Principal Unit Trust Raya Stylo Campaign (“Campaign”) Terms & Conditions
1. The Campaign is organised by TNG Digital Sdn Bhd (201701042478) (“TNG Digital”) and and Principal Asset Management Berhad (199401018399 (304078-K) (“Principal”).
2. The Campaign begins on 24 March 2025 and ends on 30 April 2025, both dates inclusive (“Campaign Period”).
Eligibility
3. 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”).
4. Eligible Participants can Cash In into any one (1) of the following products:
a) Principal Islamic Global Selection Moderate Conservative Fund
b) Principal Islamic Global Selection Moderate Fund
c) Principal Islamic Lifetime Enhanced Sukuk Fund
d) Principal Global Titans Fund
e) Principal DALI Global Equity Fund
f) Principal Asia Pacific Dynamic Income Fund
g) Principal Asia Pacific Dynamic Mixed Asset Fund
h) Principal Islamic Global Selection Aggressive Fund
i) Principal Islamic Lifetime Balanced Fund
j) Principal Islamic Enhanced Opportunities Fund
k) Principal Lifetime Bond Fund
l) Principal Lifetime Balanced Income Fund
m) Principal Asia Titans Fund
n) Principal Malaysia Titans Fund
o) Principal Titans Income Plus Fund
p) Principal Vietnam Equity Fund
q) Principal China New Energy Innovation Fund
r) Principal Islamic Global Multi-Asset Fund
s) Principal Islamic Global Responsible Equity Fund
t) Principal RetireEasy
u) Principal Islamic RetireEasy
(“Eligible Product”).
5. Eligible Participants will be entitled to the additional Raya Bonus Rate Reward and/or the Raya Extra Bonus Rate Reward as set out in Part I and Part II of the Campaign Rewards and Mechanics below (“Campaign Rewards”).
Campaign Rewards and Mechanics
I. Raya Bonus Rate Reward
6. Subject to the terms and conditions stated herein, the Eligible Participants who satisfy the conditions stated in Clause 3, 4 and 7 will be entitled to 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.
7. To be eligible for the Raya Bonus Rate, the Eligible Participants are required to fulfil all of the following requirements:
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.
II. Raya Extra Bonus Rate Reward
8. Subject to the terms and conditions stated herein, the Eligible Participants who satisfy the conditions stated in Clause 3, 4 and 9 will be entitled to an additional 1% per annum (p.a.) additional bonus rate (“Raya Extra Bonus Rate”), on the NCF amount maintained for a period of thirty (30) days.
9. To be eligible for the Raya Extra Bonus Rate, the Eligible Participants are required to fulfil all of the following requirements:
a. The Eligible Participant must also:
i. 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
ii. 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.
Other Campaign Terms and Conditions
10. Each Eligible Participant who fulfils all the criteria stated in this terms & conditions herein is entitled to earn the Campaign Rewards, capped at RM250 per Eligible Participant.
11. Campaign Reward will be 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”), i.e. by 15th July 2025.
12. If the Eligible Participant closes their TNG eWallet account or Principal account or exercises their right to cooling off prior to the Reward Distribution Date, the Eligible Participant shall be automatically disqualified from this Campaign and shall not be entitled to the Campaign Reward.
13. Illustration:
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
| ||||||||||||||||||||||||
B |
| Not entitled for Raya Bonus Rate as Participant B performed cash out/ redemption during Post-Campaign Period
| ||||||||||||||||||||||||
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
| ||||||||||||||||||||||||
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.
| ||||||||||||||||||||||||
E |
| Not entitled for Raya Extra Bonus Rate as Participant E performed cash out/ redemption during Post-Campaign Period
| ||||||||||||||||||||||||
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
| ||||||||||||||||||||||||
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).
| ||||||||||||||||||||||||
14. For the avoidance of any doubt, Eligible Participant will not be entitled to the Campaign Reward, if the Amount Capped as defined below” is fully allocated or utilized.
15. This Campaign will end once the maximum allocation of RM200,000 of the Campaign Reward amount (“Amount Capped”) is reached or when the Campaign Period ends, whichever is earlier.
16. Eligible Participants are entitled to participate concurrently in other promotions or campaigns organised by Principal or TNGD during the Campaign Period.
17. By participating in this Campaign, Users agree to allow TNGD and Principal the right to use names, private details and photographs of the Users and/or Winners, for marketing, advertising and publicity purposes, in accordance with applicable laws without any cost or compensation.
18. All Winners shall be personally liable for all taxes, rates, government fees or any other charges that may be levied against them under the applicable laws in relation to the prizes and this Campaign.
