2025 Principal Unit Trust Raya Stylo Campaign (“Campaign”)
Frequently Asked Questions
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Q1 What does this Campaign offer?
The Campaign offers:
(a) up to an additional 8% per annum (p.a.) additional bonus rate (“Raya Bonus Rate”) on the Net Cash Flow (“NCF”) amount maintained for a period of thirty (30) days, whereby NCF shall mean the amount calculated by subtracting the total cash-out amounts from the total cash-in amounts for each Eligible Account throughout the Campaign Period; and/or
(b) additional 1% per annum (p.a.) additional bonus rate (“Raya Extra Bonus Rate”), on top of Raya Bonus Rate, on the Net Cash Flow (“NCF”) amount maintained for a period of thirty (30) days.
(“Campaign Rewards”).
Q2 What is the duration of this campaign?
The Campaign begins on 24 March 2025 and ends on 30 April 2025, 11:59PM, both dates inclusive (“Campaign Period”).
Q3 Who is eligible for this promotion?
The Campaign is open to all users who perform a Cash In in to their Principal (i) Invest or (ii) Retire feature account during the Campaign Period (“Eligible Participant”).
Q4 How to be eligible for the Raya Bonus Rate?
To be eligible for the Raya Bonus Rate, Eligible Participants must fulfil all of the following criteria:
a. The Eligible Participant must key in “RAYASTYLO” in the promo code field of Principal Invest feature account whenever a cash in is performed within the Campaign Period. The promo code is not required for cash in performed into the Principal Retire feature account.
b. The Eligible Participant must perform a minimum cash in of RM200 in a single transaction into their Principal Invest or Retire feature account. The Cash In and Investment Subscription must be successfully completed within the Campaign Period.
c. The Eligible Participant must maintain the subscription in their Principal Invest or Retire feature account for a holding period of thirty (30) days from the last day of the Campaign Period, i.e. from 1st May 2025, 12:00 AM to 30th May 2025, 11.59pm (“Post Campaign Period”). The Eligible Participant shall not be entitled to the Campaign Rewards if any redemption is performed during the Post Campaign Period.
d. The Raya Bonus Rate entitled shall be as follows:
Fund Type | Eligible Product(s) | Raya Bonus Rate Entitled |
Retire | i. Principal RetireEasy ii. Principal Islamic RetireEasy | 8%p.a. |
Equity | i. Principal Islamic Global Selection Moderate Conservative Fund ii. Principal Islamic Global Selection Moderate Fund iii. Principal Global Titans Fund iv. Principal DALI Global Equity Fund v. Principal Asia Pacific Dynamic Income Fund vi. Principal Asia Pacific Dynamic Mixed Asset Fund vii. Principal Islamic Global Selection Aggressive Fund viii. Principal Islamic Lifetime Balanced Fund ix. Principal Islamic Enhanced Opportunities Fund x. Principal Lifetime Balanced Income Fund xi. Principal Asia Titans Fund xii. Principal Malaysia Titans Fund xiii. Principal Titans Income Plus Fund xiv. Principal Vietnam Equity Fund xv. Principal China New Energy Innovation Fund xvi. Principal Islamic Global Multi-Asset Fund xvii. Principal Islamic Global Responsible Equity Fund xviii. Principal Islamic Lifetime Enhanced Sukuk Fund xix. Principal Lifetime Bond Fund | 8%p.a. |
e. The additional Raya Bonus Rate will be calculated based on the NCF amount in the Eligible Participant’s Principal Invest or Retire account last recorded as at the last day of the Campaign Period, i.e. 30th April 2025 11.59 PM.
Q5 How to be eligible for the Raya Extra Bonus Rate?
To be eligible for the Raya RSP Bonus Rate, Eligible Participants must fulfil all of the following criteria:
a. The Eligible Participant must also:
a. Activate the Auto Cash In (“RSP”) feature of the Eligible Account(s). The Eligible Participant must perform a minimum Auto Cash In of RM200 into their Principal Invest feature account. The Cash In and Investment Subscription must be successfully completed within the Campaign Period and/or Post Campaign Period. The Eligible Participant must not disable the Auto Cash In feature throughout the Campaign Period and/or Post Campaign Period; and/or
b. Cumulatively invest RM10,000 and above within the Campaign Period.
b. The Eligible Participant must not perform any redemption throughout the Post Campaign Period. The Eligible Participant shall not be entitled to the Campaign Rewards if any redemption is performed during the Post Campaign Period.
c. The additional Raya Extra Bonus Rate will be calculated based on the NCF amount in the Eligible Participant’s Principal Invest or Retire account last recorded as at the last day of the Campaign Period, i.e. 30th April 2025 11.59 PM.
