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Each of the funds referred to in the Principal Asset Management Berhad (‘Principal’) website is intended only to be made available in Malaysia and offered only to persons in Malaysia. The data presented is for information purposes only and is not a recommendation to buy or sell any securities or adopt any investment strategy. This material is not intended to be relied upon as a forecast, research, or investment advice regarding a particular investment or the markets in general, nor is it intended to predict or depict performance of any investment. The information it contains does not take account of any investor's investment objectives, particular needs or financial situation. You should consider whether an investment fits your investment objectives, particular needs and financial situation before making any investment decision.


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Principal Lifetime Balanced Income Fund EPF MIS

Fund Performance

As at date : 31-03-2024
Year To Date Performance (%) 1Year (%) 3Year (%) 5year (%) Since Inception (%) NAV (MYR) Fund Size (million)
Principal Lifetime Balanced Income Fund 7.84% 9.79% 9.91% 29.32% 478.20% 0.7066 178.80
Benchmark 4.41% 7.54% 2.26% 3.87% 153.35%
Benchmark : 60% FBM 100 + 40% CIMB Bank 1-month Fixed Deposit Rate

Income Distribution History

Period Gross (Sen/ Unit) Annualised Yield (%)
Oct-2023 0.33 1.04
Apr-2023 1.48 4.52
Oct-2022 1.31 4.02
Apr-2022 2.07 5.98
Sep-2021 3.08 4.20
Sep-2020 3.04 4.31
Sep-2019 2.73 4.06
Sep-2018 4.05 5.39
Oct-2017 5.25 6.84
Oct-2016 5.25 6.94
Oct-2015 5.00 6.57
Oct-2014 5.20 5.95
Nov-2013 5.17 6.07

Disclaimer : Annualised yield is calculated as the most recent monthly dividend distribution multiplied by the Fund’s dividend frequency and divided by the latest NAV.

Unit Split History

General Information

Principal Lifetime Balanced Income Fund is a balanced fund issued by Principal Malaysia. The Fund aims to seek long-term growth
in capital and income by investing in all types of investments. The Fund is established with a multi-class structure and is allowed to establish new Class(es) from time to time without your prior consent.

Fund is suitable for investors who: 

  • have a long-term investment horizon;
  • want a balanced portfolio that includes equities and fixed income securities;
  • seek capital appreciation with income being secondary; and
  • can accept that returns may fluctuate over the investment period.

Fund Details

Distribution PolicyClass MYR: The Manager has the discretion to distribute part or all of the Fund’s distributable income. The distribution (if any) may vary from period to period depending on the investment objective and the performance of the Fund.
Investment Time HorizonRecommended 5 years or more.
Initial Investment#Non-RSP: Minimum MYR500 or such other amount as the Manager may decide from time to time.

RSP: Minimum MYR500 or such other amount as the Manager may decide from time to time.

#The minimum initial investment for EPF-MIS shall be MYR1,000 or such other amount as determined by EPF. The list of funds that is allowed under the EPF-MIS approved fund will be updated on the website at www.principal.com.my or www.kwsp.gov.my as and when EPF revises the list. Alternatively, you may contact our Customer Care Centre at (03) 7723 7260 for further information.
Additional InvestmentNon-RSP: MYR200 or such other amount as the Manager may decide from time to time.

RSP: MYR200 or such other amount as the Manager may decide from time to time.
Cooling off period

For first time individual investor investing with us, you have six (6) Business Days after your initial investment (i.e from the date the completed application is received and accepted by us or any of our Distributors) to reconsider its appropriateness and suitability for your investment needs. Within this period, you may withdraw your investment at the same NAV per unit when the units were purchased or prevailing NAV per unit at the point of cooling-off (whichever is lower) (“Refund Amount”). We will pay the Refund Amount including the Application Fee (if any) to you in the currency of the respective Class within seven (7) Business Days from the date we receive the complete documentations. Please note that the cooling-off right is only given to first time investor investing with us or our Distributors. However, Principal Malaysia’s staff and person(s) registered with a body approved by the SC to deal in unit trust funds are not entitled to the cooling-off right. 

If the Fund is an EPF-MIS approved fund and you have invested via the EPF-MIS, your cooling-off right is subject to EPF’s terms and conditions.

Minimum Withdrawal200 units or such other unit amount as the Manager may decide from time to time.
Launch Date10 August 1995

Fund Partner

Click here to know more about our fund partner(s).

Fund Fees

Application FeesUp to 6.50% of the NAV per unit.
Annual FeesManagement Fee: Up to 1.50% per annum of the NAV of the Class.
Trustee Fee

Before 28 November 2023, the rates used for the computation of the annual Trustee Fee are as follows:

Size of the Fund% p.a. of NAV of the Fund
First MYR20 million0.06
Next MYR20 million0.05
Next MYR20 million0.04
Next MYR20 million0.03
Next MYR20 million0.02
Any amount in excess of MYR100 million0.01

(includes local custodian fee but excludes foreign sub-custodian fees and charges (if any)).

After 28 November 2023, up to 0.01% per annum (includes local custodian fee but excludes foreign sub-custodian fees and charges (if any)) of the NAV of the Fund

Switching FeesSwitching is treated as a withdrawal from a Class and an investment into another Class or Principal Malaysia’s fund (or its classes). You may be charged a Switching Fee equal to the difference (if any) between the Application Fees of the Class and the Application Fee of the other Class or Principal Malaysia’s fund (or its classes). You will not be charged a Switching Fee, if the Class or Principal Malaysia’s fund (or its classes) to be switched into has a lower Application Fee than the Application Fee of the Class. In addition to the Switching Fee, you may be charged MYR100 as the administrative fee for every switch.  You may negotiate to lower the Switching Fee and/or administrative fee.