19. TNGD shall be entitled to withhold any benefits pursuant to this Campaign, with prior notice to the Users if the Users are found to have been in breach of any TNGD’s Users Terms and Conditions which can be found at https://www.touchngo.com.my/assets/pdf/user-tnc.pdf
20. TNGD and Principal reserve the right, at any time, to alter, shorten, cancel, suspend or terminate this Campaign earlier in whole or in part, or to vary, delete, or add any Terms and Conditions herein anytime by giving written notice through the TNGD and Principal websites or social media platforms owned by TNGD and Principal, respectively.
21. TNGD and Principal reserve the right to disqualify/reject any Users who do not comply with these terms and conditions stated herein and/or are found or suspected to be tampering with this Campaign and/or its process or the operations of this Campaign. Tampering shall include fraudulent activities involving any act of deceit and/or deception and/or cheating with regards to this Campaign.
22. TNGD and Principal shall not be responsible or liable for any losses howsoever arising or suffered by the Users whether arising directly or indirectly from the Users’ participation in this Campaign or otherwise.
23. These Terms and Conditions shall be further subject to the TNGD’s General Terms and Conditions which can be found at https://www.touchngo.com.my/terms-conditions/general-campaign-terms-and-conditions/.
24. These Terms and Conditions shall be governed by the laws of Malaysia.
25. In the event of any inconsistencies, discrepancies or conflicts between the English version and the Bahasa Malaysia version of these Terms and Conditions, the English version of these Terms and Conditions shall prevail.
26. Please visit https://www.touchngo.com.my for more information or inquiries relating to this Campaign.
Terma & Syarat Kempen Raya Stylo Amanah Unit Utama Principal (“Kempen”)
1. Kempen ini dianjurkan oleh TNG Digital Sdn Bhd (201701042478) ("TNG Digital") dan Principal Asset Management Berhad (199401018399 (304078-K) ("Principal").
2. Kempen bermula pada 24 Mac 2025 dan berakhir pada 30 April 2025, termasuk kedua-dua tarikh ("Tempoh Kempen").
Kelayakan
3. Kempen ini terbuka kepada semua pengguna yang melakukan Tunai Masuk ke akaun Principal (i) Invest atau (ii) Retire mereka semasa Tempoh Kempen ("Peserta Layak").
4. Peserta Layak boleh Tunai Masuk ke dalam mana-mana satu (1) produk berikut:
a) Principal Islamic Global Selection Moderate Conservative Fund
b) Principal Islamic Global Selection Moderate Fund
c) Principal Islamic Lifetime Enhanced Sukuk Fund
d) Principal Global Titans Fund
e) Principal DALI Global Equity Fund
f) Principal Asia Pacific Dynamic Income Fund
g) Principal Asia Pacific Dynamic Mixed Asset Fund
h) Principal Islamic Global Selection Aggressive Fund
i) Principal Islamic Lifetime Balanced Fund
j) Principal Islamic Enhanced Opportunities Fund
k) Principal Lifetime Bond Fund
l) Principal Lifetime Balanced Income Fund
m) Principal Asia Titans Fund
n) Principal Malaysia Titans Fund
o) Principal Titans Income Plus Fund
p) Principal Vietnam Equity Fund
q) Principal China New Energy Innovation Fund
r) Principal Islamic Global Multi-Asset Fund
s) Principal Islamic Global Responsible Equity Fund
t) Principal RetireEasy
u) Principal Islamic RetireEasy
("Produk Layak").
5. Peserta Layak akan layak mendapat Kadar Bonus Raya tambahan dan/atau Kadar Bonus Ekstra Raya seperti yang dinyatakan dalam Bahagian I dan Bahagian II Ganjaran dan Mekanik Kempen di bawah ("Ganjaran Kempen").
Ganjaran dan Mekanik Kempen
I. Ganjaran Kadar Bonus Raya
6. Tertakluk kepada terma dan syarat yang dinyatakan di sini, Peserta Layak yang memenuhi syarat-syarat yang dinyatakan dalam Fasal 3, 4 dan 7 akan berhak mendapat 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.
7. Untuk layak mendapat Kadar Bonus Raya, Peserta Layak dikehendaki memenuhi semua syarat berikut:
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.
II. Ganjaran Kadar Bonus Ekstra Raya
8. Tertakluk kepada terma dan syarat yang dinyatakan di sini, Peserta Layak yang memenuhi syarat-syarat yang dinyatakan dalam Fasal 3, 4 dan 9 akan layak mendapat 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.
9. Untuk layak mendapat Kadar Bonus Ekstra Raya, Peserta Layak dikehendaki memenuhi semua syarat berikut:
a. Peserta Layak juga mesti:
i. 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
ii. 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.
Terma dan Syarat Kempen Lain
10. Setiap Peserta Layak yang memenuhi semua kriteria yang dinyatakan dalam terma & syarat ini di sini layak untuk memperoleh Ganjaran Kempen, yang dihadkan pada RM250 bagi setiap Peserta Layak.
