Mutual Fund | Principal Asset Management

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As at date : 30/09/2020 Fund	Year To Date Performance(%)	3 Month (%)	6 Month (%)	1 Year (%)	3 Year (%)	5 Year (%)	10 Year (%)	Since Inception(%)	NAV (THB)	Fund Size (THB million)
Money Market
Principal Daily Treasury Fund (PRINCIPAL TREASURY)	0.28%	0.04%	0.10%	0.53%	0.83%	0.89%	1.50%	1.43%	11.7307	906.10
Benchmark	0.68%	0.11%	0.31%	1.07%	1.30%	1.27%	1.63%	1.56%
Benchmark : STGovBond Index 100%
Principal Value Plus Fund A (PRINCIPAL VF-A)	0.39%	0.03%	0.15%	0.67%	0.99%	1.07%		1.71%	11.8321	123.52
Benchmark	0.68%	0.11%	0.31%	1.07%	1.23%	1.11%		1.29%
Benchmark : STGovBond Index 100%

As at date : 30/09/2020 Fund	Year To Date Performance(%)	3 Month (%)	6 Month (%)	1 Year (%)	3 Year (%)	5 Year (%)	10 Year (%)	Since Inception(%)	NAV (THB)	Fund Size (THB million)
Fixed Income
Principal Daily Fixed Income Fund (PRINCIPAL DAILY FIX)	0.16%	-0.02%	0.01%	0.36%	0.69%	0.76%	1.41%	1.59%	12.3920	39.49
Benchmark	1.88%	0.11%	0.31%	1.99%	4.76%	4.38%	4.32%	4.86%
Benchmark : STGovBond Index 100%
Principal Daily Income Fund A (PRINCIPAL iDAILY-A)	0.39%	0.05%	0.13%	0.71%	1.03%	1.12%		1.66%	11.5018	494.46
Benchmark	1.95%	0.18%	0.39%	2.06%	5.01%	3.66%		3.16%
Benchmark : STGovBond Index 40% + CommercialPaperA-up Index 30% + Avg12MFixed(BBL,KBANK,SCB) 30%
Principal Daily Income Fund R (PRINCIPAL iDAILY-R)	0.39%	0.05%	0.13%	0.71%	1.04%	1.14%		1.68%	11.5162	0.23
Benchmark	1.95%	0.18%	0.39%	2.06%	5.01%	3.66%		3.16%
Benchmark : STGovBond Index 40% + CommercialPaperA-up Index 30% + Avg12MFixed(BBL,KBANK,SCB) 30%
Principal Daily Income Fund D (PRINCIPAL iDAILY-D)	0.39%	0.05%	0.13%	0.71%	1.29%	1.29%		1.81%	10.2992	8.76
Benchmark	1.95%	0.18%	0.39%	2.06%	5.01%	3.66%		3.16%
Benchmark : STGovBond Index 40% + CommercialPaperA-up Index 30% + Avg12MFixed(BBL,KBANK,SCB) 30%
Principal Daily Income Fund I (PRINCIPAL iDAILY-I)	0.44%	0.05%	0.16%	0.79%				1.13%	11.2758	50.40
Benchmark	1.95%	0.18%	0.39%	2.06%				5.08%
Benchmark : STGovBond Index 40% + CommercialPaperA-up Index 30% + Avg12MFixed(BBL,KBANK,SCB) 30%
Principal Core Fixed Income Fund A (PRINCIPAL iFIXED-A)	0.74%	0.35%	0.03%	1.26%	1.81%	1.94%		2.54%	12.1653	758.12
Benchmark	2.02%	0.04%	0.44%	2.13%	4.94%	3.93%		3.98%
Benchmark : GovBond 1-3Yrs NTR Index 50% + MTMCorpA-up 1-3Yrs NTR Index 25% + Avg12MFixed(BBL,KBANK,SCB) 25%
Principal Core Fixed Income Fund R (PRINCIPAL iFIXED-R)	0.74%	0.35%	0.03%	1.26%	1.82%	1.94%		2.56%	12.1812	31.28
Benchmark	2.02%	0.04%	0.44%	2.13%	4.94%	3.93%		3.98%
Benchmark : GovBond 1-3Yrs NTR Index 50% + MTMCorpA-up 1-3Yrs NTR Index 25% + Avg12MFixed(BBL,KBANK,SCB) 25%
Principal Daily Income Fund C (PRINCIPAL iDAILY-C)	0.39%	0.05%	0.13%	0.72%	1.29%	1.28%		1.56%	11.6760	10.11
Benchmark	1.95%	0.18%	0.39%	2.06%	5.01%	3.66%		3.32%
Benchmark : STGovBond Index 40% + CommercialPaperA-up Index 30% + Avg12MFixed(BBL,KBANK,SCB) 30%
Principal Core Fixed Income Fund C (PRINCIPAL iFIXED-C)	0.74%	0.35%	0.03%	1.26%	1.98%	2.04%		3.24%	12.2343	110.06
Benchmark	2.02%	0.04%	0.44%	2.13%	4.94%	3.93%		3.98%
Benchmark : GovBond 1-3Yrs NTR Index 50% + MTMCorpA-up 1-3Yrs NTR Index 25% + Avg12MFixed(BBL,KBANK,SCB) 25%
Principal Daily Income Plus Fund A (PRINCIPAL DPLUS-A)	0.58%	0.23%	0.24%	0.95%	1.28%	1.37%		1.46%	10.8436	6,724.40
Benchmark	1.98%	0.18%	0.41%	2.09%	5.08%	3.81%		3.62%
Benchmark : STGovBond Index 20% + ZRR6M Index 20% + CommercialPaperA-up Index 30% + Avg12MFixed(BBL,KBANK,SCB) 30%
Principal Core Fixed Income Fund for Provident Fund (PRINCIPAL iFIXEDPVD)	0.83%	0.43%	0.08%	1.37%				1.36%	10.1528	4,520.40
Benchmark	1.35%	0.12%	0.61%	1.99%				1.96%
Benchmark : GovBond 1-3Yrs Index 50% + MTMCorpA-up 1-3Yrs Index 25% + Avg12MFixed 25%
Principal Fixed Income Fund (PRINCIPAL FI)	1.25%	0.51%	0.38%	1.91%	2.40%	2.50%	3.04%	2.97%	14.1244	5,998.00
Benchmark	1.52%	0.12%	0.61%	2.34%	2.40%	2.58%	3.22%	3.30%
Benchmark : GovBond 1-3Yrs Index 50% + MTMCorpA-up 1-3Yrs Index 25% + Avg12MFixed(BBL,KBANK,SCB) 25%
Principal Daily Income Plus Fund X (PRINCIPAL DPLUS-X)	0.91%	0.32%	0.45%					1.16%	10.8859	36.55
Benchmark	1.98%	0.18%	0.41%					2.84%
Benchmark : STGovBond Index 20% + ZRR6M Index 20% + CommercialPaperA-up Index 30% + Avg12MFixed(BBL,KBANK,SCB) 30%
Principal Core Fixed Income Fund X (PRINCIPAL iFIXED-X)	1.18%	0.49%	0.32%					1.61%	12.2303	194.25
Benchmark	2.02%	0.04%	0.44%					2.82%
Benchmark : GovBond 1-3Yrs NTR Index 50% + MTMCorpA-up 1-3Yrs NTR Index 25% + Avg12MFixed(BBL,KBANK,SCB) 25%
Principal Daily Income Fund E (PRINCIPAL iDAILY-E)		0.12%	0.31%					0.32%	11.4952	0.57
Benchmark		0.18%	0.39%					0.41%
Benchmark : STGovBond Index 40% + CommercialPaperA-up Index 30% + Avg12MFixed(BBL,KBANK,SCB) 30%

