PRINCIPAL ASSET MANAGEMENT BERHAD

(formerly known as CIMB-Principal Asset Management Berhad)

CORPORATE INFORMATION

Principal Asset Management Berhad (formerly known as CIMB-Principal Asset Management Berhad), is a joint venture between Principal Financial Group®, a member of the FORTUNE 500® and a Nasdaq-listed global financial services and CIMB Group Holdings Berhad, one of Southeast Asia’s leading universal banking groups. With innovative ideas and real-life solutions, the company helps make financial progress towards a more secure financial future possible for clients of all income and portfolio sizes.

Principal has the widest range of PRS funds and the only Asia Pacific ex Japan Equity funds in the country. The conventional and Shariah-compliant PRS Plus won Most Innovative and Best Islamic Product respectively from Asia Asset Management for Malaysia.

For detail information on the PRS, please refer to the PRS Provider’s Disclosure Document & Product Highlights Sheet here

SCHEME AND FUND INFORMATION

Default & Self Selection

Principal PRS Plus Scheme Trustee: Deutsche Trustees Malaysia Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click on links below to go to PRS Provider’s page:

  • Principal PRS Plus
  • Principal Islamic Plus
Investment Objective The Fund seeks to provide members with capital preservation* through investment primarily in fixed income instruments.

*The Fund is neither a capital guaranteed fund nor a capital protected fund.

Fund Category Core (Conservative).
Investment Strategy The Fund aims to invest in a diversified portfolio of primarily fixed income instruments with some exposure in equities. The fixed income portion will provide capital stability to the Fund whilst the equity portion will provide the added return in a rising market. The Fund may opt to invest in fixed income instruments, money market instruments and equities either directly or via CIS.

At least 80% of the Fund’s NAV will be invested in local and/or foreign fixed income instruments and money market instruments, of which a minimum 20% of the Fund’s NAV will be invested in money market instruments, all of which have a minimum credit rating of “BBB3” or “P2” by RAM or equivalent rating by MARC or “BBB” or “A- 2” by S&P or equivalent rating by any other international rating agencies. Notwithstanding, the Fund may invest up to 5% of its NAV in unrated fixed income instruments. The investments in equities which include foreign exposure shall not exceed 20% of the Fund’s NAV.

Asset Allocation
  1. At least 80% of the Fund’s NAV will be invested in fixed income instruments and money market instruments, of which a minimum 20% of the Fund’s NAV will be invested in money market instruments and up to 5% of the Fund’s NAV may be invested in unrated fixed income instruments;
  2. Up to 20% of the Fund’s NAV will be invested in equities; and
  3. Up to 5% of the Fund’s NAV will be invested in liquid assets for liquidity purpose.
Performance Benchmark 60% Quant shop MGS Short Index + 20% CIMB Bank 1-Year Fixed Deposit Rate + 20% FTSE Bursa Malaysia Top 100.

Note: The Fund’s benchmark is for performance comparison purpose only. The risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

  • are risk averse; and/or
  • are seeking capital preservation.

Where the Member is in the Default Option, this Fund is selected for a Member who is 55 years and above.

Principal Islamic PRS Plus Scheme Trustee: Deutsche Trustees Malaysia Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click on links below to go to PRS Provider’s page:

  • Principal PRS Plus
  • Principal Islamic Plus
Investment Objective The Fund seeks to provide Members with capital preservation* through investment primarily in sukuk.

* The Fund is neither a capital guaranteed fund nor a capital protected fund.

Fund Category Core (Conservative).
Investment Strategy The Fund aims to invest in a diversified portfolio of primarily Sukuk with some exposure in Shariah-compliant equities. The fixed income portion will provide capital stability to the Fund whilst the equity portion will provide the added return in a rising market. The Fund may opt to invest in Sukuk, Islamic money market instruments and Shariah-compliant equities either directly or via Islamic CIS.

