Frequently Asked Questions
Q1 What does this Campaign offer?
The Campaign offers:
(a) Reward 1: up to an additional 9% per annum (p.a.) additional bonus rate (“Merdeka Bonus Rate”) on the Net Cash Flow (“NCF”) amount maintained for a period of thirty (30) days, as illustrated below:
Eligible Funds | NCF Amount (RM) | Merdeka Bonus Rate Entitled |
Bond Funds | RM200.00 and above | Additional 6% p.a. |
Equity Funds | RM200.00 – RM10,000.00 | Additional 6% p.a. |
RM10,000.00 and above | Additional 9% p.a. |
; and/or
(b) Reward 2: additional 1% per annum (p.a.) bonus rate (“Welcome Bonus Rate”), on top of Reward 1, on the Net Cash Flow (“NCF”) amount maintained for a period of thirty (30) days; and/or
(c) Reward 3: additional 1% per annum (p.a.) bonus rate (“Auto Cash In Bonus Rate”), on top of Reward 1 and Reward 2, on the Net Cash Flow (“NCF”) amount maintained for a period of thirty (30) days; and/or
(d) Reward 4: one (1) pair of Golden Screen Cinemas (GSC) 2D Movie Tickets (“Early Bird Reward”), on top of Reward 1 and/or Reward 2 and/or Reward 3.
(“Campaign Rewards”).
Q2 What is the duration of this campaign?
The Campaign begins on 27th August 2025, 12:00AM to 10th October 2025, 11:59PM, 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 Merdeka Bonus Rate?
1. To be eligible for the Merdeka Bonus Rate, the Eligible Participants are required to fulfil all of the following requirements:
a. The Eligible Participant must key in “INVESTIVAL2025” 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 11th October 2025, 12:00 AM to 9th November 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 Merdeka Bonus Rate entitled shall be as follows:
Eligible Funds | NCF Amount (RM) | Merdeka Bonus Rate Entitled |
Bond Funds | RM200.00 and above | Additional 6% p.a. |
Equity Funds | RM200.00 – RM10,000.00 | Additional 6% p.a. |
RM10,000.00 and above | Additional 9% p.a. |
Q5 How to be eligible for the Welcome Bonus Rate?
To be eligible for the Welcome Bonus Rate, the Eligible Participants are required to fulfil all of the following requirements:
a. 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 Reward.
b. The Eligible Participant must key in “INVESTIVAL2025” in the promo code field of Principal - Invest feature account whenever a single cash in is performed within the Campaign Period. The promo code is not required for cash in performed into the Principal Retire feature account.
c. 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.
d. 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 11th October 2025, 12:00 AM to 9th November 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.
Q6 How to be eligible for the Auto Cash In Bonus Rate?
To be eligible for the Auto Cash In Bonus Rate, the Eligible Participants are required to fulfil all of the following requirements:
a. The Eligible Participant must activate the Auto Cash In feature for the Principal Invest feature account.
b. The Eligible Participant must perform a minimum Auto Cash In of RM200 into their Principal Invest feature account. The first 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.
c. The Eligible Participant must maintain the subscription in their Principal – Invest feature account for a holding period of thirty (30) days from the last day of the Campaign Period, i.e. from 11th October 2025, 12:00 AM to 9th November 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.
Q7 How to be eligible for the Early Bird Reward?
To be eligible for the Early Bird Reward, the Eligible Participants are required to fulfil all of the following requirements:
a. The Eligible Participant must be the first twenty-eight (28) Eligible Participants to perform a cash-in with a minimum amount of Ringgit Malaysia Three Thousand (RM3,000.00) only in a single transaction into their Eligible Account during the Campaign Period; and
b. The Eligible Participant must key in “INVESTIVAL2025” in the promo code field of Principal - Invest feature account whenever a single cash in is performed within the Campaign Period. The promo code is not required for cash in performed into the Principal Retire feature account.
c. Employees of TNGD or Principal shall not be entitled to the Early Bird Reward.
Q8 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.
Q9 Are there any capping/limitations to this promotion?
The maximum Campaign Reward amount per customer is capped at RM200. The total cap on Campaign Reward allocation is RM200,000. The Campaign will cease once the Campaign Reward has reached the maximum allocation limit or when the Campaign Period ends, whichever is earlier.
Q10 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.
Q11 How is the Merdeka Bonus Rate/ Welcome Bonus Rate/ Auto Cash In Bonus Rate calculated?
The additional Bonus Rates 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. 10th October 2025 11.59 PM.
Example:
Participant | Transaction(s) | Campaign Reward Entitled | |||||||||||||||||||||||||||||||||
A |
| Entitled for 6% p.a. Merdeka Bonus Rate on RM3,000 NCF – RM15 Cash Back into TNG e-Wallet | |||||||||||||||||||||||||||||||||
B |
| Not entitled for Merdeka Bonus Rate as Participant B performed cash out/ redemption during Post-Campaign Period
| |||||||||||||||||||||||||||||||||
C |
| Entitled for 9% p.a. Merdeka Bonus Rate on RM10,500 – RM78 Cash Back into TNG e-Wallet | |||||||||||||||||||||||||||||||||
D |
| Not entitled for Merdeka Bonus Rate as Participant D did not meet min RM200 NCF | |||||||||||||||||||||||||||||||||
E |
| Entitled for 6% p.a. Merdeka Bonus Rate + 1% p.a. Auto Cash In Bonus Rate on RM6,500 NCF – RM37 Cash Back into TNG e-Wallet
| |||||||||||||||||||||||||||||||||
F |
| Entitled for 6% p.a. Merdeka Bonus Rate + 1% p.a. Welcome Bonus Rate on RM3,000 NCF – RM17 Cash Back into TNG e-Wallet | |||||||||||||||||||||||||||||||||
G |
| Not entitled for Merdeka Bonus Rate & Welcome Bonus Rate as Participant G performed cash out/ redemption during Post-Campaign Period | |||||||||||||||||||||||||||||||||
H |
| Entitled for 9% p.a. Merdeka Bonus Rate + 1% Welcome Bonus Rate on RM10,500 – RM86 Cash Back into TNG e-Wallet | |||||||||||||||||||||||||||||||||
I |
| Not entitled for Merdeka Bonus Rate & Welcome Bonus Rate as Participant I did not meet min RM200 NCF | |||||||||||||||||||||||||||||||||
J |
| Entitled for 6% p.a. Merdeka Bonus Rate + 1% p.a. Welcome Bonus Rate on RM6,500 NCF – RM37 Cash Back into TNG e-Wallet
| |||||||||||||||||||||||||||||||||
Q12 How will the Campaign Reward be distributed?
Reward 1, Reward 2 and/or Reward 3 will be given 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 24th December 2025.
Reward 4 will be given in the form of Golden Screen Cinemas (GSC) 2D Movie Tickets, which will be distributed via Short Message Service (SMS) to the Eligible Participants within 45 days after Post Campaign Period (“Reward Distribution Date”), i.e. by 24th December 2025.
Q12 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.
Q13 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).