Unit Trust | Principal Malaysia

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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.

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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.

Conventional funds
- Principal Lifetime Bond Fund (formerly known as CIMB-Principal Bond Fund)*
- Principal Lifetime Balanced Income Fund (formerly known as CIMB-Principal Balanced Income Fund)*
- Principal Lifetime Enhanced Bond Fund (formerly known as CIMB-Principal Strategic Bond Fund)
- Principal Lifetime Balanced Fund (formerly known as CIMB-Principal Balanced Fund)*

Islamic Funds
- Principal Islamic Lifetime Balanced Fund (formerly known as CIMB Islamic Balanced Fund)*
- Principal Islamic Lifetime Balanced Growth Fund (formerly known as CIMB Islamic Balanced Growth Fund)
- Principal Islamic Lifetime Enhanced Sukuk Fund (formerly known as CIMB Islamic Enhanced Sukuk Fund)*
- Principal Islamic Lifetime Sukuk Fund (formerly known as CIMB Islamic Sukuk Fund)*

Titans and DALI Series

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

Conventional funds
- Principal Global Titans Fund (formerly known as CIMB-Principal Global Titans Fund)*
- Principal Malaysia Titans Plus Fund (formerly known as CIMB-Principal Malaysia Equity Fund)*
- Principal Asia Titans Fund (formerly known as CIMB-Principal Asian Equity Fund)*
- Principal Titans Growth & Income Fund (formerly known as CIMB-Principal Equity Growth & Income Fund)*
- Principal Malaysia Titans Fund (formerly known as CIMB-Principal Equity Fund)
- Principal Titans Income Plus Fund (formerly known as CIMB-Principal Equity Income Fund)

Islamic Funds
- Principal DALI Equity Growth Fund (formerly known as CIMB Islamic DALI Equity Growth Fund)*
- Principal DALI Equity Fund (formerly known as CIMB Islamic DALI Equity Fund)*
- Principal DALI Asia Pacific Equity Growth Fund (formerly known as CIMB Islamic DALI Asia Pacific Equity Growth Fund)
- Principal DALI Global Equity Fund (formerly known as CIMB Islamic Global Equity Fund)

Dynamic Series

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

Conventional funds
- Principal Asia Pacific Dynamic Income Fund (formerly known as CIMB-Principal Asia Pacific Dynamic Income Fund)*
- Principal Asia Pacific Dynamic Growth Fund (formerly known as CIMB-Principal Asia Pacific Dynamic Growth Fund)
- Principal Asia Pacific Dynamic Mixed Asset Fund (formerly known as CIMB-Principal Asia Pacific Dynamic Mixed Asset Fund)
- Principal ASEAN Dynamic Fund (formerly known as CIMB-Principal ASEAN Total Return Fund)
- Principal Dynamic Growth Fund (formerly known as CIMB-Principal Dynamic Growth Fund)
- Principal Dynamic Enhanced Malaysia Income Fund (formerly known as CIMB-Principal Income Plus Balanced Fund)*
- Principal Asia Dynamic Bond Fund (formerly known as CIMB-Principal Asian Dynamic Bond Fund)

Islamic Funds
- Principal Islamic Asia Pacific Dynamic Equity Fund (formerly known as CIMB Islamic Asia Pacific Equity Fund)*

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.

Conventional funds
- Principal Malaysia Enhanced Opportunities Fund (formerly known as CIMB-Principal Equity Aggressive Fund 1)*
- Principal Malaysia Opportunities Fund (formerly known as CIMB-Principal Equity Aggressive Fund 3)*
- Principal Small Cap Opportunities Fund (formerly known as CIMB-Principal Small Cap Fund)
- Principal China Direct Opportunities Fund (formerly known as CIMB-Principal China Direct Opportunities Fund)
- Principal China-India-Indonesia Opportunities Fund (formerly known as CIMB-Principal China-India-Indonesia Equity Fund)

Islamic Funds
- Principal Islamic Malaysia Opportunities Fund (formerly known as CIMB Islamic Al-Azzam Equity Fund)*
- Principal Islamic Enhanced Opportunities Fund (formerly known as CIMB Islamic Equity Aggressive Fund)*
- Principal Islamic Small Cap Opportunities Fund (formerly known as CIMB Islamic Small Cap Fund)
- Principal DALI Opportunities Fund (formerly known as CIMB Islamic DALI Equity Theme Fund)

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.

Conventional funds
- Principal PRS Plus Conservative (formerly known as CIMB-Principal PRS Plus Conservative)
- Principal PRS Plus Moderate (formerly known as CIMB-Principal PRS Plus Moderate)
- Principal PRS Plus Growth (formerly known as CIMB-Principal PRS Plus Growth)
- Principal PRS Plus Equity (formerly known as CIMB-Principal PRS Plus Equity)
- Principal PRS Plus Asia Pacific Ex Japan Equity (formerly known as CIMB-Principal PRS Plus Asia Pacific Ex Japan Equity)

Islamic Funds
- Principal Islamic PRS Plus Conservative (formerly known as CIMB Islamic PRS Plus Conservative)
- Principal Islamic PRS Plus Moderate (formerly known as CIMB Islamic PRS Plus Moderate)
- Principal Islamic PRS Plus Growth (formerly known as CIMB Islamic PRS Plus Growth)
- Principal Islamic PRS Plus Equity (formerly known as CIMB Islamic PRS Plus Equity)
- Principal Islamic PRS Plus Asia Pacific Ex Japan Equity (formerly known as CIMB Islamic PRS Plus Asia Pacific Ex Japan Equity)

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

ETF Funds

- Principal FTSE ASEAN 40 Malaysia (formerly known as CIMB FTSE ASEAN 40 Malaysia)
- Principal FTSE China 50 ETF (formerly known as CIMB FTSE China 50)

Feeder Funds & Sub-Managed Funds

Other Funds

Conventional funds
- Principal KLCI-Linked Fund (formerly known as CIMB-Principal KLCI-Linked Fund)*
- Principal Conservative Bond Fund (formerly known as CIMB-Principal Conservative Bond Fund)
- Principal Money Market Income Fund (formerly known as CIMB-Principal Money Market Income Fund)
- Principal Deposit Fund (formerly known as CIMB-Principal Deposit Fund)*
- Principal Deposit Fund 2 (formerly known as CIMB-Principal Deposit Fund 2)
- Principal Institutional Bond Fund 2 (formerly known as CIMB-Principal Institutional Bond Fund 2)

Islamic Funds
- Principal Islamic Money Market Fund (formerly known as CIMB Islamic Money Market Fund)*
- Principal Islamic Deposit Fund (formerly known as CIMB Islamic Deposit Fund)
- Principal Islamic Deposit Fund 2 (formerly known as CIMB Islamic Deposit Fund 2)

^{*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