As at date : 30/09/2020 Fund	Year To Date Performance(%)	3 Month (%)	6 Month (%)	1 Year (%)	3 Year (%)	5 Year (%)	Since Inception(%)	NAV (THB)	Fund Size (THB million)
Mixed Assets
Principal Strategic Income Fund (PRINCIPAL SIF)	-4.41%	0.06%	3.35%	-4.91%	3.54%		3.86%	11.7999	2,068.92
Benchmark	-3.22%	-0.07%	5.34%	-4.36%	5.01%		4.90%
Benchmark : GovBond 1-3Yrs NTR Index 30% + MTMCorpA-up 1-3Yrs NTR Index 30% + SET PF&REIT TRI Index 20% + FSTREI TRI Index adjusted with FX hedging cost 10% + FSTREI TRI Index (THB) 10%
Principal Balanced Income R (PRINCIPAL iBALANCED-R)	-6.72%	0.10%	6.53%	-7.03%	-3.28%	2.56%	2.58%	11.9709	97.74
Benchmark	-3.52%	-0.01%	10.40%	-4.96%	0.50%	3.75%	4.07%
Benchmark : GovBond 1-3Yrs NTR Index 40% + SET TRI Index 15% + M1WO index adjusted with FX hedging cost 15% + Gold London PM Fix plus Hedging Cost (USD) 5% + SET PF&REIT TRI Index 12.5% + FSTREI TRI Index adjusted with FX hedging cost 12.5%
Principal Balanced Income C (PRINCIPAL iBALANCED-C)	-6.72%	0.10%	6.53%	-7.09%			-4.92%	12.0137	0.55
Benchmark	-3.52%	-0.01%	10.40%	-4.96%			-0.93%
Benchmark : GovBond 1-3Yrs NTR Index 40% + SET TRI Index 15% + M1WO index adjusted with FX hedging cost 15% + Gold London PM Fix plus Hedging Cost (USD) 5% + SET PF&REIT TRI Index 12.5% + FSTREI TRI Index adjusted with FX hedging cost 12.5%
Principal Balanced Income D (PRINCIPAL iBALANCED-D)		0.10%	6.53%				-6.43%	11.7680	554.94
Benchmark		-0.01%	10.40%				-3.47%
Benchmark : GovBond 1-3Yrs NTR Index 40% + SET TRI Index 15% + M1WO index adjusted with FX hedging cost 15% + Gold London PM Fix plus Hedging Cost (USD) 5% + SET PF&REIT TRI Index 12.5% + FSTREI TRI Index adjusted with FX hedging cost 12.5%

As at date : 30/09/2020 Fund	Year To Date Performance(%)	3 Month (%)	6 Month (%)	1 Year (%)	3 Year (%)	5 Year (%)	10 Year (%)	Since Inception(%)	NAV (THB)	Fund Size (THB million)
Equity
Principal Daily SET 50 Index Fund A (PRINCIPAL SET50-A)	-25.64%	-11.20%	2.46%	-27.04%	-8.24%	-0.44%	3.47%	5.67%	18.0583	40.33
Benchmark	-24.89%	-11.21%	4.99%	-26.00%	-7.28%	0.94%	4.85%	7.30%
Benchmark : SET50 TRI Index 100%
Principal Thai Dynamic Income Equity Fund D (PRINCIPAL TDIF-D)	-17.70%	-5.94%	7.44%	-20.20%	-7.84%			-4.45%	7.2690	332.66
Benchmark	-19.27%	-7.02%	12.06%	-21.66%	-6.68%			-3.41%
Benchmark : SET TRI Index 100%
Principal Equity Dividend Income Fund A (PRINCIPAL iDIV-A)	-19.40%	-4.95%	13.73%	-23.06%	-9.64%	-0.37%		4.26%	14.1685	104.75
Benchmark	-19.27%	-7.02%	12.06%	-21.66%	-6.49%	2.46%		2.04%
Benchmark : SET TRI Index 100%
Principal Equity Dividend Income Fund R (PRINCIPAL iDIV-R)	-19.40%	-4.95%	13.73%	-23.06%	-9.35%	0.13%		4.50%	14.4378	18.99
Benchmark	-19.27%	-7.02%	12.06%	-21.66%	-6.49%	2.46%		2.04%
Benchmark : SET TRI Index 100%
Principal Equity Dividend Income Fund D (PRINCIPAL iDIV-D)	-19.40%	-4.95%	13.73%	-23.05%	-9.44%	-0.38%		4.11%	7.8082	96.80
Benchmark	-19.27%	-7.02%	12.06%	-21.66%	-6.49%	2.46%		2.04%
Benchmark : SET TRI Index 100%
Principal Equity Dividend Income Fund C (PRINCIPAL iDIV-C)	-19.40%	-4.96%	13.73%	-23.06%	-9.42%	-0.26%		0.78%	14.1693	76.98
Benchmark	-19.27%	-7.02%	12.06%	-21.66%	-6.49%	2.46%		0.65%
Benchmark : SET TRI Index 100%
Principal Enhanced Equity Fund D (PRINCIPAL EEF-D)	-24.83%	-7.92%	7.78%	-27.40%	-10.48%	-0.17%	4.68%	6.82%	18.1624	2,130.81
Benchmark	-19.27%	-7.02%	12.06%	-21.66%	-6.68%	1.47%	5.38%	7.79%
Benchmark : SET TRI Index 100%
Principal Dividend Equity Fund (PRINCIPAL DEF)	-18.90%	-4.37%	13.86%	-22.56%	-8.64%	0.40%		5.60%	8.9521	20.58
Benchmark	-19.27%	-7.02%	12.06%	-21.66%	-6.49%	2.46%		1.70%
Benchmark : SET TRI Index 100%
Principal Energy and Petrochemical Index Fund (PRINCIPAL EPIF)	-25.10%	-14.63%	7.90%	-24.71%	-3.85%	7.23%	2.69%	4.31%	9.5426	976.40
Benchmark	-24.55%	-14.22%	9.16%	-24.63%	-4.05%	7.06%	3.39%
Benchmark : EPIF TRI Index 100%
Principal Enhanced Equity Fund X (PRINCIPAL EEF-X)	-24.53%	-7.79%	8.07%					-26.94%	18.2477	32.74
Benchmark	-19.27%	-7.02%	12.06%					-21.34%
Benchmark : SET TRI Index 100%
Principal Daily SET 50 Index Fund E (PRINCIPAL SET50-E)		-11.10%	2.69%					6.63%	18.1001	0.58
Benchmark		-11.21%	4.99%					9.10%
Benchmark : SET50 TRI Index 100%
Principal Thai Dynamic Income Equity Fund X (PRINCIPAL TDIF-X)		-5.42%						-0.49%	7.3434	18.04
Benchmark		-7.02%						-0.08%
Benchmark : SET TRI Index 100%
Principal Thai Dynamic Income Equity Fund C (PRINCIPAL TDIF-C)		-5.83%						-1.27%	7.2856	117.58
Benchmark		-7.02%						-0.08%
Benchmark : SET TRI Index 100%