At least 80% of the Fund’s NAV will be invested in local and/or foreign Sukuk and Islamic money market instruments, of which a minimum 20% of the Fund’s NAV will be invested in Islamic money market instruments, all of which have a minimum credit rating of “BBB3” or “P2” by RAM or equivalent rating by MARC or “BBB” or “A-2” by S&P or equivalent rating by any other international rating agencies. Notwithstanding, the Fund may also invest up to 5% of its NAV in unrated Sukuk. The investments in Shariah-compliant equities which include foreign exposure shall not exceed 20% of the Fund’s NAV.

Asset Allocation
  1. At least 80% of the Fund’s NAV will be invested in Sukuk and Islamic money market instruments, of which a minimum 20% of the Fund’s NAV will be invested in Islamic money market instruments and up to 5% of the Fund’s NAV may be invested in unrated Sukuk;
  2. Up to 20% of the Fund’s NAV may be invested in Shariah-compliant equities; and
  3. Up to 5% of the Fund’s NAV may be invested in Islamic liquid assets for liquidity purpose
Performance Benchmark 60% Quant shop GII Short Index + 20% CIMB Islamic 1-Year General Investment Account-i (GIA) + 20% FTSE Bursa Malaysia EMAS Shariah Index

Note: The Fund’s benchmark is for performance comparison purpose only. The risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

  • want a Shariah-compliant investment
  • are risk averse; and/or
  • are seeking capital preservation.

Where the Member is in the Default Option, this Fund is selected for a Member who is 55 years and above.

Principal PRS Plus Scheme Trustee: Deutsche Trustees Malaysia Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click on links below to go to PRS Provider’s page:

  • Principal PRS Plus
  • Principal Islamic Plus

Investment Objective The Fund seeks to provide a moderate level of capital growth over the long-term by investing in a diversified portfolio of equity and fixed income instruments.
Fund Category Core (Moderate)
Investment Strategy The Fund will invest in a mix of equities and fixed income instruments to provide a moderate level of capital growth to the Fund. The fixed income portion will provide capital stability to the Fund whilst the equity portion will provide the added return in a rising market. The Fund may opt to invest in fixed income instruments and equities either directly or via CIS.

The investments by the Fund in equities which include foreign exposure shall not exceed 60% of the Fund’s NAV and investments in local and/or foreign fixed income instruments shall not be less than 40% of its NAV with a minimum credit rating of “BBB3” or “P2” by RAM or equivalent rating by MARC or “BBB” or “A-2” by S&P or equivalent rating by any other international rating agencies. Notwithstanding, the Fund may also invest up to 5% of its NAV in unrated fixed income instruments.

Asset Allocation
  1. At least 40% of the Fund’s NAV will be invested in fixed income instruments, of which up to 5% of the Fund’s NAV may be invested in unrated fixed income instruments;
  2. Up to 60% of the Fund’s NAV may be invested in equities; and
  3. Up to 5% of the Fund’s NAV may be invested in liquid assets for liquidity purpose.
Performance Benchmark 60% FTSE Bursa Malaysia Top 100 + 40% Quant shop MGS Short Index

Note: The Fund’s benchmark is for performance comparison purpose only. The risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

  • are seeking for capital appreciation;
  • are willing to accept volatility in the value of his/her investment; and/or
  • want a diversified portfolio of equities and Fixed Income Instruments that may have some foreign exposure.

Note: Where the Member is in the Default Option, this Fund is selected for a Member who is 45 years and above but has yet reached 55 years.

Principal Islamic PRS Plus Scheme Trustee: Deutsche Trustees Malaysia Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click on links below to go to PRS Provider’s page:

  • Principal PRS Plus
  • Principal Islamic Plus

Investment Objective The Fund seeks to provide a moderate level of capital growth over the long-term by investing in a diversified portfolio of Shariah-compliant equity and sukuk.
Fund Category Core (Moderate)
Investment Strategy The Fund will invest in a mix of Shariah-compliant equities and Sukuk to provide a moderate level of capital growth to the Fund. The fixed income portion will provide capital stability to the Fund whilst the equity portion will provide the added return in a rising market. The Fund may opt to invest in Sukuk and Shariah-compliant equities either directly or via Islamic CIS.