Q6 Is there any limit on the Cash In transaction and amount that can be performed during the Campaign Period?
No. There is no maximum limit on the number and amount of cash in transactions that you can perform during the campaign period.
Q7 Are there any capping/limitations to this promotion?
The maximum Campaign Reward amount per customer is capped at RM250. The total cap on Campaign Reward allocation is RM200,000. The Campaign will cease once the Campaign Reward has reached the maximum allocation limit or when the Campaign Period ends, whichever is earlier.
Q8 What is Net Cash Flow (“NCF”)?
NCF = Total Cash In Amount into Principal Invest or Retire account – Total Cash Out Amount from Principal Invest or Retire account
Throughout the Campaign Period.
Q9 How is the Campaign Reward calculated?
The Campaign Reward will be calculated based on the NCF amount in the Eligible Participant’s Principal Invest or Retire account last recorded as at the last day of the Campaign Period, i.e. 30th Apr 2025 11.59 PM.
Example:
Participant | Transaction(s) | Campaign Reward Entitled | ||||||||||||||||||||||||
A |
| Entitled for Raya Bonus Rate of 8%p.a. on RM3,000 NCF – RM19.70 Cash Back into TNG e-Wallet
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B |
| Not entitled for Raya Bonus Rate as Participant B performed cash out/ redemption during Post-Campaign Period
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C |
| Entitled for Raya Bonus Rate + Raya Extra Bonus Rate (8%p.a. + 1%p.a.) on RM1,500 – RM11.09 Cash Back into TNG e-Wallet
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D |
| Entitled for Raya Bonus Rate + Raya Extra Bonus Rate (8%p.a. + 1%p.a.) on RM5,000 – RM37 Cash Back into TNG e-Wallet.
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E |
| Not entitled for Raya Extra Bonus Rate as Participant E performed cash out/ redemption during Post-Campaign Period
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F |
| Entitled for Raya Bonus Rate + Raya Extra Bonus Rate (8%p.a. +1%p.a.) on RM12,000 NCF – RM88.76 Cash Back into TNG e-Wallet
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G |
| Entitled for Raya Bonus Rate + Raya Extra Bonus Rate (8%p.a. +1%p.a.) on RM9,000 NCF – RM66.57 Cash Back into TNG e-Wallet).
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Q10 How will the bonus rate be distributed?
The Campaign Reward will be given in the form of cash back into the Eligible Participant’s TNG e-wallet account, which will be credited into the Eligible Participant’s TNG e-wallet account within 45 days after Post Campaign Period (“Reward Distribution Date”).
Q11 During the campaign period, will I still receive any monthly income distribution from the relevant fund?
Yes. You will still be entitled to monthly income distribution from the fund on your Principal investments on top of the Campaign Reward.
Q12 Who should I contact for questions pertaining to my Reward?
You may chat with Principal Malaysia’s Customer Care Centre via WhatsApp at +60 16-299 9792, call +603 7723 7260 or email your enquiries to goinvest@principal.com.my. Please take note that the operating hours are Monday to Friday, 8.45am – 5.45pm (except on Kuala Lumpur and national public holidays).
If there are any enquiries related to your eWallet account, you may submit your queries to https://tngd.my/careline-webform or you may also call the Touch ‘n Go eWallet careline at +(603) 5022 3888 for further assistance. Kindly provide your details and proof supporting your claim. The operating hours are Monday to Sunday, 7.00am to 10.00pm (including public holidays).
Kempen Raya Stylo Amanah Unit Utama Principal 2024 (“Kempen”)
Soalan Lazim
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Q1 Apa yang ditawarkan oleh kempen ini??
Kempen ini menawarkan:
(a) tambahan sehingga 8% setahun (p.a.) kadar bonus tambahan ("Kadar Bonus Raya") pada jumlah Aliran Tunai Bersih ("NCF") yang dikekalkan untuk tempoh tiga puluh (30) hari, di mana NCF bermaksud jumlah yang dikira dengan menolak jumlah wang tunai daripada jumlah wang masuk bagi setiap Akaun yang Layak sepanjang Tempoh Kempen; dan/atau
(b) kadar bonus tambahan 1% setahun (p.a.) ("Kadar Bonus Ekstra"), di samping Kadar Bonus Raya, pada jumlah Aliran Tunai Bersih ("NCF") yang dikekalkan untuk tempoh tiga puluh (30) hari.
(“Ganjaran Kempen”).
Q2 Berapakah lama Tempoh Kempen ini?
Kempen ini bermula pada 24 Mac 2025 dan berakhir pada 30 April 2025, kedua-dua tarikh termasuk (“Tempoh Kempen”).
Q3 Siapa yang layak untuk Kempen ini?
