The Sub-Manager will construct a glide path that will guide the asset allocation of the Fund over the Fund’s tenure until its Target Date. In constructing the glide path, the Sub-Manager will take into consideration various factors such as the human elements (e.g., Malaysian retirement landscape, life expectancy, average retirement age etc.) and market data (e.g., long term capital market assumption, market liquidity, inflation rate, interest rate etc.). The Fund’s asset allocation will be guided by the glide path and it will shift dynamically and progressively from a more aggressive mix to a more conservative mix as the Fund approaches its Target Date. This gradual shift over time aims to produces an ideal asset allocation that rebalances throughout the tenure of the TDF that corresponds with investors’ risk tolerance as they grow nearer to the Retirement Age, where investor will always be investing in an age-appropriate asset mix as they grow nearer to Retirement Age.

Currently, the Sub-Manager will seek exposure to the various asset classes by investing in CIS (including ETF and REITs) to achieve greater market exposure, diversification and for cost efficiency purposes. At any point in time in the future, the Manager may invest directly into the various asset classes as the Manager deem appropriate and at the Manager’s discretion. When deemed necessary, the Fund may also utilize derivative instruments such as futures contracts and currency forwards for hedging purposes, subject to the prevailing GPRS.

As part of the seamless Principal PRS end-to-end retirement solution, when the Fund matures on its Target Date, all Members of the Fund will be switched automatically into the Principal RetireEasy Income to begin the decumulation journey.  You will be informed accordingly after the automatic switching is completed.

• up to 40% of the Fund’s NAV may be invested in Unrated Debt Securities; and
• up to 10% of the Fund’s NAV may be invested in unlisted securities.

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.

• wants to invest in a diversified 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.

Under the Do-It-For-Me (Default Option), this Fund is selected for Member who are born in year 1996 – 2005.

The Sub-Manager will construct a glide path that will guide the asset allocation of the Fund over the Fund’s tenure until its Target Date. In constructing the glide path, the Sub-Manager will take into consideration various factors such as the human elements (e.g., Malaysian retirement landscape, life expectancy, average retirement age etc.) and market data (e.g., long term capital market assumption, market liquidity, inflation rate, interest rate etc.). The Fund’s asset allocation will be guided by the glide path and it will shift dynamically and progressively from a more aggressive mix to a more conservative mix as the Fund approaches its Target Date. This gradual shift over time aims to produces an ideal asset allocation that rebalances throughout the tenure of the TDF that corresponds with investors’ risk tolerance as they grow nearer to the Retirement Age, where investor will always be investing in an age-appropriate asset mix as they grow nearer to Retirement Age.

Currently, the Sub-Manager will seek exposure to the various asset classes by investing in CIS (including ETF and REITs) to achieve greater market exposure, diversification and for cost efficiency purposes. At any point in time in the future, the Manager may invest directly into the various asset classes as the Manager deem appropriate and at the Manager’s discretion. When deemed necessary, the Fund may also utilize derivative instruments such as futures contracts and currency forwards for hedging purposes, subject to the prevailing GPRS.

As part of the seamless Principal PRS end-to-end retirement solution, when the Fund matures on its Target Date, all Members of the Fund will be switched automatically into the Principal RetireEasy Income to begin the decumulation journey. You will be informed accordingly after the automatic switching is completed.

• up to 40% of the Fund’s NAV may be invested in Unrated Debt Securities; and
• up to 10% of the Fund’s NAV may be invested in unlisted securities.

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.

• wants to invest in a diversified 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.

Under the Do-It-For-Me (Default Option), this Fund is selected for Member who are born in year 1986 – 1995.

The Sub-Manager will construct a glide path that will guide the asset allocation of the Fund over the Fund’s tenure until its Target Date. In constructing the glide path, the Sub-Manager will take into consideration various factors such as the human elements (e.g., Malaysian retirement landscape, life expectancy, average retirement age etc.) and market data (e.g., long term capital market assumption, market liquidity, inflation rate, interest rate etc.). The Fund’s asset allocation will be guided by the glide path and it will shift dynamically and progressively from a more aggressive mix to a more conservative mix as the Fund approaches its Target Date. This gradual shift over time aims to produces an ideal asset allocation that rebalances throughout the tenure of the TDF that corresponds with investors’ risk tolerance as they grow nearer to the Retirement Age, where investor will always be investing in an age-appropriate asset mix as they grow nearer to Retirement Age.

