2025 Principal Unit Trust Retire with Purpose (“Campaign”) Terms and Conditions

Terms & Conditions

  1. The Campaign is organised by TNG Digital Sdn Bhd (201701042478) (“TNG Digital”) and Principal Asset Management Berhad (199401018399 (304078-K) (“Principal”).
  1. The Campaign begins on 5th November 2025 and ends on 31st December 2025, both dates inclusive (“Campaign Period”).

Eligibility

  1. 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”). 
  1. Eligible Participants can Cash In into any one (1) of the following products:
    1. Equity Funds:
      1. Principal Islamic Global Selection Moderate Conservative Fund 
      2. Principal Islamic Global Selection Moderate Fund
      3. Principal Global Titans Fund
      4. Principal DALI Global Equity Fund 
      5. Principal Asia Pacific Dynamic Income Fund
      6. Principal Asia Pacific Dynamic Mixed Asset Fund
      7. Principal Islamic Global Selection Aggressive Fund 
      8. Principal Islamic Lifetime Balanced Fund
      9. Principal Islamic Enhanced Opportunities Fund
      10. Principal Lifetime Balanced Income Fund
      11. Principal Asia Titans Fund
      12. Principal Malaysia Titans Fund
      13. Principal Titans Income Plus Fund
      14. Principal Vietnam Equity Fund
      15. Principal China New Energy Innovation Fund
      16. Principal Islamic Global Multi-Asset Fund
      17. Principal Islamic Global Responsible Equity Fund
      18. Principal RetireEasy
      19. Principal Islamic RetireEasy

 

  1. Bond Funds:
    1. Principal Islamic Lifetime Enhanced Sukuk Fund
    2. Principal Lifetime Bond Fund

 

(“Eligible Product”).

  1. Eligible Participants will be entitled to the Rewards as set out in Part I and Part II of the Campaign Rewards and Mechanics below (“Campaign Rewards”). 

 

Campaign Rewards and Mechanics 

I. Reward 1: Lucky Draw Prizes 

  1. Subject to the terms and conditions stated herein, the Eligible Participants who satisfy the conditions stated in Clause 3, 4 and 7 will stand a chance to win the Lucky Draw Prizes (“Prize”). 
  1. To be eligible for the Lucky Draw Prize, the Eligible Participants are required to fulfil all the following requirements:
    1. The Eligible Participant must perform a minimum cash in of RM200.00 either in a single transaction into their Principal Invest or Retire feature account and/or by activating the “Auto Cash-In” feature during the Campaign Period. The Cash-In and Investment Subscription must be successfully completed within the Campaign Period.
    2. The Eligible Participant must key in “FUTUREWISE” in the promo code field of Principal Invest or Retire feature account whenever a single cash in is performed within the Campaign Period.
    3. The Eligible Participant shall earn one (1) lucky draw entry for every RM500.00 cash in performed into their Principal Invest and/or Retire feature account.
    4. 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 January 2026, 12:00 AM to 30th January 2026, 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.
    5. Prizes are fully sponsored by Principal and are not transferable or exchangeable and cannot be exchanged for cash. Principal accepts no responsibility for any tax or other liability that may arise from the prize.
    6. The Lucky Draw Prizes entitled shall be as follows:

Prize

No. of Winners

Minimum Lucky Draw Entry(ies) Required

iPhone 17 Pro

1

3 or above

Lunar Pickleball paddle (Lunar X)

3

2 or above

TNG eWallet Reload PIN worth RM68

10

1 or above

TNG eWallet Reload PIN worth RM28 

20

1 or above

TNG eWallet Reload PIN worth RM18

30

1 or above

TNG eWallet Reload PIN worth RM8 

40

1 or above

 

  1. Winners for Reward 1 will be selected randomly. Eligible Participants are allowed to perform multiple cash in into their Principal Invest or Retire feature account within the Campaign Period to increase the chances of winning.
  1. Winners of Reward 1 will be selected and announced within forty-five (45) days from the end of the Post Campaign Period.

 

II. Reward 2: Welcome Bonus Rate 

  1. 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 the Welcome Bonus Rate on top of Reward 1, based 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.