As at date : 30/09/2020 Fund	Year To Date Performance(%)	3 Month (%)	6 Month (%)	1 Year (%)	3 Year (%)	5 Year (%)	10 Year (%)	Since Inception(%)	NAV (THB)	Fund Size (THB million)
Regional and Global
Principal Global Silver Age Fund (PRINCIPAL GSA)	-4.05%	4.08%	19.62%	4.08%	0.02%			2.47%	11.2945	223.78
Benchmark	6.79%	9.34%	26.57%	13.53%	5.70%			6.64%
Benchmark : M1WO Index (THB) 50% + M1WO index adjusted with FX hedging cost 50%
Principal Global Infrastructure Equity Fund (PRINCIPAL GIF)	-11.40%	-1.85%	5.99%	-9.11%	-1.14%			4.98%	12.5322	468.25
Benchmark	-2.42%	2.73%	9.55%	-2.28%	3.55%			6.04%
Benchmark : HU706478 Index (THB) 50% + HU706478 Index adjusted with FX hedging cost 50%
Principal German Equity Fund (PRINCIPAL GEQ)	-6.73%	4.00%	24.37%	-0.22%	-2.52%			4.00%	11.8116	55.94
Benchmark	1.87%	7.29%	29.80%	9.16%	-3.50%			4.29%
Benchmark : DAXNR Index (THB) 50% + DAXNR Index adjusted with FX hedging cost 50%
Principal Daily China-India-Indo Equity Fund (PRINCIPAL CII)	-4.31%	8.82%	22.76%	0.79%	-2.30%	3.01%		1.67%	11.7769	38.19
Benchmark	-1.56%	9.48%	24.06%	5.54%	-0.59%	5.07%		1.29%
Benchmark : M7CN Index (THB) 33.33% M7IN Index (THB) 33.33% + M7ID Index (THB) 33.33%
Principal Global REITs Fund (PRINCIPAL GREITs)	-17.86%	3.10%	12.22%	-17.47%	-2.39%			-0.88%	8.3069	331.24
Benchmark	-16.34%	3.15%	10.29%	-17.16%	-3.67%			-3.53%
Benchmark : TRNGLU index (THB) 30% + TRNGLU index adjusted with FX hedging cost 30% + RNXG Index (THB) 20% + RNXG Index adjusted with FX hedging cost 20%
Principal Global Opportunity Fund A (PRINCIPAL GOPP-A)	38.47%	19.29%	52.54%	52.36%	20.11%			20.42%	18.6643	3,463.62
Benchmark	6.36%	9.55%	26.66%	13.57%	5.09%			5.46%
Benchmark : M1WD Index (THB) 50% + M1WD index adjusted with FX hedging cost 50%
Principal Vietnam Equity Fund A (PRINCIPAL VNEQ-A)	1.99%	14.36%	40.88%	-5.33%				-6.42%	8.2174	1,312.22
Benchmark	3.80%	15.09%	39.41%	-2.38%				1.00%
Benchmark : VN30TR Index (THB) 100%
Principal Global Fixed Income Fund (PRINCIPAL GFIXED)	0.47%	2.67%	9.69%	1.09%				-2.62%	9.2785	779.60
Benchmark	10.12%	1.94%	1.72%	8.64%				2.58%
Benchmark : LBUSTRUU Index (THB) 50% + LBUSTRUU Index adjusted with FX hedging cost 50%
Principal Asia Pacific Dynamic Income Equity Fund (PRINCIPAL APDI)	2.41%	13.76%	29.48%	10.01%	3.19%	6.65%		8.32%	19.0379	1,732.25
Benchmark	7.10%	10.88%	27.35%	16.79%	2.41%	6.28%		4.91%
Benchmark : M1APJ Index (THB) 50% + M1APJ Index adjusted with FX hedging cost 50%
Principal Global Managed Volatility Equity Fund A (PRINCIPAL GMV-A)	-3.93%	4.80%	11.44%	-1.79%				-0.28%	9.9272	158.66
Benchmark	-0.15%	6.05%	12.98%	4.60%				2.25%
Benchmark : M00IWO$O Index (THB) 50% + M00IWO$O Index adjusted with FX hedging cost 50%
Principal Vietnam Equity Fund I (PRINCIPAL VNEQ-I)	1.99%	14.36%	40.88%	-5.33%				-11.10%	8.2823	369.44
Benchmark	3.80%	15.09%	39.41%	-2.38%				-8.60%
Benchmark : VN30TR Index (THB) 100%
Principal Global Preferred Securities Fund A (PRINCIPAL GPS-A)	-1.93%	3.97%	14.61%	0.01%				2.06%	10.5184	67.64
Benchmark	10.30%	3.00%	8.61%	10.14%				7.06%
Benchmark : BGAUTRUU Index (THB) 50% + BGAUTRUU Index adjusted with FX hedging cost 50%
Principal Japanese Equity Fund (PRINCIPAL JEQ)	11.97%	11.83%	31.46%	23.20%	4.45%	4.98%		5.84%	14.5756	71.88
Benchmark	2.53%	7.49%	16.50%	7.99%	1.01%	3.88%		4.71%
Benchmark : TPXNTR Index (THB) 50% + TPXNTR Index adjusted with FX hedging cost 50%
Principal Korea Equity Fund (PRINCIPAL KEQ)	0.40%	12.21%	30.21%	6.88%	-7.10%	-3.18%		-3.57%	7.8999	25.77
Benchmark	9.33%	14.91%	35.85%	16.87%	-3.95%	0.49%		0.00%
Benchmark : KOSPI USD Index (THB) 50% + KOSPI USD Index adjusted with FX hedging cost 50%
Principal China Equity Fund A (PRINCIPAL CHEQ-A)	14.50%	10.31%	24.60%	20.55%				12.61%	12.7550	806.60
Benchmark	26.49%	13.50%	28.45%	34.55%				15.92%
Benchmark : CSIN0905 USD Index (THB) 25% + CSIN0905 USD Index adjusted with FX hedging cost 25% + M1CN1A Index (THB) 25% + M1CN1A Index adjusted with FX hedging cost 25%
Principal Global Opportunity Fund C (PRINCIPAL GOPP-C)	38.47%	19.29%	52.54%	52.60%				34.73%	18.6343	853.61
Benchmark	6.36%	9.55%	26.66%	13.57%				9.04%
Benchmark : M1WD Index (THB) 50% + M1WD index adjusted with FX hedging cost 50%
Principal Global Innovation Fund A (PRINCIPAL GINNO-A)	17.66%	12.27%	43.40%	29.18%				14.85%	12.4990	132.93
Benchmark	4.67%	9.34%	26.57%	12.23%				10.83%
Benchmark : M1WO Index (THB) 50% + M1WO index adjusted with FX hedging cost 50%
Principal Global Small Cap Equity Fund R (PRINCIPAL GSCEQ-R)	-5.51%	8.15%	37.03%	5.65%	-0.27%	4.31%		3.10%	12.1540	71.11
Benchmark	-1.26%	9.33%	32.38%	6.16%	0.05%	4.14%		3.83%
Benchmark : MSLUAWON Index (THB) 50% + MSLUAWON Index adjusted with FX hedging cost 50%
Principal Korea Stock Fund (PRINCIPAL KOS)	1.48%	12.44%	30.70%	8.05%	-6.83%	-3.05%		-4.13%	7.6687	12.02
Benchmark	9.33%	14.91%	35.85%	16.87%	-3.95%	0.49%		-0.37%
Benchmark : KOSPI USD Index (THB) 50% + KOSPI USD Index adjusted with FX hedging cost 50%
Principal Asia Pacific Equity Fund (PRINCIPAL APEQ)	1.88%	13.47%	28.92%	9.41%	2.77%	6.25%		4.53%	13.1461	42.79
Benchmark	7.10%	10.88%	27.35%	16.79%	2.41%	6.28%		2.77%
Benchmark : M1APJ Index (THB) 50% + M1APJ Index adjusted with FX hedging cost 50%
Principal Global Equity Fund C (PRINCIPAL GEF-C)	1.17%	9.10%	26.03%	9.06%				8.61%	14.4047	1,328.70
Benchmark	1.83%	7.96%	28.90%	10.11%				9.70%
Benchmark : M1WO index adjusted with FX hedging cost 100%
Principal Global Brands Fund A (PRINCIPAL GBRAND-A)	5.73%	6.99%	19.51%	11.97%				11.55%	11.2021	453.40
Benchmark	4.67%	9.34%	26.57%	12.23%				11.20%
Benchmark : M1WO Index (THB) 50% + M1WO index adjusted with FX hedging cost 50%
Principal European Equity Fund (PRINCIPAL EUEQ)	-1.86%	6.68%	20.44%	3.97%	3.55%	5.63%		3.90%	12.2485	81.06
Benchmark	-7.23%	3.70%	14.59%	-1.33%	-3.47%	-0.06%		-0.72%
Benchmark : M7EU Index (THB) 50% + M7EU Index adjusted with FX hedging cost 50%
Principal Global Commodities Fund (PRINCIPAL GCF)	-13.07%	6.52%	16.50%	-7.42%	-4.70%	-3.42%	-4.63%	-3.60%	5.4271	37.32
Benchmark	-12.51%	3.74%	13.03%	-7.13%	-4.34%	-3.29%	-3.51%	-1.10%
Benchmark : MLCX03TR Index adjusted with FX hedging cost 50% + MLCX03TR Index (THB) 50%
Principal Global Equity Fund A (PRINCIPAL GEF-A)	0.58%	8.89%	25.54%	8.18%	5.22%	8.19%		5.81%	14.3546	35.61
Benchmark	1.83%	7.96%	28.90%	10.11%	7.01%	9.82%		7.04%
Benchmark : M1WO index adjusted with FX hedging cost 100%
Principal Global Equity Fund X (PRINCIPAL GEF-X)	1.88%	9.36%	26.62%					5.63%	14.5229	101.48
Benchmark	1.83%	7.96%	28.90%					5.66%
Benchmark : M1WO index adjusted with FX hedging cost 100%
Principal Global Managed Volatility Equity Fund C (PRINCIPAL GMV-C)		4.80%						4.56%	9.9273	27.05
Benchmark		6.05%						4.48%
Benchmark : M00IWO$O Index (THB) 50% + M00IWO$O Index adjusted with FX hedging cost 50%
Principal Global Managed Volatility Equity Fund X (PRINCIPAL GMV-X)		5.31%						5.50%	10.0166	3.47
Benchmark		6.05%						4.48%
Benchmark : M00IWO$O Index (THB) 50% + M00IWO$O Index adjusted with FX hedging cost 50%
Principal Global Education Tech Fund (PRINCIPAL GEDTECH-A)								0.46%	10.0456	1,154.50
Benchmark								3.43%
Benchmark : NGSINU Index (THB) 50% + NGSINU Index adjusted with FX hedging cost 50%