The investments by the Fund in Shariah-compliant equities which include foreign exposure shall not exceed 60% of the Fund’s NAV and investments in local and/or foreign Sukuk shall not be less than 40% of its NAV with a minimum credit rating of “BBB3” or “P2” by RAM or equivalent rating by MARC or “BBB” or “A-2” by S&P or equivalent rating by any other international rating agencies. Notwithstanding, the Fund may also invest up to 5% of its NAV in unrated Sukuk.

Asset Allocation
  1. At least 40% of the Fund’s NAV will be invested in Sukuk, of which up to 5% of the Fund’s
  2. NAV may be invested in unrated Sukuk;
  3. Up to 60% of the Fund’s NAV may be invested in Shariah-compliant equities; and
  4. Up to 5% of the Fund’s NAV may be invested in Islamic liquid assets for liquidity purpose.
Performance Benchmark 60% FTSE Bursa Malaysia EMAS Shariah Index + 40% Quant shop GII Short Index

The Fund’s benchmark is for performance comparison purpose only. The risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

  • want a Shariah-compliant investment;
  • are willing to accept some fluctuations in the value of his/her investment; and/or
  • want a diversified portfolio of Shariah-compliant equities and Sukuk that may have some foreign exposure.

Note: Where the Member is in the Default Option, this Fund is selected for a Member who is 45 years and above but has yet reached 55 years.

Principal PRS Plus Scheme Trustee: Deutsche Trustees Malaysia Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click on links below to go to PRS Provider’s page:

  • Principal PRS Plus
  • Principal Islamic Plus

Investment Objective The Fund seeks to provide capital growth over the long-term by investing in a portfolio of primarily equities with some exposure in fixed income instruments.
Fund Category Core (Growth)
Investment Strategy The Fund will invest in a portfolio of mixed assets, primarily in equities with some exposure in fixed income instruments, to provide capital growth to the Fund. The fixed income portion will provide capital stability to the Fund whilst the equity portion will provide the added return in a rising market. The Fund may opt to invest in fixed income instruments and equities either directly or via CIS.

The investments by the Fund in equities which include foreign exposure may be up to 90% of the Fund’s NAV and investments in local and/or foreign fixed income instruments will be at least 10% of its NAV with a minimum credit rating of “BBB3” or “P2” by RAM or equivalent rating by MARC or “BBB” or “A-2” by S&P or equivalent rating by any other international rating agencies. Notwithstanding, the Fund may also invest up to 10% of its NAV in unrated fixed income instruments.

Asset Allocation
  1. At least 10% of the Fund’s NAV will be invested in fixed income instruments;
  2. Up to 10% of the Fund’s NAV may be invested in unrated fixed income instruments;
  3. Up to 90% of the Fund’s NAV may be invested in equities; and
  4. Up to 5% of the Fund’s NAV may be invested in liquid assets for liquidity purpose.
Performance Benchmark 70% FTSE Bursa Malaysia Top 100 + 30% Quant shop MGS Short Index

Note: The Fund’s benchmark is for performance comparison purpose only. The risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

  • are seeking for capital appreciation;
  • are willing to accept volatility in the value of his/her investment; and/or
  • want a diversified portfolio of equities and Fixed Income Instruments that may have some foreign exposure.

Note: Where the Member is in the Default Option, this Fund is selected for a Member who is below 45 years.

Principal Islamic PRS Plus Scheme Trustee: Deutsche Trustees Malaysia Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click on links below to go to PRS Provider’s page:

  • Principal PRS Plus
  • Principal Islamic Plus

Investment Objective The Fund seeks to provide capital growth over the long-term by investing in a portfolio of primarily Shariah-compliant equities with some exposure in Sukuk.
Fund Category Core (Growth)
Investment Strategy The Fund will invest in a portfolio of mixed assets, primarily in Shariah-compliant equities with some exposure in Sukuk, to provide capital growth to the Fund. The fixed income portion will provide capital stability to the Fund whilst the equity portion will provide the added return in a rising market. The Fund may opt to invest in Sukuk and Shariah-compliant equities either directly or via Islamic CIS.

