You can now invest in Unit Trust funds* (“Fund”) with Principal Asset Management Berhad (“Principal Malaysia”) through GOinvest, a new investment platform available in the Touch ‘n Go eWallet app ("Investment Platform").

*See FAQ no. 7 for fund listing.

There are two features as below:
Save
Save is a goal-based investment feature where you can select and personalise your investment goals(s)
  
Invest
Invest is a new feature that enables investors to invest in Global & Regional in both conventional & Islamic funds for potentially higher returns.

• Convenient way to start investing from as low as RM10
• Gateway to Global & Regional Conventional & Islamic funds
• Safe and secure platform
• No investment cap 
• No lock-in period

For fund information, you can refer to the following links: https://bit.ly/FundList and search for the fund name.

“Save”
One fund - Principal Islamic Money Market Fund (Class D) (“IMMF”)).

“Invest”
Currently there are eleven (11) funds as below:

Conservative 

1. Principal Islamic Money Market Fund (Class D)
2. Principal Islamic Global Selection Moderate Conservative Fund (Class D)

Moderate

1. Principal Islamic Lifetime Enhanced Sukuk Fund (Class D)
2. Principal Islamic Global Selection Moderate Fund (Class D)
3. Principal Islamic Lifetime Balanced Fund (Class D)

Aggressive

1. Principal Asia Pacific Dynamic Mixed Asset Fund (Class D)
2. Principal Islamic Global Selection Aggressive Fund (Class D)
3. Principal Asia Pacific Dynamic Income Fund (Class D)
4. Principal Global Titans Fund (Class D)
5. Principal DALI Global Equity Fund (Class D)
6. Principal Islamic Enhanced Opportunities Fund (Class D)

You can find the Fund information and documents by clicking on the ‘Fund Info’ button via Touch ‘n Go eWallet's GOinvest feature.

Alternatively, you can click here and search for the fund name in the search box.

For all fund documentation, you may visit https://bit.ly/FundList and search for the fund name.

This is an investment (not a bank deposit), hence it is not protected by PIDM. 

Yes, this platform and funds are regulated by SC.

Any Malaysian, Touch 'n Go eWallet user who is above 18 years old and has completed the account verification process is eligible to invest.

Currently, our Investment Platform is offered to Malaysians only. 

You are advised to read and understand the Prospectus, and the Product Highlight Sheet for the Fund before investing. Please be advised that investment in the relevant Fund carries risk. An outline of the various risks involved are described in the Prospectus of the Fund. As an investor, you should make your own risk assessment and seek professional advice where necessary. 
 

Shariah-compliant investments are investments based on the principles of Islamic finance. The guiding principles of Shariah-compliant investments dictates the investments must not involve any elements of Riba (usury), Gharar (ambiguity) and Maysir (gambling).

To enjoy GOinvest, you need to download and register with Touch ‘n Go eWallet.

If you are an existing GO+ investor, please follow these steps:

• Click on GOinvest. 
• Select "Save" or "Invest" feature.
• If you select "Save"
  • Provide consent. 
  • Select your financial goal.
  • Set up how much you want to invest and how long you will have to achieve your financial goal.
  • The Investment Platform will calculate how much you need to invest in a month and display your projected return.
  • You can then make your first Cash In for your selected goal via Touch ‘n GO eWallet balance or FPX online banking.

If you are not an existing GO+ investor, please follow these steps:

• Click on GOinvest.
• Select "Save" or "Invest" feature.

• If you select "Save"
  • Perform eKYC.
  • Select your financial goal.
  • Set up how much you want to invest and how long you will have to achieve your financial goal. 
  • The Investment Platform will calculate how much you need to invest in a month and display your projected return.
  • You can then make your first Cash In for your selected financial goal via Touch ‘n GO eWallet balance or FPX online banking.

