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 27th August 2025 and ends on 10th October 2025, both dates inclusive (“Campaign Period”).
Eligibility
3. 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”).
4. Eligible Participants can Cash In into any one (1) of the following products:
a) Equity Funds:
i. Principal Islamic Global Selection Moderate Conservative Fund
ii. Principal Islamic Global Selection Moderate Fund
iii. Principal Global Titans Fund
iv. Principal DALI Global Equity Fund
v. Principal Asia Pacific Dynamic Income Fund
vi. Principal Asia Pacific Dynamic Mixed Asset Fund
vii. Principal Islamic Global Selection Aggressive Fund
viii. Principal Islamic Lifetime Balanced Fund
ix. Principal Islamic Enhanced Opportunities Fund
x. Principal Lifetime Balanced Income Fund
xi. Principal Asia Titans Fund
xii. Principal Malaysia Titans Fund
xiii. Principal Titans Income Plus Fund
xiv. Principal Vietnam Equity Fund
xv. Principal China New Energy Innovation Fund
xvi. Principal Islamic Global Multi-Asset Fund
xvii. Principal Islamic Global Responsible Equity Fund
xviii. Principal RetireEasy
xix. Principal Islamic RetireEasy
b) Bond Funds:
i. Principal Islamic Lifetime Enhanced Sukuk Fund
ii. Principal Lifetime Bond Fund
(“Eligible Product”).
5. Eligible Participants will be entitled to the additional Rewards as set out in Part I, Part II, Part III and Part IV of the Campaign Rewards and Mechanics below (“Campaign Rewards”).
Campaign Rewards and Mechanics
I. Reward 1: Merdeka Bonus Rate Reward
6. Subject to the terms and conditions stated herein, the Eligible Participants who satisfy the conditions stated in Clause 3, 4 and 7 will be entitled to 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, 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.
7. 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. |
II. Reward 2: Welcome Bonus Rate Reward
8. 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 an 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.
9. 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.
III. Reward 3: Auto Cash In Bonus Rate Reward
10. Subject to the terms and conditions stated herein, the Eligible Participants who satisfy the conditions stated in Clause 3, 4 and 11 will be entitled to an 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.
11. 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.
IV. Reward 4: Early Bird Reward
12. Subject to the terms and conditions stated herein, the first twenty-eight (28) Eligible Participants who satisfy the conditions stated in Clause 3, 4 and 13 will be entitled to 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.
13. 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 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 Reward 4.
14. Illustration:
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
|
| |||||||||||||||||||||||||||||||||
Other Campaign Terms and Conditions
15. 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.
16. Each Eligible Participant who fulfils all the criteria stated in this terms & conditions herein is entitled to earn the Campaign Rewards, capped at RM200 per Eligible Participant.
17. Campaign Reward will be 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.
18. 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.
19. 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.
20. 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.
20.
21. Eligible Participants are entitled to participate concurrently in other promotions or campaigns organised by Principal or TNGD during the Campaign Period.
22. 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.
23. 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.
24. 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
25. 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.
26. 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.
27. 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.
28. 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/.
29. These Terms and Conditions shall be governed by the laws of Malaysia.
30. 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.
31. Please visit https://www.touchngo.com.my for more information or inquiries relating to this Campaign.