The investments by the Fund in Shariah-compliant equities which include foreign exposure may be up to 90% of the Fund’s NAV and investments in local and/or foreign Sukuk will be at least 10% of the Fund’s NAV with a minimum credit rating of “BBB3” or “P2” by RAM or equivalent rating by MARC or “BBB” or “A-2” by S&P or equivalent rating by any other international rating agencies. Notwithstanding, the Fund may also invest up to 10% of its NAV in unrated Sukuk.

Asset Allocation
  1. At least 10% of the Fund’s NAV will be invested in Sukuk;
  2. Up to 10% of the Fund’s NAV may be invested in unrated Sukuk;
  3. Up to 90% of the Fund’s NAV may be invested in Shariah-compliant equities; and
  4. Up to 5% of the Fund’s NAV may be invested in Islamic liquid assets for liquidity purpose.
Performance Benchmark 70% FTSE Bursa Malaysia EMAS Shariah Index + 30% Quant shop GII Short Index

Note: The Fund’s benchmark is for performance comparison purpose only. The risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

  • want a Shariah-compliant investment;
  • are seeking for capital appreciation;
  • are willing to accept volatility in the value of his/her investment; and/or
  • want a diversified portfolio of Shariah-compliant equities and Sukuk that may have some foreign exposure.

Note: Where the Member is in the Default Option, this Fund is selected for a Member who is below 45 years.

Other Self Selection

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click on links below to go to PRS Provider’s page:

  • Principal PRS Plus
  • Principal Islamic Plus

Investment Objective The Fund seeks to provide capital growth over the long-term by investing in the domestic market.
Fund Category Equity
Investment Strategy The Fund is managed to achieve a defined target return over the long-term through investments in the domestic market. The Fund will invest between 70% to 99.8% (both inclusive) of the Fund’s NAV in equities.

However, the Fund may take temporary defensive positions that may detract from the Fund’s prescribed asset allocation when we believe that the equity market is experiencing excessive volatility, expected prolonged declines or when the outlook of the equity market is unfavourable. Under these circumstances, the Fund may reduce its equity exposure and increase its investment in money market instruments to protect the Fund’s investment objective in bearish or non-performing equity market.

Asset Allocation
  1. Between 70% to 99.8% (both inclusive) of the Fund’s NAV will be invested in equities; and
  2. At least 0.2% of the Fund’s NAV will be invested in liquid assets for liquidity purpose.
Performance Benchmark The Fund has a target return of 8% per annum.

This is not a guaranteed return and is only a measurement of the Fund’s performance. The Fund may not achieve the target return in any particular financial year but targets to achieve this growth over the long-term.

Note: The Fund’s benchmark is for performance comparison purpose only. The risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

  • are seeking for capital appreciation; and/or
  • are willing to accept significant fluctuation in the value of his/her investment.

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click on links below to go to PRS Provider’s page:

  • Principal PRS Plus
  • Principal Islamic Plus

Investment Objective The Fund seeks to provide capital growth over the long-term by investing in a target fund with investments in Malaysian securities that comply with the Shariah principles.
Fund Category Feeder Fund – Equity (Shariah-compliant)
Investment Strategy The Fund will invest at least 85% of its NAV in the Principal DALI Equity Growth Fund (formerly known as CIMB Islamic DALI Equity Growth Fund) (“Target Fund”), a Malaysian domiciled fund established on 7 May 1998, which invests in Malaysian Shariah-compliant equities. The Fund may also maintain up to 15% of its NAV in Islamic liquid assets.

Information on the Target Fund
Target Fund : Principal DALI Equity Growth Fund
Target Fund Manager : Principal Asset Management Berhad
Regulatory authority : Securities Commission Malaysia
Country of domicile : Malaysia

Asset Allocation
  1. At least 85% of the Fund’s NAV will be invested in the Target Fund; and
  2. Up to 15% of the Fund’s NAV may be invested in Islamic liquid assets for liquidity purpose.
Performance Benchmark FTSE Bursa Malaysia EMAS Shariah Index.