 

  1. To be eligible for the Welcome Bonus Rate, the Eligible Participants are required to fulfil all the following requirements:
    1. The Eligible Participant must successfully open a new Principal – Invest or Retire feature account during the Campaign Period. For avoidance of doubt, Eligible Participants who already have an existing Principal – Invest or Retire feature account before the Campaign Period shall not be entitled to the Welcome Bonus Rate, i.e. on or before 4th November 2025, 12:00 AM. 
    2. The Eligible Participant must perform a minimum cash in of RM200.00 either in a single transaction into their Principal Invest or Retire feature account and/or by activating the “Auto Cash-In” feature during the Campaign Period. The Cash-In and Investment Subscription must be successfully completed within the Campaign Period. 
    3. The Eligible Participant must key in “FUTUREWISE” in the promo code field of Principal Invest or Retire feature account whenever a single cash in is performed within the Campaign Period. 
    4. 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 January 2026, 12:00 AM to 30th January 2026, 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.
    5. The Welcome Bonus Rate entitled shall be as follows:

      NFC Amount (RM)

       Welcome Bonus Rate Entitled

      RM200.00 – RM999.99

      3% p.a. for 30 days 

      RM1,000.00 – RM2,999.99

      4% p.a. for 30 days 

      RM3,000.00 & above

      5% p.a. for 30 days 
    6. The Welcome 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. 31st December 2025 11.59 PM.
  1. Each Eligible Participant who fulfills all the criteria stated in Clause 3, 4 and 11 herein is entitled to earn the Welcome Bonus Rate, capped at RM1,000 per Eligible Participant.

 

Other Campaign Terms and Conditions

  1. Reward 1 will be in the form of the respective Lucky Draw Prize, while Reward 2 will be in the form of cash back into the Eligible Participant’s TNG e-wallet account. Both Reward 1 and Reward 2 shall be distributed to the Eligible Participants respectively within 60 days after Post Campaign Period (“Reward Distribution Date”), i.e. by 31st March 2026.
  1. Principal shall not be liable for any losses, damages, or costs incurred or suffered by any Eligible Participant as a result of participating in this Campaign. Further shall not be liable for any default of this obligation under the Campaign due to any force majeure event which includes not limited to act of God, war, riot, lockout, industrial action, fire, flood, drought, storm or any event beyond reasonable control of Principal. 
  1. Principal will not assume any responsibility and liability for the Reward and Principal excludes and disclaims any representation, warranties or endorsement, implied or express, written or oral, of the Reward offered under this Campaign, including but not limited to any warranty of quality, merchantability, fitness for a particular purpose or use, health and safety. The Reward is offered solely by Touch ‘n Go, under such terms and conditions as may be determined by Touch ‘n Go. Any dispute arising or in connection with the Reward offered by Touch ‘n Go shall be resolved by the Eligible Participant directly with Touch ‘n Go. 
  1. Principal reserves the absolute right to substitute the Rewards with any other item(s) of similar value at its discretion. Any further correspondence will not be entertained. 
  1. Principal will not be held liable in the event the Reward fulfilments are not completed due to incorrect email address provided by the Eligible Participant. 
  1. Principal shall not be liable for any losses, damages, or costs incurred or suffered by any Eligible Participant as a result of participating in this Campaign. Further shall not be liable for any default of this obligation under the Campaign due to any force majeure event which includes not limited to act of God, war, riot, lockout, industrial action, fire, flood, drought, storm or any event beyond reasonable control of Principal. 
  1. If the Eligible Participant closes their TNG eWallet account or Principal – Invest or Retire feature 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. 
  1. 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. 
  1. This Campaign will end once the maximum allocation of RM200,000 of the Campaign Reward amount for Reward 2 (“Amount Capped”) is reached or when the Campaign Period ends, whichever is earlier.
  2. Eligible Participants are entitled to participate concurrently in other promotions or campaigns organised by Principal or TNGD during the Campaign Period. 
  1. 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. 
  1. 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. 
  1. 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  
  1. 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.  
  1. 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.  
  1. 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.  
  1. 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/.  
  1. These Terms and Conditions shall be governed by the laws of Malaysia. 
  1. 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.  
  1.  Please visit https://www.touchngo.com.my for more information or inquiries relating to this Campaign.