Principal: Raya Campaign 2026 FAQs

Frequently Asked Questions

Frequently Asked Questions

Q1. What does this Campaign offer?

The Campaign offers:

Up to 8.88%p.a. additional bonus rate on the Net Cash Flow (“NCF”) amount maintained for a period of thirty (30) days, as illustrated below:

NCF Amount (RM) Additional Bonus Rate Entitled
RM500 – RM6,000 3.88% p.a.
RM6,001 – RM16,000 6.88% p.a.
RM16,001 and above 8.88% p.a.

(“Campaign Rewards”).

 

Q2. What is the duration of this campaign?

The Campaign begins on 9th March 2026 and ends on 12th April 2026, both dates inclusive (“Campaign Period”).

 

Q3. Who is eligible for this promotion?

The Campaign is open to all users who perform a Cash In into their Principal – Invest and/or Retire feature account during the Campaign Period (“Eligible Participant”).

 

Q4. How to be eligible for the Campaign Rewards?

To be eligible for the Campaign Rewards, the Eligible Participants are required to fulfil all of the following requirements:

a. The Eligible Participant must key in “RAYAMACAM2” in the promo code field of Principal – “Invest” or “Retire” feature account whenever a single cash in is performed within the Campaign Period.

b. The Eligible Participant must:

i. Perform a minimum cash in of Ringgit Malaysia Five Hundred (RM500.00) either in a single transaction into their Principal – “Invest” or “Retire” feature account and/or by subscribing to the “Auto Cash-In” feature during the Campaign Period;

ii. The Cash In and Investment Subscription must be successfully completed within the Campaign Period.

c. The additional Bonus Rate will be calculated based on the NCF amount in the Eligible Participant’s Principal – Invest and/or Retire account last recorded as at the last day of the Campaign Period, i.e. 12th Apr 2026 11.59 PM.

 

Q5. 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.

 

Q6. Are there any capping/limitations to this promotion?

The maximum Campaign Reward amount per customer for the Campaign Rewards is capped at RM500. The total cap on Campaign Reward allocation is RM200,000.

 

Q7. What is Net Cash Flow (“NCF”)?

NCF = Total Cash In Amount into Eligible Account(s) – Total Cash Out Amount from Eligible Account(s)

Throughout the Campaign Period.

 

Q8. How is the Bonus Rate calculated?

The Bonus Rate will be calculated based on the NCF amount in the Eligible Participant’s Principal Invest and/or Retire account last recorded as at the last day of the Campaign Period, i.e. 12th April 2026 11.59 PM.

 

Q9. How will the Campaign Reward be distributed?

Campaign Reward will be in the form of bonus units into the Eligible Participant’s Principal Invest or Retire account, which will be fulfilled to the Eligible Participants within 60 days after Post Campaign Period (“Reward Distribution Date”); i.e. by 11th July 2026.

 

Q10. 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 investments on top of the Campaign Reward.

 

Q11. 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 mygoinvest@principal.com. 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).

 

Soalan Lazim

Soalan Lazim
Q1 Apa yang ditawarkan oleh kempen ini??
Kempen ini menawarkan kadar bonus tambahan sehingga 8.88% setahun (p.a.) (“Kadar Bonus “) 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.
(“Ganjaran Kempen”).

Q2 Berapakah lama Tempoh Kempen ini?
Kempen ini bermula pada 9 Mac 2026 dan berakhir pada 12 April 2026, kedua-dua tarikh termasuk (“Tempoh Kempen”).

Q3 Siapa yang layak untuk Kempen ini?
Kempen ini terbuka kepada semua pengguna yang melakukan pelaburan ke akaun Principal (i) Invest atau (ii) Retire mereka semasa Tempoh Kempen (“Peserta Layak”).

Q4 Bagaimana untuk memenuhi syarat untuk Kadar Bonus?
Peserta Layak dikehendaki memenuhi semua syarat berikut untuk layak mendapat Ganjaran Kadar Bonus Raya:
a. Peserta Layak mesti memasukkan “RAYAMACAM2” dalam medan kod promosi pada akaun Principal – “Invest” dan/atau “Retire” apabila satu wang masuk dilakukan dalam Tempoh Kempen.

b. Peserta Layak mesti:

    1. Melabur minimum sebanyak Ringgit Malaysia Lima Ratus (RM500.00) sama ada dalam satu transaksi ke dalam akaun Principal – “Invest” dan/atau “Retire” mereka dan/atau dengan mengaktifkan “Auto Cash-In” semasa Tempoh Kempen;
    2. Pelaburan mesti berjaya diselesaikan dalam Tempoh Kempen.

c. Peserta Layak mesti mengekalkan pelaburan dalam akaun Principal – “Invest” dan/atau “Retire” mereka untuk tempoh pegangan tiga puluh (30) hari dari hari terakhir Tempoh Kempen, iaitu dari 13 Apr 2026, 12:00 pagi hingga 12 Mei 2026, 11.59 malam (“Tempoh Pasca Kempen”). Peserta Layak tidak layak mendapat Kadar Bonus jika sebarang penebusan dilakukan semasa Tempoh Pasca Kempen.

d. Kadar Bonus tambahan akan dikira berdasarkan jumlah NCF dalam akaun Principal – “Invest” dan/atau “Retire” Peserta Layak yang terakhir direkodkan pada hari terakhir Tempoh Kempen, iaitu 12 Apr 2026 11.59 malam.

Q5 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.

Q6 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 RM500 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.

Q7 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.

Q8 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. 12 April 2026 11.59 PM.

Q9 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 60 hari selepas Tempoh Kempen Pasca (“Tarikh Pengagihan Ganjaran”); iaitu sebelum 11 Julai 2026.

Q10 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.

Q11 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).