As at date : 30/09/2020 Fund	Year To Date Performance(%)	3 Month (%)	6 Month (%)	1 Year (%)	3 Year (%)	5 Year (%)	10 Year (%)	Since Inception(%)	NAV (THB)	Fund Size (THB million)
RMF-LTF-SSF
Principal 70 Long Term Equity Dividend Fund T (PRINCIPAL 70LTFD-T)	-12.85%	-3.46%	9.86%	-15.65%	-6.16%	0.80%	3.87%	2.80%	11.2304	241.48
Benchmark	-13.05%	-4.89%	8.62%	-15.65%	-4.34%	2.99%	6.73%	8.80%
Benchmark : SET TRI Index 70% + STGovBond Index 30%
Principal Fixed Income Retirement Mutual Fund (PRINCIPAL FIRMF)	0.94%	0.33%	0.21%	1.40%	1.61%	1.70%	2.33%	2.16%	13.8201	94.48
Benchmark	2.29%	0.12%	0.61%	2.52%	4.95%	4.49%	4.37%	5.00%
Benchmark : GovBond 1-3Yrs Index 50% + MTMCorpA-up 1-3Yrs Index 25% + Avg12MFixed(BBL,KBANK,SCB) 25%
Principal Protected Retirement Mutual Fund (PRINCIPAL PRMF)	0.06%	-0.03%	-0.03%	0.17%	0.37%	0.40%	0.97%	1.35%	12.1970	81.42
Benchmark	1.94%	0.11%	0.31%	2.17%	4.83%	4.42%	4.34%	5.34%
Benchmark : STGovBond Index 100%
Principal Long Term Equity Fund T (PRINCIPAL LTF-T)	-19.07%	-4.64%	13.85%	-22.60%	-9.15%	0.31%	4.86%	3.06%	15.6345	594.11
Benchmark	-19.27%	-7.02%	12.06%	-21.66%	-6.68%	1.47%	5.94%	8.27%
Benchmark : SET TRI Index 100%
Principal Equity Retirement Mutual Fund (PRINCIPAL EQRMF)	-26.29%	-8.86%	5.89%	-29.06%	-11.94%	-1.76%	3.50%	1.78%	12.7758	663.23
Benchmark	-19.27%	-7.02%	12.06%	-21.66%	-6.68%	1.47%	5.94%	7.78%
Benchmark : SET TRI Index 100%
Principal Property Income Retirement Mutual Fund (PRINCIPAL iPROPRMF)	-10.18%	0.05%	9.57%	-11.66%	5.28%	9.16%		6.81%	16.6947	1,407.70
Benchmark	-11.78%	-0.46%	12.68%	-14.53%	4.70%	8.42%		8.24%
Benchmark : SET PF&REIT TRI Index 50% + FSTREI TRI Index (THB) 25% + FSTREI TRI Index adjusted with FX hedging cost 25%
Principal Asia Pacific Dynamic Income Equity Retirement Mutual Fund (PRINCIPAL APDIRMF)	1.87%	13.44%	28.93%	9.33%	2.52%	5.72%		4.31%	12.7527	112.56
Benchmark	7.10%	10.88%	27.35%	16.79%	2.41%	6.28%		4.31%
Benchmark : M1APJ Index (THB) 50% + M1APJ Index adjusted with FX hedging cost 50%
Principal Money Market Retirement Mutual Fund (PRINCIPAL MMRMF)	0.44%	0.06%	0.18%	0.72%	1.07%	1.12%		1.59%	11.6802	587.04
Benchmark	0.68%	0.11%	0.31%	1.07%	1.06%	0.87%		0.83%
Benchmark : STGovBond Index 100%
Principal Aggressive Allocation Retirement Mutual Fund (PRINCIPAL AARMF)	-10.84%	-1.44%	12.59%	-8.24%	-1.97%	1.10%	1.73%	1.63%	12.9106	22.39
Benchmark	-9.81%	-1.20%	14.24%	-7.13%	-1.75%	1.66%	4.39%	3.87%
Benchmark : STGovBond Index 10% + SET50 TRI Index 45% + M1WO index adjusted with FX hedging cost 22.5% + M1WO Index (THB) 22.5%
Principal Balanced Allocation Retirement Solution RMF (PRINCIPAL BARMF)	-7.94%	-2.32%	6.59%	-9.86%	-4.22%	-0.08%		1.10%	11.0091	3.50
Benchmark	-6.29%	-2.76%	5.11%	-7.27%	0.30%	3.88%		4.99%
Benchmark : STGovBond Index 60% + SET TRI Index 40%
Principal SET100 Retirement Mutual Fund (PRINCIPAL SET100RMF)	-24.09%	-10.47%	5.83%	-25.45%	-7.88%	0.00%		3.95%	14.6438	15.80
Benchmark	-22.98%	-9.96%	8.32%	-24.47%	-7.24%	1.13%		4.79%
Benchmark : SET100 TRI Index 100%
Principal Enhanced Long Term Equity Fund T (PRINCIPAL ELTF-T)	-24.33%	-8.52%	6.91%	-26.95%	-9.07%	-0.87%	3.67%	5.40%	22.9516	64.91
Benchmark	-24.89%	-11.21%	4.99%	-26.00%	-7.28%	0.94%	4.85%	7.41%
Benchmark : SET50 TRI Index 100%
Principal SET50 Index Super Savings Fund SSF (PRINCIPAL SET50SSF-SSF)		-11.43%						-7.83%	9.2166	6.11
Benchmark		-11.21%						-5.12%
Benchmark : SET50 TRI Index 100%
Principal SET50 Index Super Savings Fund SSFX (PRINCIPAL SET50SSF-SSFX)		-11.51%						-7.91%	9.2087	68.93
Benchmark		-11.21%						-5.12%
Benchmark : SET50 TRI Index 100%
Principal Enhanced Property and Infrastructure Flex Income Fund SSF (PRINCIPAL iPROPEN-SSF)		0.60%						12.00%	8.5543	13.69
Benchmark		4.41%						17.90%
Benchmark : SET PF&REIT TRI Index 21% + FSTREI TRI Index (THB) 10% + FSTREI TRI Index adjusted with FX hedging cost 10% + AS51PROT Index (THB) 15% + AS51PROT Index adjusted with FX hedging cost 15% + TREITNTR Index (THB) 10% + TREITNTR Index adjusted with FX hedging cost 10% + HSI 33 Index (THB) 4.5% + HSI 33 Index adjusted with FX hedging cost 4.5%
Principal Thai Dynamic Income Equity Fund SSF (PRINCIPAL TDIF-SSF)		-5.94%						9.00%	7.2692	1.23
Benchmark		-7.02%						14.12%
Benchmark : SET TRI Index 100%

