Principal New User Welcome Campaign 2026
Terms & Conditions
2026 Principal 2026 New User Welcome Campaign (“Campaign”) Terms & Conditions
1. The Campaign is organised by TNG Digital Sdn Bhd (201701042478) (“TNG Digital”) and Principal Asset Management Berhad (199401018399 (304078-K) (“Principal”).
2. The Campaign begins on 18th June 2026 and ends on 31st December 2026, both dates inclusive (“Campaign Period”). The Campaign is conducted on a monthly basis, with the Deposit Period for each month set out below:
| Month | Deposit Period |
| June 2026 | 18 June 2026 – 30 June 2026 |
| July 2026 | 1 July 2026 – 31 July 2026 |
| August 2026 | 1 August 2026 – 31 August 2026 |
| September 2026 | 1 September 2026 – 30 September 2026 |
| October 2026 | 1 October 2026 – 31 October 2026 |
| November 2026 | 1 November 2026 – 30 November 2026 |
| December 2026 | 1 December 2026 – 31 December 2026 |
Eligibility
3. The Campaign is open to new customers only, i.e. Investment – Principal users who have not performed any transaction via the Principal – “Invest” platform at any time prior to the Campaign Period on the Investment tile of TNG eWallet, and who complete a cash-in for the first time into an Eligible Product during the Campaign Period (“Eligible Participant”).
4. Eligible Participants can Cash In into any one (1) of the following products:
a. Principal Global Titans Fund
b. Principal DALI Global Equity Fund
c. Principal Asia Pacific Dynamic Income Fund
d. Principal Asia Pacific Dynamic Mixed Asset Fund
e. Principal Islamic Lifetime Balanced Fund
f. Principal Islamic Enhanced Opportunities Fund
g. Principal Lifetime Balanced Income Fund
h. Principal Asia Titans Fund
i. Principal Malaysia Titans Fund
j. Principal Titans Income Plus Fund
k. Principal Vietnam Equity Fund
l. Principal China New Energy Innovation Fund
m. Principal Islamic Global Multi-Asset Fund
n. Principal Islamic Global Responsible Equity Fund
(“Eligible Product”).
5. Eligible Participants will be entitled to the rewards as set out in the Campaign Rewards and Mechanics below (“Campaign Rewards”).
Campaign Rewards and Mechanics
6. Subject to the terms and conditions stated herein, the Eligible Participants who satisfy the conditions stated in Clause 3, 4 and 8 will be entitled to a bonus rate (“Bonus Rate”) on the Net Cash Flow (“NCF”) amount maintained for a period of sixty (60) days. NCF amount shall mean the amount calculated by subtracting the total cash-out amounts from the total cash-in amounts for each Eligible Account throughout the applicable Deposit Period.
7. The Bonus Rate entitled are illustrated as below:
| NCF Amount (RM) | Additional Bonus Rate Entitled |
| RM500.00 to RM999.99 | 3.00% p.a. |
| RM1,000.00 and above | 6.00% p.a. |
8. To be eligible for the Bonus Rate, the Eligible Participants are required to fulfil all of the following requirements:
a. The Eligible Participant must key in “WELCOME” in the promo code field of Principal – “Invest” feature for each cash-in transaction performed within the Deposit Period.
b. The Eligible Participant must:
i. Perform a minimum total cash-in of Ringgit Malaysia Five Hundred (RM500.00) into an Eligible Product on their Principal – “Invest” account during a Deposit Period; and
ii. Each cash-in must be successfully completed within such Deposit Period.
c. The Eligible Participant must maintain the subscription in their Principal – “Invest” feature account for a holding period of sixty (60) days from the last day of each corresponding Deposit Period, as set out in the table below (“Post Deposit Period”). The Eligible Participant shall not be entitled to Bonus Rate if any redemption is performed during the corresponding Post Deposit Period.
| Month | Deposit Period | Post Deposit Period (60 days after deposit period) |
| June 2026 | 18 June 2026 – 30 June 2026 | 1 July 2026 – 29 August 2026 |
| July 2026 | 1 July 2026 – 31 July 2026 | 1 August 2026 – 29 September 2026 |
| August 2026 | 1 August 2026 – 31 August 2026 | 1 September 2026 – 30 October 2026 |
| September 2026 | 1 September 2026 – 30 September 2026 | 1 October 2026 – 29 November 2026 |
| October 2026 | 1 October 2026 – 31 October 2026 | 1 November 2026 – 30 December 2026 |
| November 2026 | 1 November 2026 – 30 November 2026 | 1 December 2026 – 29 January 2027 |
| December 2026 | 1 December 2026 – 31 December 2026 | 1 January 2027 – 1 March 2027 |
d. The Bonus Rate will be calculated based on the NCF amount of the Eligible Product in the Eligible Participant’s Principal – Invest account as at 11:59 PM on the last day of each corresponding Deposit Period.
- Each Eligible Participant who fulfils all the criteria stated in Clause 3, 4 and 8 herein is entitled to earn the Campaign Rewards, capped at RM50 per Eligible Participant.
- Illustration:
| Participant
|
Transaction(s) | Campaign Reward Entitled | ||||||||||||||||||||||||||||
| A (New customer) |
|
Entitled for 6.00% p.a. Bonus Rate on RM2,000 NCF – RM20 equivalent in fund units |
||||||||||||||||||||||||||||
| B (New customer) |
|
Entitled for 6.00% p.a. Bonus Rate on RM4,500 NCF – RM45 equivalent in fund units |
||||||||||||||||||||||||||||
| C (New users) |
|
Not entitled for Bonus Rate as Participant C performed cash out/ redemption during Post Deposit Period | ||||||||||||||||||||||||||||
| D (Existing INVEST users) |
|
Not entitled for Bonus Rate as Participant D is an existing INVEST customer |
||||||||||||||||||||||||||||
| E (New customer) |
|
Entitled for 6.00% p.a. Bonus Rate on RM10,500 NCF – RM50 equivalent in fund units (Reward capped at RM50 per pax) |
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Other Campaign Terms and Conditions
11. Campaign Reward will be in the form of fund units into the Eligible Participant’s Principal Invest, which will be fulfilled to the Eligible Participants within 60 days after the end of the corresponding Post Deposit Period for each Deposit Period, subject to fulfilment of all Campaign requirements. (“Reward Distribution Date”).
12. If the Eligible Participant closes their TNG eWallet account or Principal – Invest account 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. 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.
14. TNGD and Principal reserve the right to substitute the gift with that of a similar value at any time with prior notice.
15. Eligible Participants are entitled to participate concurrently in other promotions or campaigns organised by Principal or TNGD during the Campaign Period.
16. 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.
17. All Eligible Participants 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.
18. 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
19. 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.
20. 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.
21. 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.
22. 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/.
23. These Terms and Conditions shall be governed by the laws of Malaysia.
24. 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.
25. Please visit https://www.touchngo.com.my for more information or inquiries relating to this Campaign.