Kempen ini terbuka kepada semua pengguna yang melakukan Tunai Masuk ke akaun Principal (i) Invest atau (ii) Retire mereka semasa Tempoh Kempen ("Peserta Layak”).
Q4 Bagaimana untuk memenuhi syarat untuk Kadar Bonus Raya?
Peserta Layak dikehendaki memenuhi semua syarat berikut untuk layak mendapat Ganjaran Kadar Bonus Raya:
a. Peserta Layak mesti memasukkan "RAYASTYLO" dalam medan kod promosi akaun ciri Principal Invest apabila wang tunai dilakukan dalam Tempoh Kempen. Kod promosi tidak diperlukan untuk wang tunai yang dilakukan ke dalam akaun ciri Principal Retire.
b. Peserta Layak mesti melakukan wang tunai minimum sebanyak RM200 dalam satu transaksi ke dalam akaun ciri Principal Invest atau Retire mereka. Langganan Tunai Masuk dan Pelaburan mesti berjaya diselesaikan dalam Tempoh Kempen.
c. Peserta Layak mesti mengekalkan langganan dalam akaun ciri Principal Invest atau Retire mereka untuk tempoh pegangan selama tiga puluh (30) hari dari hari terakhir Tempoh Kempen, iaitu dari 1 Mei 2025, 12:00 AM hingga 30 Mei 2025, 11.59 malam ("Tempoh Pasca Kempen"). Peserta Layak tidak layak mendapat Ganjaran Kempen jika sebarang penebusan dilakukan semasa Tempoh Pasca Kempen.
d. Kadar Bonus Raya yang layak adalah seperti berikut:
Jenis Dana | Produk Layak | Kadar Bonus Raya |
Retire | i. Principal RetireEasy ii. Principal Islamic RetireEasy | 8%p.a. |
Equity | i. Principal Islamic Global Selection Moderate Conservative Fund ii. Principal Islamic Global Selection Moderate Fund iii. Principal Global Titans Fund iv. Principal DALI Global Equity Fund v. Principal Asia Pacific Dynamic Income Fund vi. Principal Asia Pacific Dynamic Mixed Asset Fund vii. Principal Islamic Global Selection Aggressive Fund viii. Principal Islamic Lifetime Balanced Fund ix. Principal Islamic Enhanced Opportunities Fund x. Principal Lifetime Balanced Income Fund xi. Principal Asia Titans Fund xii. Principal Malaysia Titans Fund xiii. Principal Titans Income Plus Fund xiv. Principal Vietnam Equity Fund xv. Principal China New Energy Innovation Fund xvi. Principal Islamic Global Multi-Asset Fund xvii. Principal Islamic Global Responsible Equity Fund xviii. Principal Islamic Lifetime Enhanced Sukuk Fund xix. Principal Lifetime Bond Fund | 8%p.a. |
e. Kadar Bonus Raya tambahan akan dikira berdasarkan amaun NCF dalam akaun Principal Invest atau Retire Peserta Layak yang terakhir direkodkan pada hari terakhir Tempoh Kempen, iaitu 30 April 2025 11.59 PM.
Q5 Bagaimana untuk memenuhi syarat untuk Kadar Bonus Ekstra?
Peserta Layak dikehendaki memenuhi semua syarat berikut untuk layak mendapat Ganjaran Kadar Bonus Ekstra:
a. Peserta Layak juga mesti:
a. Mengaktifkan ciri Auto Cash In ("RSP") Akaun Layak dalam Tempoh Kempen. Peserta Layak mesti melakukan Auto Cash In minimum sebanyak RM200 ke dalam akaun ciri Principal Invest mereka. Pelaburan mesti berjaya diselesaikan dalam Tempoh Kempen. Peserta Layak tidak boleh melumpuhkan ciri Auto Cash In sepanjang Tempoh Kempen dan/atau Tempoh Pasca Kempen; dan/atau
b. Melabur secara kumulatif sebanyak RM10,000 dan ke atas dalam Tempoh Kempen.
b. Peserta Layak tidak boleh melakukan sebarang penebusan sepanjang Tempoh Pasca Kempen. Peserta Layak tidak layak mendapat Ganjaran Kempen jika sebarang penebusan dilakukan semasa Tempoh Pasca Kempen.
c. Kadar Bonus Ekstra Raya tambahan akan dikira berdasarkan amaun NCF yang terakhir direkodkan pada hari terakhir Tempoh Kempen, iaitu 30 April 2025 11.59 malam.
Q6 Adakah terdapat transaksi dan/atau jumlah pelaburan maksima yang boleh dilakukan semasa Tempoh Kempen?
Tiada had maksimum transaksi dan/atau jumlah pelaburan yang boleh dilakukan semasa Tempoh Kempen.