As at date : 30/09/2020 Fund	Year To Date Performance(%)	3 Month (%)	6 Month (%)	1 Year (%)	3 Year (%)	5 Year (%)	Since Inception(%)	NAV (THB)	Fund Size (THB million)
Alternatives
Principal Property Income Fund R (PRINCIPAL iPROP-R)	-10.80%	0.00%	9.82%	-12.06%	4.96%	7.88%	8.49%	18.3948	1,345.95
Benchmark	-11.78%	-0.46%	12.68%	-14.53%	4.70%	8.07%	10.28%
Benchmark : SET PF&REIT TRI Index 50% + FSTREI TRI Index (THB) 25% + FSTREI TRI Index adjusted with FX hedging cost 25%
Principal Property Income Fund D (PRINCIPAL iPROP-D)	-10.80%	-0.01%	9.81%	-12.05%	4.97%	7.85%	8.59%	11.8079	14,423.32
Benchmark	-11.78%	-0.46%	12.68%	-14.53%	4.70%	8.07%	10.28%
Benchmark : SET PF&REIT TRI Index 50% + FSTREI TRI Index (THB) 25% + FSTREI TRI Index adjusted with FX hedging cost 25%
Principal Property Income Fund A (PRINCIPAL iPROP-A)	-10.80%	0.00%	9.82%	-12.05%	4.99%	7.86%	8.84%	18.3446	2,900.80
Benchmark	-11.78%	-0.46%	12.68%	-14.53%	4.70%	8.07%	9.60%
Benchmark : SET PF&REIT TRI Index 50% + FSTREI TRI Index (THB) 25% + FSTREI TRI Index adjusted with FX hedging cost 25%
Principal Gold Income Fund A (PRINCIPAL iGOLD-A)	23.47%	6.15%	16.07%	24.60%	10.35%	8.33%	0.03%	10.0233	33.66
Benchmark	24.44%	6.75%	17.34%	26.64%	12.95%	10.99%	1.99%
Benchmark : Gold London PM Fix plus Hedging Cost (USD) 100%
Principal Gold Income Fund R (PRINCIPAL iGOLD-R)	23.50%	6.15%	16.09%	24.63%	10.07%	7.73%	-0.33%	9.7424	1.84
Benchmark	24.44%	6.75%	17.34%	26.64%	12.95%	10.99%	1.99%
Benchmark : Gold London PM Fix plus Hedging Cost (USD) 100%
Principal Property Income Plus Health Fund (PRINCIPAL iPROPPLUS)	-10.32%	-0.09%	9.28%	-12.11%			3.68%	9.8347	889.90
Benchmark	-11.78%	-0.46%	12.68%	-14.53%			2.92%
Benchmark : SET PF&REIT TRI Index 50% + FSTREI TRI Index (THB) 25% + FSTREI TRI Index adjusted with FX hedging cost 25%
Principal Property Income Fund C (PRINCIPAL iPROP-C)	-10.80%	0.00%	9.82%	-12.04%	5.01%	7.95%	7.42%	18.2373	2,227.06
Benchmark	-11.78%	-0.46%	12.68%	-14.53%	4.70%	8.07%	6.91%
Benchmark : SET PF&REIT TRI Index 50% + FSTREI TRI Index (THB) 25% + FSTREI TRI Index adjusted with FX hedging cost 25%
Principal Gold Income Fund X (PRINCIPAL iGOLD-X)	24.70%	6.54%	16.90%				28.97%	10.1308	36.51
Benchmark	24.44%	6.75%	17.34%				28.73%
Benchmark : Gold London PM Fix plus Hedging Cost (USD) 100%
Principal Property Income Fund X (PRINCIPAL iPROP-X)	-10.03%	0.29%	10.47%				-7.93%	14.0328	190.39
Benchmark	-11.78%	-0.46%	12.68%				-10.75%
Benchmark : SET PF&REIT TRI Index 50% + FSTREI TRI Index (THB) 25% + FSTREI TRI Index adjusted with FX hedging cost 25%
Principal Enhanced Property and Infrastructure Flex Income Fund A (PRINCIPAL iPROPEN-A)	-14.08%	0.60%	10.63%				-14.46%	8.5541	1,888.12
Benchmark	-11.96%	4.41%	17.28%				-12.30%
Benchmark : SET PF&REIT TRI Index 21% + FSTREI TRI Index (THB) 10% + FSTREI TRI Index adjusted with FX hedging cost 10% + AS51PROT Index (THB) 15% + AS51PROT Index adjusted with FX hedging cost 15% + TREITNTR Index (THB) 10% + TREITNTR Index adjusted with FX hedging cost 10% + HSI 33 Index (THB) 4.5% + HSI 33 Index adjusted with FX hedging cost 4.5%
Principal Enhanced Property and Infrastructure Flex Income Fund D (PRINCIPAL iPROPEN-D)	-14.09%	0.60%	10.63%				-14.46%	8.5540	4,235.68
Benchmark	-11.96%	4.41%	17.28%				-12.30%
Benchmark : SET PF&REIT TRI Index 21% + FSTREI TRI Index (THB) 10% + FSTREI TRI Index adjusted with FX hedging cost 10% + AS51PROT Index (THB) 15% + AS51PROT Index adjusted with FX hedging cost 15% + TREITNTR Index (THB) 10% + TREITNTR Index adjusted with FX hedging cost 10% + HSI 33 Index (THB) 4.5% + HSI 33 Index adjusted with FX hedging cost 4.5%
Principal Gold Income Fund C (PRINCIPAL iGOLD-C)		6.36%					7.69%	10.0617	140.68
Benchmark		6.75%					9.06%
Benchmark : Gold London PM Fix plus Hedging Cost (USD) 100%

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What are mutual funds?

Mutual funds, also known as managed investments, allow you to pool your money with that of many other investors so that the mutual 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.

Direct investment versus mutual funds - 'pros' and 'cons'?

Once you have decide to invest, you have a choice of investing directly or through a mutual 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.