11. Ganjaran Kempen akan dalam bentuk pulangan tunai ke dalam akaun e-dompet TNG Peserta Layak, yang akan dikreditkan ke dalam akaun e-dompet TNG Peserta Layak dalam tempoh 45 hari selepas Tempoh Pasca Kempen ("Tarikh Pengagihan Ganjaran"), iaitu selewat-lewatnya pada 15 Julai 2025.
12. Jika Peserta Layak menutup akaun eWallet TNG atau akaun Principal mereka atau menggunakan hak mereka untuk bertenang sebelum Tarikh Pengagihan Ganjaran, Peserta Layak akan dibatalkan secara automatik daripada Kempen ini dan tidak berhak mendapat Ganjaran Kempen.
13. 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
| ||||||||||||||||||||||||
B |
| Tidak layak untuk Kadar Bonus Raya kerana Peserta B melakukan pengeluaran tunai/penebusan semasa Tempoh Pasca Kempen
| ||||||||||||||||||||||||
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
| ||||||||||||||||||||||||
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.
| ||||||||||||||||||||||||
E |
| Tidak layak untuk Kadar Bonus Ekstra Raya kerana Peserta E melakukan pengeluaran tunai/penebusan semasa Tempoh Pasca Kempen
| ||||||||||||||||||||||||
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).
| ||||||||||||||||||||||||
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).
| ||||||||||||||||||||||||
14. Untuk mengelakkan sebarang keraguan, Peserta Layak tidak akan layak mendapat Ganjaran Kempen, jika Jumlah Terhad seperti yang ditakrifkan di bawah" diperuntukkan atau digunakan sepenuhnya.
15. Kempen ini akan tamat apabila peruntukan maksimum RM200,000 daripada jumlah Ganjaran Kempen ("Jumlah Had") dicapai atau apabila Tempoh Kempen tamat, yang mana lebih awal.
16. Peserta Layak layak untuk menyertai secara serentak dalam promosi atau kempen lain yang dianjurkan oleh Principal atau TNGD semasa Tempoh Kempen.
17. Dengan menyertai Kempen ini, Pengguna bersetuju untuk membenarkan TNGD dan Principal hak untuk menggunakan nama, butiran peribadi dan gambar Pengguna dan/atau Pemenang, untuk tujuan pemasaran, pengiklanan dan publisiti, mengikut undang-undang yang berkenaan tanpa sebarang kos atau pampasan.
18. Semua Pemenang akan bertanggungjawab secara peribadi untuk semua cukai, kadar, yuran kerajaan atau apa-apa caj lain yang mungkin dikenakan terhadap mereka di bawah undang-undang yang terpakai berhubung dengan hadiah dan Kempen ini.
19. TNGD berhak untuk menahan apa-apa faedah menurut Kempen ini, dengan notis terlebih dahulu kepada Pengguna jika Pengguna didapati melanggar mana-mana Terma dan Syarat Pengguna TNGD yang boleh didapati di https://www.touchngo.com.my/assets/pdf/user-tnc.pdf
20. TNGD dan Principal berhak, pada bila-bila masa, untuk mengubah, memendekkan, membatalkan, menggantung atau menamatkan Kempen ini lebih awal secara keseluruhan atau sebahagian, atau untuk mengubah, memadam, atau menambah mana-mana Terma dan Syarat di sini pada bila-bila masa dengan memberi notis bertulis melalui laman web TNGD dan Principal atau platform media sosial yang dimiliki oleh TNGD dan Principal, masing-masing.
21. TNGD dan Principal berhak untuk membatalkan kelayakan/menolak mana-mana Pengguna yang tidak mematuhi terma dan syarat yang dinyatakan di sini dan/atau didapati atau disyaki mengganggu Kempen ini dan/atau prosesnya atau operasi Kempen ini. Mengganggu termasuk aktiviti penipuan yang melibatkan sebarang tindakan penipuan dan/atau penipuan dan/atau penipuan berkenaan dengan Kempen ini.
22. TNGD dan Principal tidak akan bertanggungjawab atau dipertanggungjawabkan ke atas apa-apa kerugian yang timbul atau dialami oleh Pengguna sama ada timbul secara langsung atau tidak langsung daripada penyertaan Pengguna dalam Kempen ini atau sebaliknya.
23. Terma dan Syarat ini selanjutnya tertakluk kepada Terma dan Syarat Am TNGD yang boleh didapati di https://www.touchngo.com.my/terms-conditions/general-campaign-terms-and-conditions/.
24. Terma dan Syarat ini akan ditadbir oleh undang-undang Malaysia.
25. Sekiranya terdapat sebarang percanggahan, percanggahan atau percanggahan antara versi Bahasa Inggeris dan versi Bahasa Malaysia bagi Terma dan Syarat ini, versi Bahasa Inggeris bagi Terma dan Syarat ini akan diguna pakai.
26. Sila layari https://www.touchngo.com.my untuk maklumat lanjut atau pertanyaan berkaitan Kempen ini.