RMB
Rand Merchant Bank (RMB) is a diversified financial services brand encompassing investment banking, fund management, corporate banking and advisory services. All businesses in the RMB brand stable form part of the wider FirstRand Group.

Our funds

RMB Cash Enhancer

RMB Cash Enhancer is an efficient money-market and dividend fund alternative. With a minimum investment of
R 1-million, investors are assured of:

  • Low fees and high returns - an annual effective rate of 6.35% (subject to change).
  • Quarterly liquidity -easy redemption with just one calendar month's notice.
  • Transparency - a breakdown of the ten largest credit assets available on request.
RMB Cash Enhancer is designed to outperform all money-market investments, and affords investors the opportunity of enhanced cash returns on a managed low risk investment.

With RMB Cash Enhancer, cash returns are boosted because traditional FirstRand cash deposits are combined with time-tested higher returns on corporate credit assets originated and managed by FirstRand - receive enhanced cash returns in exchange for assuming some credit risk on reputable South African corporates.

The product effectively manages risk and guarantees a diverse, high-quality portfolio. This investment will have between 25% and 40% exposure to credit assets.

Contact Emile Linde, RMB Global Markets, on +27 21 888 8311 for more information .

RMB Structured Plus

RMB Structured Plus is a multi-asset class Absolute Return fund with an explicit capital guarantee. With RMB Structured Plus, investors receive long-term real returns with explicit annual capital guarantees from FirstRand. With a minimum investment of R1-million RMB Structured Plus offers a low-risk structured fund with annual liquidity and investment into a broad range of asset classes, there are two options available to investors:

RMB Structured Plus 90

  • Assures a 90%  explicit annual capital guarantee with a return benchmark of CPI* (inflation) plus 3.5%.
  • Asset classes include equity, bonds, listed property and alternative assets.

RMB Structured Plus 100

  • Assures a 100% explicit annual capital guarantee with a return benchmark of CPI* (inflation) plus 2%  *Consumer Price Index
  • Asset classes include equity, bonds, listed property and alternative assets.

Contact Emile Linde, RMB Global Markets, on +27 21 888 8311 for more information.

RMB Protected Flexible

RMB Protected Flexible offers investors maximum equity exposure and an explicit capital guarantee.

With a minimum investment of R1 million, investors will receive maximum exposure to South African equities with two fixed-term investment options:

RMB Protected Flexible 80

RMB Protected Flexible 80 is designed to give investors maximum possible equity exposure with an 80% look-back guarantee.  While protected, investors have the flexibility of monthly liquidity:

  • Guaranteed 80% of the highest month-end value ever achieved (since inception).
  • Dynamically managed asset allocation.
  • Monthly liquidity.

RMB Protected Flexible 100

RMB Protected Flexible 100 is designed to give investors maximum possible equity exposure with an explicit 100% capital guarantee—maximum security with the option to participate in market rallies.

  • After five years, guaranteed 100% of the initial capital invested (guarantee only applies if held to maturity).
  • Dynamically managed asset allocation.

Dynamically managed asset allocation provides best possible market exposure as the investment is strategically spread across varied asset classes, based on market conditions.

Each fund has mandated asset classes with strategic allocation at inception:

60%        RMB ALS140 Tracker
40%        Alternative assets
0%          Cash

Contact Emile Linde, RMB Global Markets, on +27 21 888 8311 for more information.