For whom are mutual funds most suitable?

Mutual funds 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.

Mutual funds 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 mutual funds as they provide access to the expertise of professional investment managers.

When you invest in a mutual 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 mutual price will move up and down as the value of the investments with the mutual fund rise or fall.

Returns from a mutual fund are typically calculated based on movements in the bid (or withdrawal) mutual price and assume any income distributions paid to investors are reinvested in the fund as additional units.

The Secret to Wealth

Whether you want to invest in shares or across a broad range of asset classes, mutual funds provide you with one benefit that can be very hard for individual investors to achieve - diversification.

Many people invest but only some become wealthy.
Why?
The mistake many people make when investing is that they treat their investment as saving.
Saving Versus Investing

So what is the difference between saving and investing? Saving is what you do to build up funds for something, like a holiday, and when you have the amount saved you withdraw your capital from your investment and spend it on the holiday. After the holiday you have nothing left, and start the process all over again.

But building wealth is different. People who want to build wealth invest their money for the long term in 'growth assets' such as shares and property.

Their strategy is to spend the income that the investment produces, but to leave the capital invested. They don't withdraw the capital, so it stays there growing and compounding, and producing more and more income each year.

If you do this it will take you quite a while longer initially to get to your investment goal, but in the long run you will find that the extra wait has been worth it. As the years go by, you will have an increasing additional income stream from your investments and your standard of living can rise accordingly!

Should I continue to retain capital in retirement?

Retaining your capital is a good strategy to use for wealth accumulation. Of course when you stop working later in life, your strategy may change. At that point it can often be beneficial to start drawing on some of your capital as well, whilst still ensuring that it will last for as long as you need it.

Investing for a specific goal

When investing money, many people have a specific goal in mind. If this is the case for you, you need to decide what time frame is attached to that goal - short term, medium term or long term?

Examples of investment goals are:

Investing a specific amount

Rather than having a particular investment goal, some people may just be wanting to invest a certain sum of money eg. an inheritance. If you are in this situation, you need to decide what you want from that money.

Do you want to use the money in the next year or two? (in which case you are a short term investor). Or do you want a regular income? (you will need medium term income-producing investments). Or do you want it to achieve capital growth over a long period of time, and are willing to take a long term view?
Time Frame

The time frame of your goals will determine how the money should be invested.

A short term investor would be more likely to choose a more conservative investment like cash, to ensure that their capital is available in the next 1-3 years when they need to access it.

A long term investor would be more willing to invest in 'growth assets' such as shares, as they do not need to access their capital for at least 5 years, so are less concerned about short term ups and downs. They recognise that the potential returns are much higher in growth investments, and if they are held over the long term the risk is reduced.

A financial adviser can assist you to understand the types of investment most suitable for your goals.

General Risks of Investing in Mutual Funds

Any investment carries with it an element of risk. Therefore, prior to making an investment, prospective investors should consider the following risk factors.

Returns Not Guaranteed
Investors should be aware that by investing in a mutual fund, there is no guarantee of any income distribution, returns or capital appreciation.
General Market Risk
Any purchase of securities will involve some element of market risk. Hence, a mutual fund may be prone to changing market conditions as a result of:
- global, regional or national economic developments;
- governmental policies or political conditions;
- development in regulatory framework, law and legal issues
- general movements in interest rates;
- broad investor sentiment; and
- external shocks (e.g. natural disasters, war and etc.)
In addition, the following risk factors should also be considered:
Security specific risk
There are many specific risks which apply to the individual security. Some examples include the possibility of a company defaulting on the repayment of the coupon and/or principal of its debentures, and the implications of a company’s credit rating being downgraded.
Liquidity risk
Liquidity risk can be defined as the ease with which a security can be sold at or near its fair value depending on the volume traded in the market.
Inflation risk
Inflation rate risk is the risk of potential loss in the purchasing power of your investment due to a general increase of consumer prices.
Loan Financing Risk
If a loan is obtained to finance the purchases of units of any mutual fund, investors will need to understand that:
- Borrowing increases the possibility for gains as well as losses;
- If the value of the investment falls below a certain level, investors may be asked by the financial institution to top up the collateral or reduce the outstanding loan amount to the required level;
- The borrowing cost may vary over time depending on the fluctuations in interest rates;
- The risks of using loan financing in light of investors’ investment objectives, attitude towards risk and financial circumstances should be carefully assessed.
Risk of Non-Compliance
This refers to the current and prospective risk to the mutual fund and the investors’ interest arising from non-conformance with laws, rules, regulations, prescribed practices and internal policies and procedures by the manager.
Manager’s Risk
The performance of any mutual funds is dependent amongst others on the experience, knowledge, expertise and investment techniques/process adopted by the manager and any lack of the above would have an adverse impact on the fund’s performance thereby working to the detriment of Unit holders.

Top Mutual Funds

PRINCIPAL VNEQ-A

THB 8.7205
PRINCIPAL VNEQ-I

THB 8.7894
PRINCIPAL GEDTECH-A

THB 10.4720
PRINCIPAL TDIF-X

THB 7.2976
PRINCIPAL TDIF-D

THB 7.2140
More

As of current market close

Fund Offerings

Money Market

Fixed Income

Mixed Assets

Equity

Regional and Global

RMF-LTF-SSF

Property

Alternatives

Disclaimer

1. The investors should study and understand the product (fund) feature, return condition and risk factors carefully before making an investment.

2. Investment in mutual funds is not a bank deposit and carries investment risk. The investors may receive the redemption amount higher or lower than the initial investment amount. Accordingly, the investors should invest when they consider that the investment in any mutual fund (“Fund”) is appropriate for their investment objectives and they can accept the risk which may incur from the investment in such Fund.

3. The persons interested in investment should study the prospectus carefully and understand “Investment Policy”, “categories of Investment Securities”, “Assets Allocation”, “Important risk factors” and “Warnings/Advices” before investing and keep such information for future reference. For those who wish to know additional details, can request a prospectus for project information from the Asset Management Company or its appointed Selling Agents.

4. The Asset Management Company may invest in securities or other assets for the Asset Management Company in the same way as the Asset Management Company has invested in securities or other assets for the Fund according to the regulations imposed by the Office of Securities and Exchange Commission (“Office of SEC”). The persons interested in investment who intend to know the information of investment for the Asset Management Company in details can ask for the information at the Asset Management Company or its appointed Selling Agents, or the Office of SEC.

5. In case of particular funds whose investment concentrated in either one industry or one country, the investors should study and understand the information in the prospectus before making an investment.

6. In case of unusual circumstance, the investors may not receive payment of the redeeming price of investment units within the due period of time or they may be unable to redeem the investment units as instructed, or they may receive money from the redemption of investment units later than the time stipulated in the prospectus.

7. In case where the Fund cannot maintain its liquid assets as prescribed by the Office of SEC, the investors may be unable to redeem the investment units according to their instruction.

8. The investors can check the information which may affect their investment decision, for instance, the entry into transaction with the Connected Person and the investment proportion stipulated in the objective of investment, etc. at the Office of SEC, or via the website of the Office of SEC at http://www.sec.or.th

9. The Fund is a juristic person separated from the Asset Management Company, accordingly, the Asset Management Company has no obligation to compensate the loss of the Fund. The operating performance of the Fund does not depend on the financial status or the operating performance of the Asset Management Company.

10. The investment in any funds whose name appearing in this Mobile Application is governed by the laws of Thailand including rules, regulations and by-laws stipulated in accordance with the Securities and Exchange Act B.E. 2535 (1992) (as Amended).