Currently, the Sub-Manager will seek exposure to the various asset classes by investing in CIS (including ETF and REITs) to achieve greater market exposure, diversification and for cost efficiency purposes. At any point in time in the future, the Manager may invest directly into the various asset classes as the Manager deem appropriate and at the Manager’s discretion. When deemed necessary, the Fund may also utilize derivative instruments such as futures contracts and currency forwards for hedging purposes, subject to the prevailing GPRS.

As part of the seamless Principal PRS end-to-end retirement solution, when the Fund matures on its Target Date, all Members of the Fund will be switched automatically into the Principal RetireEasy Income to begin the decumulation journey. You will be informed accordingly after the automatic switching is completed.

• up to 40% of the Fund’s NAV may be invested in Unrated Debt Securities; and
• up to 10% of the Fund’s NAV may be invested in unlisted securities.

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.

• wants to invest in a diversified 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.

Under the Do-It-For-Me (Default Option), this Fund is selected for Member who are born in year 1976 – 1985.

The Sub-Manager will construct a glide path that will guide the asset allocation of the Fund over the Fund’s tenure until its Target Date. In constructing the glide path, the Sub-Manager will take into consideration various factors such as the human elements (e.g., Malaysian retirement landscape, life expectancy, average retirement age etc.) and market data (e.g., long term capital market assumption, market liquidity, inflation rate, interest rate etc.). The Fund’s asset allocation will be guided by the glide path and it will shift dynamically and progressively from a more aggressive mix to a more conservative mix as the Fund approaches its Target Date. This gradual shift over time aims to produces an ideal asset allocation that rebalances throughout the tenure of the TDF that corresponds with investors’ risk tolerance as they grow nearer to the Retirement Age, where investor will always be investing in an age-appropriate asset mix as they grow nearer to Retirement Age.

Currently, the Sub-Manager will seek exposure to the various asset classes by investing in CIS (including ETF and REITs) to achieve greater market exposure, diversification and for cost efficiency purposes. At any point in time in the future, the Manager may invest directly into the various asset classes as the Manager deem appropriate and at the Manager’s discretion. When deemed necessary, the Fund may also utilize derivative instruments such as futures contracts and currency forwards for hedging purposes, subject to the prevailing GPRS.

As part of the seamless Principal PRS end-to-end retirement solution, when the Fund matures on its Target Date, all Members of the Fund will be switched automatically into the Principal RetireEasy Income to begin the decumulation journey. You will be informed accordingly after the automatic switching is completed.

• up to 40% of the Fund’s NAV may be invested in Unrated Debt Securities; and
• up to 10% of the Fund’s NAV may be invested in unlisted securities.

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.

• wants to invest in a diversified 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.

Under the Do-It-For-Me (Default Option), this Fund is selected for Member who are born in year 1968 – 1975

Note: The PRS Provider will require Member approval if there is any material change to the Fund’s objective.

• up to 40% of the Fund’s NAV may be invested in Unrated Bonds; and
• up to 10% of the Fund’s NAV may be invested in unlisted securities.

Please note that the Fund’s 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 target return above were set based on current market environment and asset allocation mix. As the Fund 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 Product Highlights Sheet (PHS).

• wants a decumulation solution that is straightforward and easy to understand;
• wants to invest in a fund that offers appropriate risk and return (i.e., moderately conservative) for retirees.
• wants a portfolio that invest in multi assets globally.
• have reached Retirement Age and require a steady stream of income from enrolling in RWP..

Under the Do-It-For-Me (Default Option), this Fund is selected for Member who are born on or before year 1967.

The Sub-Manager will construct a glide path that will guide the asset allocation of the Fund over the Fund’s tenure until its Target Date. In constructing the glide path, the Sub-Manager will take into consideration various factors such as the human elements (e.g., Malaysian retirement landscape, life expectancy, average retirement age etc.) and market data (e.g., long term capital market assumption, market liquidity, inflation rate, interest rate etc.). The Fund’s asset allocation will be guided by the glide path and it will shift dynamically and progressively from a more aggressive mix to a more conservative mix as the Fund approaches its Target Date. This gradual shift over time aims to produces an ideal asset allocation that rebalances throughout the tenure of the TDF that corresponds with investors’ risk tolerance as they grow nearer to the Retirement Age, where investor will always be investing in an age-appropriate asset mix as they grow nearer to Retirement Age.

Currently, the Sub-Manager will seek exposure to the various asset classes by investing in Islamic CIS (including Islamic ETF and Islamic REITs) to achieve greater market exposure, diversification and for cost efficiency purposes. At any point in time in the future, the Manager may invest directly into the various asset classes as the Manager deem appropriate and at the Manager’s discretion. When deemed necessary, the Fund may also utilize Islamic derivative instruments such as Islamic futures contracts and Islamic currency forwards for hedging purposes, subject to the prevailing GPRS.

