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Principal Islamic RetireEasy 2030 - Class C

Income Distribution History

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 Islamic PRS Plus is an Islamic investment Scheme designed to help you build and grow your savings* for retirement. The Scheme comprises of a range of Islamic retirement funds, which you may choose to invest based on your retirement needs, risk appetite and age profile. 

* The Funds are neither capital guaranteed nor capital protected funds

This Fund is suitable for Members who:

  • wants to invest in a diversified Shariah-compliant portfolio that offers age-appropriate risk and return profile throughout the investment journey. 
  • aims to achieve decent return while planning for retirement. 
  • are looking for sustainable return for long term. 
  • does not have the time or knowledge to manually switch between funds to achieve de-risking. 
  • does not actively monitor and rebalance their portfolio over time. 
  • wants a simple and straight forward investment suitable for retirement. 

Click here to learn more about Principal Private Retirement Schemes (PRS) end-to-end retirement solution.

Fund Details

Fund category / Type
Core - Mixed Asset (Islamic TDF)
The benchmark is for performance comparison purpose only and the risk profile of the Fund is not the same as the risk profile of the benchmark. The benchmark was set based on current market environment and asset allocation mix. Currently, the benchmark for iRE30 is
Benchmark composition iRE30
MSCI ACWI Islamic NR USD     18%
FTSE Bursa Malaysia EMAS Shariah TR MYR 18%
MSCI AC Asia Islamic Ex JPN TR USD 24%
Refinitiv BPAM Sukuk Index MYR 25%
DJ Sukuk TR USD  15%

As this is a long-term fund, the return expectation may change accordingly should there be changes in the market environment and asset allocation mix at that point of time. Any changes to the benchmark will be reflected in the PHS, which is available on Principal Malaysia website at www.principal.com.my.    

Asset Allocation Up to 100% of the Fund’s NAV may be invested in Islamic CIS (including Islamic ETF and Islamic REITs), Shariah-compliant equities, Sukuk, Islamic money market instruments and/or Islamic Deposits. Notwithstanding, 
  • up to 40% of the Fund’s NAV may be invested in Unrated Sukuk; and 
  • up to 10% of the Fund’s NAV may be invested in unlisted Shariah-compliant securities
Principal risk
Stock specific risk, credit and default risk, interest rate risk^, country risk, currency risk, risks associated with investment in Shariah-compliant warrants/Islamic options, risks associated with investment in Islamic CIS, risk associated with unconstrained portfolio, risk associated with TDF and Shariah non-compliance risk.

* Please note that although Sukuk is a non-interest bearing instrument, its price movement is correlated to the movement in the interest rates. As such, investment in Sukuk will have an exposure to interest rates. Even though the Fund does not invest in interest bearing instruments, the interest rate referred herein is to the general interest rate of the country which may affect the value of the investment of the Fund.

Distribution policy
The Fund is not expected to pay any distribution. All income earned by you will automatically be reinvested into the Fund.  
Launch date
23 September 2022
Financial year-end
31 August
Cooling off period
You have six (6) Business Days after your initial contribution (i.e. the date the complete application is received and accepted by us or our Distributors) to reconsider the 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. We must obtain prior authorization of the PPA before proceeding with the refund. We will refund the investment amount including the Sales Charge (if any) to you in MYR within ten (10) calendar days of receiving the authorization of the PPA. Cooling-off right is only given to a first time Member registered with PPA who is investing with any PRS provider. However, Principal Malaysia’s staff, person(s) registered by a body approved by the SC to deal in PRS and contributions made to PRS by an employer on behalf of the employee are not entitled to the cooling-off right. 
Minimum contribution
MYR 100
Minimum additional contribution
MYR 50
Minimum withdrawal MYR 50 or 100 Units

Fund Partner

  • Principal Distributors
  • CIMB Bank Berhad 
  • Harveston Wealth Management Sdn Bhd 
  • iFAST Capital Sdn Bhd 
  • UOB Kay Hian Securities (M) Sdn Bhd
  • Phillip Mutual Bhd
  • Whitman Independent Advisors Sdn Bhd 
  • VKA Wealth Planners Sdn Bhd

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

Fund Fees

Fees and charges charged by Principal Asset Management

Sales Charge (% of the NAV per Unit)#
Max. 0.50% of the NAV per unit
Management Fee 1.50% p.a. of the Fund’s NAV
Transfer Fee (to another PRS providers)
A maximum of MYR 25 may be charged for each transfer to another PRS provider.
Trustee Fee
Up to 0.04% p.a. of the NAV of the Fund (Includes local custodian fees and charges but excludes foreign custodian fees and charges)

# Despite the maximum Sales Charge disclosed above, you may negotiate with us or our Distributors for lower charges. However, you should note that we or our Distributors may, for any reason at any time, where applicable, accept or reject your request and without having to assign any reason, either generally (for all investors) or specifically (for any particular investor or a group of investors) without prior notice to you.

Fees and charges charged by Private Pension Administrator ("PPA")

PPA account opening fee
MYR 10
PPA annual fee^
PPA pre-retirement withdrawal Fee 
MYR 25 per transaction
PPA transfer fee (to another PRS provider) 
MYR 25 per transaction
PPA administration fee#
0.04% p.a. of the Fund’s NAV

^ Not payable for the year the account is opened and on the year where there was no contribution.
# The annual PPA administration fee is accrued daily based on the NAV of the Fund and paid monthly.