Principal: Raya Campaign 2026 T&Cs
Terms & Conditions
2026 Principal RAYA MACAM-MACAM 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 9th March 2026 and ends on 12th April 2026, both dates inclusive (“Campaign Period”).
Eligibility
3. The Campaign is open to all Investment – Principal users who perform a Cash In in to their Principal – “Invest” and/or “Retire” account only, made available on the Investment tile of TNG eWallet, 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 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 an additional bonus rate (“Bonus Rate”) on the Net Cash Flow (“NCF”) amount maintained for a period of thirty (30) days. 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. The Bonus Rate entitled are illustrated as 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. |
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 “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 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 13th Apr 2026, 12:00 AM to 12th May 2026, 11.59pm (“Post Campaign Period”). The Eligible Participant shall not be entitled to Bonus Rate if any redemption is performed during the Post Campaign Period.
d. 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.
9. 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 RM500 per Eligible Participant.
10. Illustration:
| Participant | Transaction(s) | Campaign Reward Entitled | ||||||||||||||||||||||||||||
| A |
|
Entitled for 6.88% p.a. Bonus Rate on RM12,000 NCF – RM67.90 equivalent in fund units |
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| B |
|
Entitled for 3.88% p.a. Bonus Rate on RM4,000 NCF – RM12.80 equivalent in fund units |
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| C |
|
Not entitled for Bonus Rate as Participant C performed cash out/ redemption during Post-Campaign Period | ||||||||||||||||||||||||||||
| D |
|
Entitled for 3.88% p.a. Bonus Rate on RM10,500 – RM33.50 equivalent in fund units |
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| E |
|
Entitled for 8.88% p.a. Bonus Rate on RM16,500 NCF – RM120.40 equivalent in fund units |
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Other Campaign Terms and Conditions
11. 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.
12. If the Eligible Participant closes their TNG eWallet account or Principal – Invest or Retire 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. 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. 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.
15. TNGD and Principal reserve the right to substitute the gift with that of a similar value at any time with prior notice.
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.