As part of the seamless Principal PRS end-to-end retirement solution, when the Fund matures on its Target Date, all Members of the Fund will be switched automatically into the Principal Islamic RetireEasy Income to begin the decumulation journey. You will be informed accordingly after the automatic switching is completed.

• 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.

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.

• 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.

Under the Do-It-For-Me (Default Option), this Fund is selected for Member who are born in year 1996 – 2005.

The Sub-Manager will construct a glide path that will guide the asset allocation of the Fund over the Fund’s tenure until its Target Date. In constructing the glide path, the Sub-Manager will take into consideration various factors such as the human elements (e.g., Malaysian retirement landscape, life expectancy, average retirement age etc.) and market data (e.g., long term capital market assumption, market liquidity, inflation rate, interest rate etc.). The Fund’s asset allocation will be guided by the glide path and it will shift dynamically and progressively from a more aggressive mix to a more conservative mix as the Fund approaches its Target Date. This gradual shift over time aims to produces an ideal asset allocation that rebalances throughout the tenure of the TDF that corresponds with investors’ risk tolerance as they grow nearer to the Retirement Age, where investor will always be investing in an age-appropriate asset mix as they grow nearer to Retirement Age.

Currently, the Sub-Manager will seek exposure to the various asset classes by investing in Islamic CIS (including Islamic ETF and Islamic REITs) to achieve greater market exposure, diversification and for cost efficiency purposes. At any point in time in the future, the Manager may invest directly into the various asset classes as the Manager deem appropriate and at the Manager’s discretion. When deemed necessary, the Fund may also utilize Islamic derivative instruments such as Islamic futures contracts and Islamic currency forwards for hedging purposes, subject to the prevailing GPRS.

As part of the seamless Principal PRS end-to-end retirement solution, when the Fund matures on its Target Date, all Members of the Fund will be switched automatically into the Principal Islamic RetireEasy Income to begin the decumulation journey. You will be informed accordingly after the automatic switching is completed.

• 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.

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.

• 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.

Under the Do-It-For-Me (Default Option), this Fund is selected for Member who are born in year 1986 – 1995.

The Sub-Manager will construct a glide path that will guide the asset allocation of the Fund over the Fund’s tenure until its Target Date. In constructing the glide path, the Sub-Manager will take into consideration various factors such as the human elements (e.g., Malaysian retirement landscape, life expectancy, average retirement age etc.) and market data (e.g., long term capital market assumption, market liquidity, inflation rate, interest rate etc.). The Fund’s asset allocation will be guided by the glide path and it will shift dynamically and progressively from a more aggressive mix to a more conservative mix as the Fund approaches its Target Date. This gradual shift over time aims to produces an ideal asset allocation that rebalances throughout the tenure of the TDF that corresponds with investors’ risk tolerance as they grow nearer to the Retirement Age, where investor will always be investing in an age-appropriate asset mix as they grow nearer to Retirement Age.

Currently, the Sub-Manager will seek exposure to the various asset classes by investing in Islamic CIS (including Islamic ETF and Islamic REITs) to achieve greater market exposure, diversification and for cost efficiency purposes. At any point in time in the future, the Manager may invest directly into the various asset classes as the Manager deem appropriate and at the Manager’s discretion. When deemed necessary, the Fund may also utilize Islamic derivative instruments such as Islamic futures contracts and Islamic currency forwards for hedging purposes, subject to the prevailing GPRS.

As part of the seamless Principal PRS end-to-end retirement solution, when the Fund matures on its Target Date, all Members of the Fund will be switched automatically into the Principal Islamic RetireEasy Income to begin the decumulation journey. You will be informed accordingly after the automatic switching is completed.

• 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.

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.

• 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.

Under the Do-It-For-Me (Default Option), this Fund is selected for Member who are born in year 1976 – 1985.

The Sub-Manager will construct a glide path that will guide the asset allocation of the Fund over the Fund’s tenure until its Target Date. In constructing the glide path, the Sub-Manager will take into consideration various factors such as the human elements (e.g., Malaysian retirement landscape, life expectancy, average retirement age etc.) and market data (e.g., long term capital market assumption, market liquidity, inflation rate, interest rate etc.). The Fund’s asset allocation will be guided by the glide path and it will shift dynamically and progressively from a more aggressive mix to a more conservative mix as the Fund approaches its Target Date. This gradual shift over time aims to produces an ideal asset allocation that rebalances throughout the tenure of the TDF that corresponds with investors’ risk tolerance as they grow nearer to the Retirement Age, where investor will always be investing in an age-appropriate asset mix as they grow nearer to Retirement Age.