11. The information in this Mobile Application is just general information not being an advice or opinion and it does not substitute the advice or it is not intended as the offer or invitation for any person in buying or selling the product of various categories. Thus, no person can claim for any damages which incur with such person who used the information or who makes his/her decision based on the contents herein.

12. The approval of the Office of SEC for the establishment and management of the Fund’s project appearing in this Mobile Application does not mean that the Securities and Exchange Commission (“SEC”) and the Office of SEC have certified the accuracy of the information in the prospectus and they do not guarantee the price or yield of the offered investment units.

13. The evaluation of the Fund’s operating performance in this Mobile Application applies the method of evaluation of the operating performance according to the standard prescribed by the Association of Investment Management Companies (“AIMC”) and the Fund’s operating performance in the past does not guarantee the Fund’s operating performance in the future.

14. The Asset Management Company has prepared all contents appearing in this Mobile Application for disseminating them to the Unitholders and the persons interested in investment and the Asset Management Company has realized the accuracy of such information. However, the Asset Management Company cannot guarantee the accuracy and the updatedness of all contents appearing in this Mobile Application.

15. The Asset Management Company reserves the right to correct, improve or change any information in this Mobile Application without any prior notice.

16. The Asset Management Company allows its employees to invest in the securities for themselves but they must comply with the ethics and every notifications imposed by AIMC and they must disclose such investment to the Asset Management Company for acknowledgment in order that the Asset Management Company will be able to supervise the employees’ securities trading.

17. The Asset Management Company and the executives including the Asset Management Company’s employees reserve the right not to be responsible for the damages in all cases which incur to the information and/or the communication system of the visitors or the investors due to their usage of this Mobile Application and/or any mobile application which is used in the Asset Management Company’s activity.

18. The Asset Management Company reserves the right of any information in this Mobile Application. No person is permitted to disseminate, refer, imitate, reproduce or amend by any method, in whole or in part, the information in this Mobile Application, unless there is the prior written permission of the Asset Management Company. The Asset Management Company and the executives including the Asset Management Company’s employees reserve the right not to be responsible for the damages in all cases which incur from other person’s intentional act or without permission of the Asset Management Company, but such other person corrects, changes any report, information, document or any media in this Mobile Application and such report, information, document or any media in this Mobile Application is specifically or generally disseminated, in the manner that it may cause the misunderstanding or the damage to the property or reputation of the Asset Management Company or other person.

19. The correction, modification, change of the report, content, information, document or any media in this Mobile Application, by any method, with intention or without prior permission of the Asset Management Company, and such correction, modification change result in the damage of property or reputation of the Asset Management Company or other person is the illegal action and offence in accordance with the Act governing the Committing of Offence relating to the Computer (“Act”) where the offender of such Act must be responsible for the civil damage and may also be responsible for the criminal punishment.

20. The Asset Management Company has compiled various websites in country and foreign countries which link with this Mobile Application for convenience in visiting such websites only. In case where such websites present any information, knowledge, concept or offer any service or offer any sale of various products in such websites to their visitors, especially some websites in foreign countries are not permitted to render any service or offer various products in Thailand at the moment, therefore, the visitors or the recipients of such service or buyers of product from such websites should study and check the information carefully before deciding to receive such service or to buy product or to take any action. In this connection, the Asset Management Company does not involve with any information or the offer of service or product. Moreover, the Asset Management Company does not certify the accuracy of information or the offer of service or product in such websites.

21. In case where the visitors who visit this Mobile Application and they leave this Mobile Application to other websites which link with this Mobile Application, the Asset Management Company would like to inform that such websites may be not governed by the Securities and Exchange Act B.E. 2535 (1992) and the Asset Management Company has not yet surveyed the service of information or product of such companies, accordingly, the Asset Management Company cannot guarantee the accuracy and completeness of such information and cannot be responsible for any incurred damage.

22. The investors should check to ensure that the sellers of investment units are the persons approved by the Office of SEC.

23.    Fee and charges for regular saving plan (RSP) transactions - Applying for all unitholders, with effect from 23rd March 2020.
Transaction charges:
      - Free of charge of RSP at THB 5,000 and above
      - THB 10 per transaction for RSP below THB 5,000 (Currently exempt)

24. Investors should study information about investment conditions and requirements of investing in the Super Saving Funds (SSF), Super Saving Fund Fund Extra (SSFX), or Super Saving Fund Extra Unit Class (SSFX Class) which are in accordance with the Ministerial Regulation No. 357 (B.E. 2020) issued under the Revenue Code on the exemption of tax on 10 March 2020, under guidance from the Revenue Department.. Investors should study and understand the information in the Fund Prospectus / Fund Factsheet and keep them for future reference. If you have question please ask the investor contact for clarification and to understand before buying the investment unit

Warning for Particular Fund

•   The investors cannot bring the investment units of the Retirement Mutual Fund (“RMF”) and the Long Term Equity Fund (“LTF”) to sell, distribute, transfer, pledge or to place as collateral.
•   For the investment in any RMF and LTF, the Unitholders (of such funds) must strictly comply with the conditions on investment and conditions imposed by the Revenue Department (which they can study such conditions from the investment handbook provided by the Asset Management Company), otherwise, the investors will not receive the tax benefit and/or the investors may be deducted or cannot request for the return of the withholding tax from the earned profit and they must return the tax’s benefit which they have received within the due period of time, and/or they may have to pay the surplus or penalty according to the Revenue Code. In addition, the investors must keep the documents of investment in the Fund including the evidence to prove that they have completely complied with the prescribed conditions for the benefit in confirming your tax’s benefit when they are inquired in the future. In addition, the investors should ask for the prospectus and handbook of investment and they should study such information until the investors understand such information or the investors may ask for additional details at the Asset Management Company or its Selling Agents.
•   In case where the Fund invests in foreign country and the Fund has not fully hedged the risk of the exchange rate, the investors may suffer the loss or may gain profit from the exchange rate or receive the money back less than the initial investment amount.
•   In case of guaranteed Fund, the investors who hold the investment units until the due period of time fixed in the prospectus will receive the investment back according to the conditions of guarantee. However, such guarantee does not include the guarantee of the guarantor’s ability to pay debt in the future.
•   In case of the “Fund focusing on the principal protection”, it is just a title of mutual fund with low risk whose policy of investment is to protect the principal of the Unitholders. Such Fund does not guarantee the investment or the yield from investment.

Privacy Policy
CIMB-Principal Asset Management Company Limited (“Company”) respects the customers’ rights. The Company has the privacy policy in order that you will be confident when providing your information to the Company. The customers have the right whether to provide the information to the Company or not.

Form of Information
The Company has collected the information in order that the Company will be able to render the financial service to the customers. The information comprises the name, address, date of birth including other information, for instance, occupation, your income per year. The Company receives such information from the application of account opening and your information for using the Company’s service on the internet.

The Company may collect your additional information when you use the Company’s service and the customers’ care center via the internet system or mobile phone in order to enable the Company to prepare better product and service which are appropriate for you.

Usage of Password
The customers have responsibility in keeping and taking care of their passwords. At all times and in all situations, you must be sure that your password is not disclosed to other person. Please notify the Company immediately when you have found that the password is used without your authorization or there is the violation of password’s security.

Usage and Disclosure
The Company may disclose your personal information or other information that related to you to other persons in various forms as prescribed in this part of the Privacy Policy.

The Company may use your personal information or other information with the reasons as follows:

Disclosure of information to CIMB-Principal and Principal Financial Group: The Company may disclose your personal information to CIMB-Principal and Principal Financial Group, for instance,
•   In case of introduction of financial product and service, for instance, the investment units of the fund in which you are interested;
•   In case of evaluation and running of application program which is in line with financial product and service, for instance, your investment units of the fund;
•   In case of management of financial product and service, for instance, your investment units of the fund presented by the Company;
•   In case where the disclosure of information will help Company in managing the content to be ready for usage and the connection with the product, service and the communication of the companies in the Group;
•   For risk management in order to detect and to prevent from wrongdoing and the fraud which may incur including any other violation of Company’s policy and agreements.