• If you select "Invest"
  • Perform eKYC.
  • Answer simple questions to find out your risk profile.
  • You will be presented with recommended funds based on your user risk profile.
  • Select your fund(s).
  • Insert your investment amount. 
  • You can then make your first Cash In via Touch ‘n GO eWallet balance or FPX online banking.

No.

You can proceed with investing in the investment platform if you already have GO+.
Kindly refer Part 2, Question 1.

Yes.

There are personalised goals that you can select in the “Save” feature, or you can choose general savings.

Yes, you need to select the personalised financial goals in the Investment Platform, or you can choose general savings.

Yes, you can have multiple financial goals but can only create one financial goal at a time.

Only one fund, Principal Islamic Money Market Fund (Class D) (“IMMF”) and it is a Shariah-compliant fund.

Projected return rate is a gross return rate (excludes management and Trustee fees) per annum of your investment by Principal Malaysia over the next 12 months. 

Projected Net Return is the estimated return on your investment over the next 12 months. It is calculated based on the current gross yield of the portfolio, less the fees (which comprises of both Management and Trustee fees) during the period which the projection was made.

For example: 
An initial savings of RM100,000 for 12 months, projected total earnings is RM2,150 (based of net return of 2.15% p.a.). 
 

Total Return is the sum of your daily return accumulated from the day of your initial Cash In.

For example:
•    Initial investment of RM100,000 at NAV price of RM1.000 per unit.
•    Income distribution for 12 months = RM200 x 12 = RM2,400.
•    After 1 year, total investment value (assuming NAV price of RM1.001) 
      = RM100,000 x RM1.001 = RM 100,100.
•    Earning gain from NAV increment 
      = RM100,000 – RM100,100 
      = RM100
•    Total return (income), after 1 year 
      = RM2,400 + RM100 = RM2,500
 

The Fund invests in mostly short-term Sukuk and Islamic FD placements, where their rates are closely aligned to the movements in the Overnight Policy Rate (OPR) set by Bank Negara Malaysia (BNM). Any movements in the OPR (both upwards or downwards) will highly likely have an impact on the Fund’s projected gross returns.

After you’ve completed the risk assessment test, you will be recommended a few funds that suits your risk profile. 

Yes, you will need to complete a risk assessment test to determine your risk appetite.

Currently, there are eleven (11) funds as below:

Conservative 

1. Principal Islamic Money Market Fund (Class D)
2. Principal Islamic Global Selection Moderate Conservative Fund (Class D)

Moderate

1. Principal Islamic Lifetime Enhanced Sukuk Fund (Class D)
2. Principal Islamic Global Selection Moderate Fund (Class D)
3. Principal Islamic Lifetime Balanced Fund (Class D)

Aggressive

1. Principal Asia Pacific Dynamic Mixed Asset Fund (Class D)
2. Principal Islamic Global Selection Aggressive Fund (Class D)
3. Principal Asia Pacific Dynamic Income Fund (Class D)
4. Principal Global Titans Fund (Class D)
5. Principal DALI Global Equity Fund (Class D)
6. Principal Islamic Enhanced Opportunities Fund (Class D)

Yes, you can.

Yes, you can. However, we would suggest all our investors to read our disclaimer before investing: https://www.principal.com.my/en/disclaimer-my

For fund information, you can refer to the following links: https://bit.ly/FundList and search for the fund name.
 

For a full view of the Fund performance, you can refer to our Fund listing here https://bit.ly/FundList and search for the fund name.

Cash In is a function to deposit cash via Touch ‘n Go eWallet or FPX Online Banking into “Save” or “Invest” feature.

No. You can only Cash In into the Investment Platform through Touch ‘n Go eWallet or FPX online banking.

Yes, the minimum Cash In amount is RM10, whether from your Touch ‘n Go eWallet balance or from your bank account balance via FPX Online Banking (for starting out and future transactions).

You will be notified via Touch ‘n Go app notification once your Cash In request is successful. You may also view the transaction history to check your Cash In status.

