Principal PRS Plus

Scheme Trustee: Deutsche Trustees Malaysia Berhad

Principal PRS Plus Conservative

*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 here to go the PRS Provider’s page.

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 Fixed income
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
  • 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.
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.
Risks
Disclosure		 Stock Specific Risk, Credit and default risk, Interest rate risk, Country Risk, Currency Risk, Risks associated with investment in CIS
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