The Company may disclose your personal information to the Company’s external service provider: The Company may disclose your personal information to the external service provider who renders its service to the Company, as follows:
•   The external service provider who may render its service to you, for instance, the authentication service, etc.;
•   The external service provider, for instance, documents delivery service provider, IT system service provider, information filling service provider, publishing house, auditors including experts in various fields, provider who delivers the advertising for product and service and any other external company who supports in rendering our service to you;
•   The person appointed to perform the duty in place of you;
•   The experts in various fields appointed by the Company to help us in rendering our service of management of your investment;
•   In case where the Company must disclose your information as stipulated by laws, for instance, the disclosure of information to the Revenue Department, regulator, for instance, the Office of SEC;
•   Other financial institutes who are our partners in creating and offering the product or service: The Company may disclose your personal information to other financial institutes who are our partners in creating and offering the product, for instance, Synchrony Bank who relates to your bank account in case where you need to transfer money from your bank account or into your bank account, such financial institute may use such information only for the marketing and offering of product relating to the Company;
•   In case of preparation of information and statistics compiled by the third party including other business and general persons relating to the method, time and reason of the users of our website and service. This information does not identify yourself or does not provide the information relating to your usage of website or service. The Company will not disclose your personal information to the third party for the marketing objective without your consent.

The Company may disclose your personal information to the third party for its business objective or in the case stipulated or permitted by laws: The Company may disclose your personal information to other person for its business objective or in the case stipulated or permitted by laws including the cases as follows:

•   In the case where it is necessary to disclose such information in order to comply with the laws, legal procedure or rules and regulations for supporting the audit, compliance and duty on the business operation supervision;
•   In the case where it is necessary to disclose such information to the law enforcement agency, the state agency with the supervisory authority, state officials or other third person who involves with the summon, court’s order or other legal procedure or legal provisions under the laws or regulations or under the laws or regulations of other court’s jurisdiction which apply to the Asset Management Company or companies in the group of the Asset Management Company. Such information is disclosed in order to be in line with such laws or in case where the Company believes at its discretion that the disclosure of personal information is necessary or appropriate in order to prevent from the physical hazard or
financial loss or in order to report on suspicious transaction which may violate the laws;
•   In order to protect the important interest of person;
•   In order to protect the properties, services and legal rights of the Asset Management Company;
•   In case where there is the linkage with the delivery service and various relevant services for the buying transaction which is done by using the service;

• In order to assess and manage the risk including to prevent from the fraud against the Asset Management Company and the fraud relating to the websites or usage of service of the Asset Management Company;
• In order to disclose such information to agencies, banks, financial institutes for the credit reporting and for money collection.

With your consent: The Asset Management Company will disclose your personal information and other information with your consent. However, the recipient of such personal information must comply with the condition of disclosure of personal information according to the laws governing the privacy.

The alternative not to transact via the internet and Application
If the customers intend not to transact via the internet and Application, they may choose to use the phone or may write letter or contact the Asset Management Company in order to ask for the information relating to the investment in the Fund of the Asset Management Company. You may fill account opening form and may file the original documents at the office of the Asset Management Company and the Selling Agents of the Company.

Cookies
Cookies are small text files containing the information which you have visited our website. The Asset Management Company used Cookies in the Company’s Application in order to ensure that the information of transaction which you have done with us via the internet system and the Application is correct. Once you leave from our system of internet security and our Application, such cookies will be destroyed and such information will not be disseminated.

Access to your personal information
You may write an e-mail to contact us or you may call us at the phone number (662) 686-9595, during 08.30 hrs. to 17.00 hrs. every business day when you need to check your information. We may contact you for preparing additional information, for instance, money market information, fund market information, new fund and service. If you do not need such information, please also contact us.

Investors’ Risk Level Assessment Form (“Suitability Test”)
Since 1 July 2011 onwards, every investor must do the Suitability Test according to the Notification of the Capital Market Supervisory Board No.Thor.Tor./Nor./Khor. 47/2010, RE: Rule of Giving of Advice on the Investment and Providing of Service relating to the Investment Units Trading. If the investor refuses to do the Suitability Test or the investor does not provide complete information, CIMB-Principal Asset Management Company Limited (“Company”) cannot give advice on investment or cannot enter into the transaction of investment units buying or the transaction of investment units’ switching into the Fund for you because the Company must comply with the state agencies’ rules and regulations.

The objective of the Suitability Test is to cause the investors to acknowledge the level of risk which is appropriate for himself/herself in general and the Company will use information from such Suitability Test for giving advice on investment in the fund that appropriate for risk level of Unitholders. In this connection, the investors are requested to fill the actual information in all items of the Suitability Test in order to enable the Company to evaluate the level of risk which is appropriate for you.

The Unitholders can ask for the Suitability Test from the Company’s selling employees and can do such Suitability Test by filling it and return it to the Company, or may do the Suitability Test via the Company’s electronic service or via any other channel to be further notified by the Company. The Company will adhere to the information in the latest Suitability Test for assessment of Unitholders’ risk level.

Terms and Conditions:
In case of Subscription and/or Switching orders via the ordinary system of order receiving, the Company reserves the right not to take action according to Subscription Order/Switching Order for any fund according to the Form of Subscription Order/Switching Order (or the Subscription Order/Switching Order which is sent via system) for any fund. In such case, the Company does not have to notify Unitholders in advance, if the risk level of such fund is higher than the risk level of Unitholder which calculated from this Suitability Test or according to the latest Suitability Test of Unitholders which may be prepared in the future (except the case where the Unitholders confirm to take such risk from time to time, or except the case where there may be the change in the future as deemed appropriate by the Company subject to the rules of relevant state agencies which may be amended in the future).

In case of Subscription Order/Switching Order under the Automatic Investment Planning (AIP), the Company reserves the right not to take action according to the Buying Order/Switching Order for any fund as prescribed in the AIP where the Company does not have to give notice to the Unitholders for acknowledgement in advance, if the risk level of such fund is higher than the risk level of Unitholder which calculated from this Suitability Test or according to the latest Suitability Test of Unitholders which may be prepared in the future (except the case where the Unitholders confirm to take such risk and such exception must be further applicable to such investment plan until there is the adjustment of the investment plan, or there is the new processing of information of the level of Unitholders’ risk according to the Suitability Test, or except the case where there may be the change in the future as deemed appropriate by the Company subject to the regulations of relevant state agencies which may be amended in the future).

The Suitability Test is applicable only to the account of the Unitholders under the Company’s management. In this connection, the Unitholders must transact the transaction via the selling agents who are the Company’s selling employees or independent selling agents or via the Company’s electronic service only, but it excludes the transaction that is transacted via other Selling. In such case, the Unitholders must fill the form of the Suitability Test prepared by such Selling.

The Unitholders acknowledge and agree that they have the duty to review and update the information in the Suitability Test according to the time frame prescribed by the Office of SEC, the Company or relevant state agencies including any information which may be changed in the future.

After the due period of time for reviewing and updating the information in the Suitability Test as mentioned above, if the Company does not receive the information in the new Suitability Test from the Unitholders within the due period of time, the Unitholders agree and consent to the Company to deem that the Unitholders’ information appearing in the latest Suitability Test in the system is the most updated information of the Unitholders and such information must be applicable until the time that the Company has received the information in the new Suitability Test and the Company has already recorded such information in the system.

What is a Mutual Fund ?