Currently, the Sub-Manager will seek exposure to the various asset classes by investing in Islamic CIS (including Islamic ETF and Islamic REITs) to achieve greater market exposure, diversification and for cost efficiency purposes. At any point in time in the future, the Manager may invest directly into the various asset classes as the Manager deem appropriate and at the Manager’s discretion. When deemed necessary, the Fund may also utilize Islamic derivative instruments such as Islamic futures contracts and Islamic currency forwards for hedging purposes, subject to the prevailing GPRS.

As part of the seamless Principal PRS end-to-end retirement solution, when the Fund matures on its Target Date, all Members of the Fund will be switched automatically into the Principal Islamic RetireEasy Income to begin the decumulation journey. You will be informed accordingly after the automatic switching is completed.

• 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.

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.

• 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.

Under the Do-It-For-Me (Default Option), this Fund is selected for Member who are born in year 1968 – 1975.

Note:The PRS Provider will require Member approval if there is any material change to the Fund’s objective.

• At least 85% of the Fund’s NAV will be invested in the Target Fund; and
• Up to 15% of the Fund’s NAV may be invested in Islamic liquid assets for liquidity purpose.

Please note that the Fund’s 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 target return above were set based on current market environment and asset allocation mix. As the Fund 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 Product Highlights Sheet (PHS).

• wants a Shariah-compliant decumulation solution that is straightforward and easy to understand
• wants to invest in an Islamic fund that offers appropriate risk and return (i.e., moderately conservative) for retirees.
• wants a Shariah-compliant portfolio that invest in multi assets globally.
• have reached Retirement Age and require a steady stream of income from enrolling in RWP.

Under the Do-It-For-Me (Default Option), this Fund is selected for Member who are born on or before year 1967.

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.

• At least 10% of the Fund’s NAV will be invested in fixed income instruments;
• Up to 10% of the Fund’s NAV may be invested in unrated fixed income instruments;
• Up to 90% of the Fund’s NAV may be invested in equities; and
• Up to 5% of the Fund’s NAV may be invested in liquid assets for liquidity purpose.

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.

• 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.

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.

• 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;
• Up to 60% of the Fund’s NAV may be invested in equities; and
• Up to 5% of the Fund’s NAV may be invested in liquid assets for liquidity purpose.

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.

• are seeking for capital appreciation;
• are willing to accept some fluctuations 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.

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

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.

• 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;
• Up to 20% of the Fund’s NAV will be invested in equities; and
• Up to 5% of the Fund’s NAV will be invested in liquid assets for liquidity purpose.

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.

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

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.

• Between 70% to 99.8% (both inclusive) of the Fund’s NAV will be invested in equities; and
• At least 0.2% of the Fund’s NAV will be invested in liquid assets for liquidity purpose.

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.

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

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

• At least 85% of the Fund’s NAV will be invested in the Target Fund; and
• Up to 15% of the Fund’s NAV may be invested in liquid assets for liquidity purpose.

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.

• 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.

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.

• At least 10% of the Fund’s NAV will be invested in Sukuk;
• Up to 10% of the Fund’s NAV may be invested in unrated Sukuk;
• Up to 90% of the Fund’s NAV may be invested in Shariah-compliant equities; and
• Up to 5% of the Fund’s NAV may be invested in Islamic liquid assets for liquidity purpose.

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.

• 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.

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.

• At least 40% of the Fund’s NAV will be invested in Sukuk, of which up to 5% of the Fund’s
• NAV may be invested in unrated Sukuk;
• Up to 60% of the Fund’s NAV may be invested in Shariah-compliant equities; and
• Up to 5% of the Fund’s NAV may be invested in Islamic liquid assets for liquidity purpose.

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.

• 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.

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

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.

• 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;
• Up to 20% of the Fund’s NAV may be invested in Shariah-compliant equities; and
• Up to 5% of the Fund’s NAV may be invested in Islamic liquid assets for liquidity purpose

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.

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

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

• At least 85% of the Fund’s NAV will be invested in the Target Fund; and
• Up to 15% of the Fund’s NAV may be invested in Islamic liquid assets for liquidity purpose.

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.

• 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.

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

• At least 85% of the Fund’s NAV will be invested in the Target Fund; and
• Up to 15% of the Fund’s NAV may be invested in liquid assets for liquidity purpose.

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.

• 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.