1. If we receive a complete Cash In by 1:00 p.m. on a Business Day, we will process and credit your Cash In on the same Business Day (using the NAV per unit for that Business Day).
2. If we receive the Cash In after 1:00 p.m. on a Business Day, we will process and credit your Cash In the next Business Day (using the NAV per unit for the next Business Day).
3. We will only process the completed Cash In once we receive all the necessary information. The number of units you receive will be rounded to two (2) decimal places.

The possible reason for unsuccessful Cash In via FPX is that you might have transferred from an FPX bank account that is not registered under your name.

For any failed Cash In via FPX transaction due to third party payment, the amount will be refunded into the respective bank account used for Cash In within three (3) business days from day of the transaction, and any applicable bank charges payable shall be borne by the customers.

Alternatively, you may connect with Principal Malaysia’s Customer Care Centre at +(603) 7723 7260, chat via WhatsApp or email your queries to goinvest@principal.com.my

Please take note that the operating hours are during business hour between Monday to Friday from 8.45am to 5.45pm (except on Kuala Lumpur and national public holidays. 
 

• You might have transferred from an FPX bank account that is not registered under your name.
• You might have failed a bank portal authentication step (e.g. invalid login to bank portal, invalid entry of the bank’s One Time Password (OTP), insufficient funds in bank account, etc).
• You did not meet the necessary requirements.  
• Your Touch ‘n Go eWallet might have experienced a connection timeout. Please try again later.

No limit to the number of Cash In for your fund(s).

Yes, you can setup monthly Auto Cash In. The minimum is RM500.

For more information on monthly Auto Cash In, you can view Part 12. 

Cash Out is basically a request to withdraw your investment units.

For Save feature

• You need to select a goal to Cash Out.

For Invest feature

• You need to select a Fund to Cash Out.

You can Cash Out (i.e. sell) once your Cash In transactions (i.e. buy) are completed where you have units in your account. 

You are unable to Cash Out (i.e. sell) your fund during the transaction pending processing cycle where unit have yet to be credited into your selected goal(s).
 

The minimum Cash Out amount is RM10 and it will be credited back to your bank account and there is no maximum Cash Out amounts.

Please take note that we will do a full Cash Out if your Cash Out request results in balance of units below the minimum unitholding balance threshold.
 

Cash Out can be made from the Fund by completing the withdrawal application and submit to e-Wallet App, or such other channel. There is no restriction on the frequency of withdrawals. The amount that you will receive is calculated by the withdrawal value less the Withdrawal Fee, if any.

For Save feature 
You will be paid in MYR within two (2) Business Days (T+2) of receipt of the complete withdrawal request. You will have to bear the applicable bank fees and charges, if any.

For Invest feature
You will be paid in MYR within seven (7) Business Days (T+7) of receipt of the complete withdrawal request. You will have to bear the applicable bank fees and charges, if any.

No. Cash Out can only be done into your bank account.

Yes, you can change by putting the new bank account number. 

You’ll receive a notification on your Touch ‘n Go eWallet that a successful Cash Out transaction was made. 

These are the possibilities:

• You might have Cash Out to a bank account that is not registered under your name or ID.
• You did not meet the necessary requirements.
• You did not provide all required and accurate information to us. If you fail to complete your Cash Out request, non-receipt of the Cash Out request by us or receipt of inaccurate information by us, the Cash Out request will be cancelled automatically.

Cash Out request made will take up to two (2) Business Days to bank account for Save feature OR up to seven (7) Business Days to bank account for Invest feature. 

For clarification, you may connect with Principal’s Customer Care Centre via WhatsApp, call at +(603) 7723 7260 or email your queries to goinvest@principal.com.my 

Please take note that the operating hours are during business hour between Monday to Friday, 8.45am – 5.45pm (except on Kuala Lumpur and national public holidays). 
 

You can view your Cash Out transaction status on the transaction tab at the bottom of the page.

