About the talk:

Join Nova Lui, Head of Investors Advisory at RHB Bank and discover Q4 2025’s market divergence, with North Asia leading on tech strength while China and the U.S. underperformed. We highlight fund flow shifts, winning strategies, and key 2026 themes — global diversification, Asia-Pacific opportunities, and gold positioning within a Core-Satellite portfolio.

About the speaker:

Nova Lui
Head of Investors Advisory, RHB Bank

Disclaimer:
This podcast has been prepared by RHB and is solely for your information only. It is strictly private, confidential and personal to its recipients and should not be copied, distributed or reproduced in whole or in part, nor passed to any third party, without obtaining prior permission of RHB Bank Sdn Bhd (“RHB”).

In preparing this presentation, RHB has relied upon and assumed the accuracy and completeness of all information available from public sources or which was otherwise reviewed by RHB. Accordingly, whilst we have taken all reasonable care to ensure that the information contained in this presentation is not untrue or misleading at the time of publication, we cannot guarantee its accuracy or completeness and make no representation or warranty (whether expressed or implied) and accept no responsibility or liability for its accuracy or completeness. You should not act on the information contained in this podcast without first independently verifying its contents.

Any opinion, management forecast or estimate contained in this podcast is based on information available as the date of this podcast and are subject to change without notice. It does not constitute an offer or solicitation to deal in units of any RHB fund and does not have regard to the specific investment objectives, financial situation or the particular needs of any specific person who may receive this. Investors may wish to seek advice from a financial adviser/unit trust consultant before purchasing units of any funds. In the event that the investor chooses not to seek advice from a financial adviser/unit trust consultant, he should consider whether the fund in question is suitable for him. Past performance of the fund or the manager, and any economic and market trends or forecast, are not necessarily indicative of the future or likely performance of the fund or the manager. The value of units in the fund, and the income accruing to the units, if any, from the fund, may fall as well as rise.

Product Highlights Sheets (“PHS”) highlighting the key features and risks of the RHB i-Global Dividend Fund dated 12 December 2025, RHB Dynamic Artificial Intelligence Allocator Fund dated 17 March 2025, RHB Global Shariah Equity Index Fund dated 16 February 2024, TA Total Return Income Fund dated 23 May 2025, RHB Asia Pacfic Equity Dividend Fund dated 22 January 2024, RHB Gold and General Fund dated 29 August 2025 and RHB Global Equity Premium Income Fund dated 8 January 2025 (“Fund”) are 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) (“the Information Memorandum”) before investing. The Information Memorandum has been registered with the Securities Commission Malaysia (“SC”) 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. 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. 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 solely on this update.