Note: The Fund’s benchmark is for performance comparison purpose only. The risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

  • want a Shariah-compliant investment;
  • are seeking for capital appreciation; and/or
  • are willing to accept significant fluctuation in the value of his/her investment.

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click on links below to go to PRS Provider’s page:

  • Principal PRS Plus
  • Principal Islamic Plus

Investment Objective The Fund seeks to provide capital growth over the long-term by investing in a target fund with investments in the Asia Pacific ex Japan region.
Fund Category Feeder Fund – Equity
Investment Strategy The Fund will invest at least 85% of its NAV in the Principal Asia Pacific Dynamic Income Fund (formerly known as CIMB-Principal Asia Pacific Dynamic Income Fund) (“Target Fund”), a Malaysian-domiciled fund established on 25 April 2011, which invests in the Asia Pacific ex Japan region. The Fund may also maintain up to 15% of its NAV in liquid assets.

Information on the Target Fund
Target Fund : Principal Asia Pacific Dynamic Income Fund
Target Fund Manager : Principal Asset Management Berhad
Target Fund Sub-Manager : Principal Asset Management (S) Pte Ltd
Regulatory authority : Securities Commission Malaysia
Country of domicile : Malaysia

Asset Allocation
  1. At least 85% of the Fund’s NAV will be invested in the Target Fund; and
  2. Up to 15% of the Fund’s NAV may be invested in liquid assets for liquidity purpose.
Performance Benchmark The Fund has a target return of 8% per annum.

This is not a guaranteed return and is only a measurement of the Fund’s performance. The Fund may not achieve the target return in any particular financial year but targets to achieve this growth over the long-term.

Note: The Fund’s benchmark is for performance comparison purpose only. The risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

  • are seeking for capital appreciation;
  • are willing to accept significant fluctuation in the value of his/her investment; and/or
  • want investments in the Asia Pacific ex Japan region.

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click on links below to go to PRS Provider’s page:

  • Principal PRS Plus
  • Principal Islamic Plus

Investment Objective The Fund seeks to provide capital growth over the long-term by investing in a target fund with investments in the emerging and developed markets of Asia Pacific ex Japan region that comply with the Shariah principles.
Fund Category Feeder Fund – Equity (Shariah-compliant)
Investment Strategy The Fund will invest at least 85% of its NAV in the Principal Islamic Asia Pacific Dynamic Equity Fund (formerly known as CIMB Islamic Asia Pacific Equity Fund) (“Target Fund”), a Malaysian domiciled fund established on 2 June 2006, which invests in Shariah-compliant equities listed on the stock exchanges in the emerging and developed markets of Asia Pacific ex Japan. The Fund may also maintain up to 15% of its NAV in Islamic liquid assets.

Information on the Target Fund
Target Fund : Principal Islamic Asia Pacific Dynamic Equity Fund
Target Fund Manager : Principal Asset Management Berhad
Target Fund Sub-Manager : Principal Asset Management (S) Pte Ltd
Regulatory authority : Securities Commission Malaysia
Country of domicile : Malaysia

Asset Allocation
  1. At least 85% of the Fund’s NAV will be invested in the Target Fund; and
  2. Up to 15% of the Fund’s NAV may be invested in Islamic liquid assets for liquidity purpose.
Performance Benchmark The Fund adheres to the benchmark of the Target Fund. The benchmark of the Target Fund is MSCI AC Asia ex Japan Islamic Index.

Note: The Fund’s benchmark is for performance comparison purpose only. The risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

• want a Shariah-compliant investment;
• are seeking for capital appreciation;
• are willing to accept significant fluctuation in the value of his/her investment; and/or
• want investments in the Asia Pacific ex Japan region.

CONTRIBUTIONS & WITHDRAWALS

There are fees and charges involved and you are advised to consider them before contributing to the scheme.