• You might have Cash Out to a bank account that is not registered under your name or ID.
• You did not meet the necessary requirements.
• You did not provide all required and accurate information to us. If you fail to complete the Cash Out request by you, non-receipt of the Cash Out request by us or receipt of inaccurate information by us, the Cash Out request will be cancelled automatically. 
   

You could Cash Out all your invested amount and the account will only be closed if the account is with zero balance for 12 months.

Switching is treated as a withdrawal from this Class and an investment into another class or Principal Malaysia’s funds (or its classes).

Yes, you may.

Currently, there is no restriction on the frequency of switches.

You may be charged a Switching Fee equal to the difference (if any) between the Application Fee of this Class and the Application Fee of other class or Principal Malaysia’s funds (or its classes). Switching Fee will not be charged if the class or Principal Malaysia’s funds (or its classes) to be switched into has a lower Application Fee.

For fund information, you can refer to the following links: https://bit.ly/FundList and search for the fund name.

• From the dashboard, click “Switch” and select a goal or fund you wish to switch from and to.
• Enter the amount you wish to switch (minimum RM10).
• Click to agree on the Terms and Conditions.

Where available, we process a switch as a withdrawal from one fund or class and an investment into another fund or class within Principal Malaysia. If we receive a complete switch request by 4:00p.m. or 1:00p.m. (for Class D) on a Business Day, we will process the switch-out using the NAV per unit for that Business Day. If we receive the request after 4:00 p.m. or 1:00p.m. (for Class D) on a Business Day, it will be processed using the NAV per unit for the next Business Day (T+1).

However, you should note that the switch-in may be processed at a later Business Day, generally within one (1) to four (4) Business Day.

Table below shows the charges that you may directly incur when you buy or withdraw from IMMF.

Table below shows the charges that you may indirectly incur when you invest in IMMF.

If you invest via the “Invest” feature, please refer to the Fund information in the Investment Platform. Alternatively, please go to https://bit.ly/FundList and search for the fund name.

For Save feature
No, you will not be charged any fees on your  Cash In. 

For Invest feature
You will be incurred a sales charge of up to 1.5% for every Cash In. 

Please do check back from time-to-time for any future updates.

No.

There are two ways to update your personal details:

1. You can update your personal details in the Investment Platform's profile except your Name and NRIC, where you to need to update through Customer Care Centre.
2. You may chat with Principal’s Customer Care Centre via WhatsApp, call at +(603) 7723 7260, or email your queries to goinvest@principal.com.my

Please take note that the operating hours are during business hour between Monday to Friday, 8.45am – 5.45pm (except on Kuala Lumpur and national public holidays). 

To update, you can click on the “Profile” icon on the top right of the Touch ‘n Go eWallet homepage. Alternatively, you can submit the correct details at https://tngd.my/careline-webform.
 

No, not at this time. You need to update your personal details in the Investment Platform's profile except your Name and NRIC, where you to need to update through Customer Care Centre.

You may chat with Principal’s Customer Care Centre via WhatsApp, call at +(603) 7723 7260, or email your queries to goinvest@principal.com.my

Please take note that the operating hours are during business hour between Monday to Friday, 8.45am – 5.45pm (except on Kuala Lumpur and national public holidays). 

A cooling-off period is a period of six (6) business days from the first successful Cash In by a first-time investor of the Fund, during which that investor has the right to request for a full refund of the first Cash In amount. The cooling-off period ceases to apply once there is a redemption.
  

First-time investors of the Fund, excluding Principal Malaysia employees or a person registered with a body approved by the SC to deal in unit trusts.
 

Please call Principal’s Customer Care Centre at +(603) 7723 7260, chat via WhatsApp or email to goinvest@principal.com.my; you will be advised and guided on how to perform the cooling-off request.

Please take note that the operating hours are during business hour between Monday to Friday, 8.45am – 5.45pm (except on Kuala Lumpur and national public holidays). 