The Manager wishes to highlight the specific risks of the RHB i-Global Dividend Fund, which are Shariah-Compliant Equity Risk, Shariah-Compliant Equity-Related Securities Risk, Currency Risk, Country Risk, Concentration Risk, Reclassification of Shariah Status Risk, Risk of Investing in Emerging Markets, Company Specific Risk, and Distribution Out of Capital Risk. The specific risks of the RHB Dynamic Artificial Intelligence Allocator Fund are Liquidity Risk, Currency Risk, Country Risk, Interest Rate Risk, Credit and Default Risk, Financial Derivatives Risk, Equity Risk, Equity-Related Securities Risk, Collective Investment Schemes Risk, Concentration Risk, Distribution Out of Capital Risk, and Risk of Over-Reliance on the Artificial Intelligence Risk Model. The specific risks of RHB Global Shariah Equity Index Fund are Management Risk, Liquidity Risk, Currency Risk, Country Risk, Market Risk, Emerging Markets Risk, Foreign Exchange Risk, Shariah Restrictions Risk, Stock Risk, Liquidity Risk, Risks Associated with Government or Central Banks' Intervention, Prohibited Securities Risk, Taxation Risk, Risks Relating to the Index, Counterparty Risk, Index Tracking Risk, Operational Risk, Corporate Actions Risk, Custody Risk, Reliance on Third Party Data Providers, Cyber Security Risk, Pandemic Risk, Exchange Rate Risk, and Investment Leverage Risk. The specific risks of TA Total Return Income Fund are External Investment Manager’s Risk, Currency Risk, Currency risk at the hedged Class level, Currency risk at the non-hedged Class level, Liquidity Risk, Derivatives Risk, Counterparty Risk, Commodities Risk – Gold, Collective Investment Scheme Risk, Underlying fund risk, Concentration Risk, Multiple Levels of Expenses, Risks of Investing in ETFs, Temporary Suspension of the Collective Investment Schemes Risk, and Distribution Out of Capital Risk. The specific risks of RHB Asia Pacfic Equity Dividend Fund are Management Risk, Liquidity Risk, Currency Risk, Country Risk, Interest Rate Risk, Investment risk, Equity risk, Political, Economic and Social Risks, Market Risk, Dividend-paying Equity Risk, Emerging Markets Risk, Concentration Risk, Smaller Companies Risk, Currency Risk, Liquidity Risk, Risk Associated with High Volatility of the Equity Market in the Asian Region, Hedging Risk, Derivatives Risk, Leverage Risk, RMB Currency Risk, Real Estate Investment Trusts (REITs) Risk, Special Purpose Acquisition Company (SPAC) risk, Payment of Distributions Out of Capital Risk, Low Level of Monitoring Risk, Legal, Tax and Regulatory Risk, Valuation Risk, Volatility Risk, Custodial Risk, Counterparty Risk, People’s Republic of China (PRC) Tax Risk Consideration, Early Termination Risk, Technology Related Companies Risk, Cross-Class Liability Risk, China Market Risk, Risk Associated with Foreign Shareholding Restrictions on China A-Shares, Risk Associated with Short Swing Profit Rule, Risks Associated with China Connect, Risks Associated with the Investments in Stocks Listed on the Beijing Stock Exchange and/or the ChiNext Board of the SZSE and/or the Science and Technology Innovation Board (“STAR Board”) of the SSE, Risks Associated with Equity-linked Notes and Participation Notes, Risks Associated with Collateral Management and Re-investment of Cash Collateral, London Interbank Offer Rate (“LIBOR”) Discontinuance or Unavailability Risk, and Chinese Variable Interest Entity Risk. The specific risks of RHB Gold and General Fund are Market risk, Foreign exchange and currency risk, Political, regulatory and legal risk, Derivatives risk, Liquidity risk, Small and medium capitalisation companies risk, Commodities risk, Broker risk, Counterparty risk, Equity securities risk, Investment management risk, Risk of using rating agencies and other third parties, and Concentration risk. The specific risks of RHB Global Equity Premium Income Fund are Fund Management Risk, Liquidity Risk, Currency Risk, Country Risk, Interest Rate Risk, Suspension of Redemption Risk, Distribution out of Capital Risk, Availability of Investment Opportunities Risk, Balance Sheet Risk, Cash Positions and Temporary Defensive Positions Risk, Collection Account Risk, Collateral Risk, Costs of Buying or Selling Shares Risk, Counterparty Risk, Currency Risk, Cyber Security Risk, Liquidity Risk, Listing Risk, Market Risk, Political and/or Regulatory Risk, Risks in relation to Equity Securities, Particular Risks of Exchange Traded Derivative Transactions, Particular Risks of Over-the-counter Derivative Transactions, Investment in Emerging and Less Developed Markets Risk, Investment in Real Estate Investment Trusts Risk, Derivative Risks, Settlement Risk, Short Selling Risk, Warrants Risk, Dividends Risk, Fluctuation of NAV and Market Pricing Risk, Indemnification Obligations Risk, Legal Risk – Over‑the‑counter Derivatives, Reverse Repurchase Transactions, Securities Lending and Re‑used Collateral, Secondary Market Trading Risk, Securities Lending Risk, Suspension of Share Dealings Risk, Tax Risk, Underperformance Risk, Volcker Rule Risk, Sustainability Risk and other general risks are elaborated in the Information Memorandum.

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

For avoidance of doubt, RHB Islamic Bank only promotes and manages promotions in relation to RHB Islamic Bank products and its related proposition only.

RHB Bank Berhad 196501000373 (6171-M) | RHB Islamic Bank Berhad 200501003283 (680329-V)

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