Q7 Adakah terdapat sebarang batasan atas Ganjaran Kempen untuk Kempen ini?
Setiap Peserta Layak berhak yang memenuhi semua kriteria yang dinyatakan dalam terma dan syarat ini berhak untuk mendapatkan Ganjaran Kempen, terhad kepada RM250 bagi setiap Peserta Berhak.
Kempen ini akan berakhir sebaik sahaja peruntukan maksimum RM200,000 daripada jumlah Ganjaran Kempen (“Ganjaran Kempen Maksimum”) dicapai atau apabila Tempoh Kempen berakhir, yang mana lebih awal.
Q8 Apakah yang dimaksudkan oleh amaun Aliran Tunai Bersih (“NCF”)?
NCF ditakrifkan sebagai jumlah penebusan yang dilakukan semasa Tempoh Kempen, dikurangkan daripada jumlah pelaburan yang dilakukan selama Tempoh Kempen.
Q9 Bagaimana Ganjaran Kempen dikira?
Ganjaran Kempen akan dikira berdasarkan jumlah NCF dalam akaun Principal Invest dan/atau Retire Peserta Layak yang kali terakhir direkodkan pada hari terakhir Tempoh Kempen, iaitu. 30 Apr 2025 11.59 PM.
Ilustrasi:
Peserta | Transaksi | Ganjaran Kempen Layak | ||||||||||||||||||||||||
A |
| Layak mendapat Kadar Bonus Raya sebanyak 8%p.a. pada RM3,000 NCF – Pulangan Tunai RM19.70 ke dalam e-Wallet TNG
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B |
| Tidak layak untuk Kadar Bonus Raya kerana Peserta B melakukan pengeluaran tunai/penebusan semasa Tempoh Pasca Kempen
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C |
| Layak mendapat Kadar Bonus Raya + Kadar Bonus Ekstra Raya (8%p.a. + 1%p.a.) pada NCF RM1,500 – Pulangan Tunai RM11.09 ke dalam e-Wallet TNG
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D |
| Layak mendapat Kadar Bonus Raya + Kadar Bonus Ekstra Raya (8%p.a. + 1%p.a.) pada NCF RM5,000 – RM37 ke dalam e-Wallet TNG.
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E |
| Tidak layak untuk Kadar Bonus Ekstra Raya kerana Peserta E melakukan pengeluaran tunai/penebusan semasa Tempoh Pasca Kempen
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F |
| Layak mendapat Kadar Bonus Raya + Kadar Bonus Ekstra Raya sebanyak 8%p.a. + 1%p.a. pada RM12,000 NCF – Pulangan Tunai RM88.76 ke dalam e-Wallet TNG).
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G |
| Layak mendapat Kadar Bonus Raya + Kadar Bonus Ekstra Raya sebanyak 8%p.a. + 1%p.a. pada RM9,000 NCF – Pulangan Tunai RM66.57 ke dalam e-Dompet TNG).
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Q10 Bagaimana kadar bonus akan dibahagikan?
Ganjaran Kempen akan diberikan dalam pulangan wang tunai kembali ke akaun TNG e-Wallet Peserta Berhak. Ganjaran Kempen akan dikreditkan ke dalam akaun TNG e-Wallet Peserta Berhak dalam tempoh 45 hari selepas Tempoh Kempen Pasca (“Tarikh Pengagihan Ganjaran”).
Q11 Akankah saya masih menerima apa-apa pembahagian pendapatan bulanan selama Tempoh Kempen?
Ya. Anda masih akan berhak untuk mendapatkan pembahagian pendapatan bulanan daripada dana pelaburan Principal anda di atas Ganjaran Kempen ini.
Q12 Siapa yang boleh saya hubungi untuk soalan yang berkaitan dengan Ganjaran Kempen saya?
Anda boleh berbual dengan Pusat Perkhidmatan Pelanggan Principal Malaysia melalui WhatsApp di +60 16-299 9792, hubungi +603 7723 7260 atau e-mel pertanyaan anda ke goinvest@principal.com.my. Sila ambil perhatian bahawa jam kerja adalah Isnin hingga Jumaat, 8.45am – 5.45pm (kecuali cuti awam Kuala Lumpur dan Malaysia).
Jika terdapat sebarang pertanyaan berkaitan dengan akaun eWallet anda, anda boleh menghantar pertanyaan anda ke https://tngd.my/careline-webform atau anda juga boleh menghubungi talian khidmat pelanggan Touch ‘n Go eWallet di +(603) 5022 3888 untuk bantuan lanjut. Sila berikan butiran anda dan bukti yang menyokong tuntutan anda. Waktu operasi adalah dari Isnin hingga Ahad, 7.00 pagi hingga 10.00 malam (termasuk cuti umum).