand content of the relevant documents including but not limited to prospectus or information memorandum that has been registered with Securities Commission and Product Highlight Sheet before investing. Investors should also consider all fees and charges involved before investing. Prices of units and income distribution, if any, may go down as well as up; where past performance is no guarantee of future performance. Units will be issued upon receipt of the registration form referred to and accompanying the Prospectus. The printed copy of prospectus and Product Highlight Sheet is available at RHB branches/Premier Centre and investors have the right to request for a Product Highlight Sheet.

Structured Investment Disclaimer:
This document is for promotional purposes and is directed only at persons specified in in Schedules 6 and 7 of the Capital Markets and Services Act 2007 (“relevant persons in Malaysia”) and shall not be made available to persons which are not relevant persons in Malaysia. Investors should obtain, read and understand the offering documentation such as the General Terms and Conditions, the Product Highlights Sheet, the Term Sheet and the Risk Disclosure Statement before deciding to make an investment. The printed copies of the Term Sheet and the Product Highlights Sheet are available at RHB branches/Premier Centre. All information provided in this document is general and does not take into account of your individual objectives, financial situation or specific needs. You should seek advice from an independent expert such as a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before deciding to make an investment. Should you suffer any monetary loss as a result of defalcation, fraudulent misuse of moneys or other property, by a director, officer, employee or representative of RHB Bank, you will not covered by the compensation fund under section 152 of the Capital Markets and Services Act 2007.

WARNING: THE RETURNS ON YOUR STRUCTURED PRODUCT INVESTMENT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSET/REFERENCE, AND THE RECOVERY OF YOUR PRINCIPAL INVESTMENT MAY BE JEOPARDISED IF YOU MAKE AN EARLY REDEMPTION. THIS STRUCTURED INVESTMENT IS NOT PROTECTED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

This material has not been reviewed by the Securities Commission Malaysia (SC).

RHB Bank Berhad 196501000373 (6171-M)