For all Funds
Class A Class C Class X
Minimum initial contribution RM100 RM100 N/A
Minimum subsequent contribution RM50 RM50 N/A
Minimum withdrawal RM50 or 100 Units RM50 or 100 Units RM100 or 200 Units

FEES & CHARGES

There are fees and charges involved and you are advised to consider them before contributing to the scheme.

For all Funds
Class A Class C Class X
Sales charge 3.00% 0.50% Nil
Redemption charge Nil Nil Nil
Switching fee (between funds in this Scheme) There is no switching fee charged for switching of Funds under the Scheme or switching between funds of different PRS managed by Principal Malaysia. Switching is not allowed between different classes.
Switching Fee (between funds in another PRS managed by Principal Malaysia)
Transfer fee (to another PRS provider) A maximum of RM25 may be charged for each transfer to another PRS provider.

Note: All transaction on the transfer between PRS provider are only allowed for Vested Units.

Annual management fee 1.40% of the Fund’s NAV 1.50% of the Fund’s NAV 1.40% of the Fund’s NAV
Annual scheme trustee fee 0.04% of the Fund’s NAV 0.04% of the Fund’s NAV 0.04% of the Fund’s NAV
Annual PPA administration fee 0.04% of the Fund’s NAV 0.04% of the Fund’s NAV 0.04% of the Fund’s NAV

RISKS DISCLOSURE

You are advised to read the scheme’s disclosure document and understand the risks involved and, if necessary, consult your professional adviser before making contributions.

General Investment Risks

Returns not guaranteed, Legal and regulatory risk, Market risk, Risk associated with default option, Liquidity risk, Inflation risk and Manager risk.

Specific Risks of the Funds

Principal PRS Plus

Principal PRS Plus Conservative Principal PRS Plus Moderate Principal PRS Plus Growth Principal PRS Plus Equity Principal PRS Plus Asia Pacific Ex Japan
Stock specific risk checkmark checkmark checkmark checkmark checkmark
Credit and default risk checkmark checkmark checkmark checkmark checkmark
Interest rate risk checkmark checkmark checkmark checkmark checkmark
Country risk checkmark checkmark checkmark checkmark checkmark
Currency risk checkmark checkmark checkmark checkmark checkmark
Risks associated with investment in warrants/options checkmark checkmark checkmark checkmark checkmark
Risks associated with investment in the Target Fund checkmark checkmark checkmark checkmark checkmark

Principal Islamic PRS Plus

Principal Islamic PRS Plus Conservative Principal Islamic PRS Plus Moderate Principal Islamic PRS Plus Growth Principal Islamic PRS Plus Equity Principal Islamic PRS Plus Asia Pacific Ex Japan
Stock specific risk checkmark checkmark checkmark checkmark checkmark
Credit and default risk checkmark checkmark checkmark checkmark checkmark
Interest rate risk checkmark checkmark checkmark checkmark checkmark
Country risk checkmark checkmark checkmark checkmark checkmark
Currency risk checkmark checkmark checkmark checkmark checkmark
Risks associated with investment in Shariah-complaint warrants/Islamic options checkmark checkmark checkmark checkmark checkmark
Reclassification of Shariah status risk checkmark checkmark checkmark checkmark checkmark
Risks associated with investment in the Target Fund checkmark checkmark checkmark checkmark checkmark

OTHERS

The Fund Investment Performance information is provided by Morningstar. Click here to access the Morningstar webpage.

For more information about Morningstar, go to About Morningstar.

You may contact Principal Asset Management (formerly known as CIMB-Principal Asset Management Berhad) to find out more about PRS Plus:

  • Email: service@principal.com.my
  • Call: (03) 7718 3000 from 8.45am – 5.30pm, Monday to Thursday and 8.45am – 4.45pm, Friday

You can also contact Principal’s authorized distributors for PRS Plus products. Alternatively you can check with your respective human resources (HR) personnel to find out whether your employer participates in the CIMB-Principal PRS Plus Partner Programme.

Visit us at https://www.principal.com.my/prs