Unit Trust | Principal Malaysia

Disclaimer

Not an Offer to Sell or a Solicitation to Buy

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.

Acknowledgement

By clicking on “I Agree” below, you will acknowledge and agree with Principal that you:

have read, understood and agree to the above;
are a Malaysian resident and you are accessing the information from within Malaysia; and
agree to the exclusion by Principal of any liability for any loss (direct or otherwise) arising from the use of any part of the information contained in this website, and the exclusion of any liability in respect of any error or omission by Principal and any relevant third party.

I have read and agree to Principal's Terms and Conditions

I Disagree

Select Menu

New fund series help align our investment strategies

As one of the largest growing asset managers in ASEAN, we are deeply committed to offering innovative solutions and products to help our investors achieve their long-time goals. In total, Principal offers over 70 funds to help investors diversify their investment portfolios based on their risk tolerance and time horizon in market.

As part of our rebranding effort, we have changed our fund names to reflect our new company name and positioning. We’re proud to introduce five fund series to help investors “quickly” know what to expect for a fund strategy and common features for both our conventional and Islamic funds:

Lifetime Series

These funds aim to provide income payout and apply more conservative investment strategy.

Titans and DALI Series

These funds tend to have lower volatility, since the primary investment focus is on large capitalization companies.

Dynamic Series

These funds allow a fund manager the flexibility to change the investment exposure depending on market conditions to help maximise earnings potential.

Opportunities Series

These funds follow an aggressive investment strategy. Our investor’s with higher risk tolerance and longer time horizons for needing funds will find benefits in this series.

PRS Plus Series

These funds have been approved for inclusion for voluntary savings for retirement through the Private Retirement Scheme and cover a variety of risk classes.

We also have a variety of funds that fall outside of our new series

ETF Funds

Feeder Funds & Sub-Managed Funds

Other Funds

^{*EPF-MIS funds}

We thank you for your continuous support and please be rest assured that we are committed to helping you navigate during these trying times. Please reach out to us for any assistance or enquiries.

Unit trust fund, also known as managed investment, allow you to pool your money with that of many other investors so that the unit trust fund can buy a wide range of investments managed by a professional team. This includes investments which may not ordinarily be available to you through direct investment such as large commercial properties and corporate bonds.

What type of investor are you? These 7 easy questions may tell you. Click here to find out.

Once you have decide to invest, you have a choice of investing directly or through a unit trust fund. Which method is appropriate may well depend on your individual investment needs, however, using professional fund managers can generally provide better returns over the long-term.

Fund managers tend to outperform individual investors because:

Their portfolios are constructed using a defined and consistent investment philosophy;
Fund managers have a far greater access to quality information including company contacts, competitors and customers than do individual investors;
Fund managers employ full-time investment professionals to monitor investment markets and the way economic developments affect these markets;
The size of their portfolios generally means that fund managers can more easily reduce risk through greater diversification. They can also reduce risk by implementing sophisticated risk-management techniques involving the use of derivatives; and
Fund managers have the economies of scale to reduce expenses through lower transaction costs. For example, fund managers generally pay much lower commissions to stockbrokers.

Unit trusts are a simple and convenient investment option for people who have a long-term investment horizon but do not have either the time, desire, or expertise to invest directly in financial markets.

Unit trusts can be particularly suitable for smaller, first time investors as they offer the opportunity to establish a broadly diversified portfolio of assets with a relatively small amount of money.

However, larger investors can also benefit from unit trusts as they provide access to the expertise of professional investment managers.

When you invest in a unit trust fund, your money buys 'units' in that fund, at a price that is struck for that particular day. Over the period in which you invest, the unit trust price will move up and down as the value of the investments with the unit trust fund rise or fall. Returns from a unit trust fund are typically calculated based on movements in the bid (or withdrawal) unit trust price and assume any income distributions paid to investors are reinvested in the fund as additional units.

EPF-MIS Calculator

Balance in Account 1

Amount that can be invested

Age (Years)	Basic Savings (RM)	Age (Years)	Basic Savings (RM)
18	2,000	37	68,000
19	4,000	38	74,000
20	6,000	39	80,000
21	8,000	40	86,000
22	10,000	41	93,000
23	13,000	42	101,000
24	15,000	43	108,000
25	18,000	44	116,000
26	21,000	45	125,000
27	24,000	46	134,000
28	27,000	47	144,000
29	31,000	48	154,000
30	35,000	49	164,000
31	39,000	50	175,000
32	43,000	51	187,000
33	47,000	52	199,000
34	52,000	53	212,000
35	57,000	54	226,000
36	62,000	55	240,800