We will pay the Refund Amount including the Application Fee (if any) to you within seven (7) Business Days from the day we receive the complete documentations.

No, the cooling-off period is only applicable to your first Cash In into the Fund via the Investment Platform.

Yes.

No, you are not able to transfer at this point of time.

No, you are not able to switch at this point of time.

Yes. You can view your Cash In and Cash Out in transaction history and goal’s details screen. 

Your transaction history will include details of your Cash In, Cash Out and Income Distribution.

Income derived by the Fund which is distributed to investors based on distribution policy. 

The distribution policy is monthly depending on the level of income (if any) the Fund generates.
 

Income earned by the Fund during the financial year is accrued in its unit’s price until the end of the distribution period. When an income distribution is declared, any interest income and realized capital profits are paid to unit holders. Consequently, the Fund's net asset value per unit, and therefore the application (offer) and withdrawal (bid) prices will tend to fall by approximately the same amount as the income distribution.

Monthly Auto Cash In is an investment plan that allows you to invest a fixed amount into GOinvest on a monthly basis. 

By investing in a fixed amount every month (using dollar-cost averaging concept), you will enjoy a  simple and a hassle-free way to start investing on a regular basis to meet your financial goals.  

You can apply or setup monthly Auto Cash In using your preferred bank account after setting up a goal before you complete your Cash In.

Your Auto Cash In enrolment will be effective within 2 business days, subject to your bank’s approval.

The minimum investment amount for monthly Auto Cash In is RM500.

You can make online payment via FPX.

If you wish to save and/or invest on a regular basis, you will need to setup monthly Auto Cash in for each goal and/or fund.

You can edit or cancel your monthly Auto Cash In after your initial Auto Cash In is successfully setup. This can be done through the Edit Auto Cash In option.

The amount will be deducted monthly from your bank account on the preferred date you’ve setup. 

The monthly Auto Cash In will be deducted directly from your bank account on a date you select. If it falls on a Saturday, Sunday or Public Holiday, the deduction will happen on the next business day.

You will not incur any charges on the monthly deduction. 

This could be due to the following reasons:
a)    Insufficient amount in your bank account, or
b)    Bank account is not registered under your name, or
c)    Transactions in your preferred bank account has been blocked/suspended by your respective Bank

A pre-authorisation fee is a temporary hold of funds on your bank account which will be refunded to you. 

It is to ensure that the bank account selected for the Auto Cash In is active and valid for the monthly deduction.

The pre-authorisation fee’s amount is RM1.

The RM1 pre-authorisation fee will be automatically refunded within 2 business days. Should you not receive the refund within stipulated time, you may chat with Principal’s Customer Care Centre via WhatsApp, call at +(603) 7723 7260, or email your queries to goinvest@principal.com.my

Please take note that the operating hours are during business hour between Monday to Friday, 8.45am – 5.45pm (except on Kuala Lumpur and national public holidays). 

Touch ‘n Go eWallet assures that your personal details will not be shared or sold to any other parties, in accordance with the Personal Data Protection Act 2010. However, by signing up for the Investment Platform, you have given consent for the required personal details to be shared with Principal to facilitate account opening and operating the investment account. 

You may read more about Touch ‘n Go eWallet privacy policy at https://www.tngdigital.com.my/tng-group-s-privacy-statement and Principal Malaysia’s privacy notice at https://www.principal.com.my/en/privacy-notice-my. 
 

• Ensure that you have activated your smartphone auto-lock-screen.
• Do not share your 6 Digit PIN with anyone.
• Do not share your OTP with anyone. Keep your OTP details safe.

• Step 1: Contact the Touch ‘n Go eWallet Careline at 03-5022 3888 to suspend your Touch ‘n Go eWallet account immediately. This is to protect your balance in your Touch ‘n Go eWallet account.
• Step 2: Contact your mobile service provider to block your SIM card immediately, to prevent any attempt