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Earn a projected

3.95% p.a. in a

Shariah-compliant fund.

Our Corporate Cash Management Solution

helps protect the value of your cash holdings.


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You decide the tenure.

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Corporate tax on minimal

distribution.

No lock-in period.




Flexible liquidity.

T+3 withdrawal.


More tax efficient compared to FD.

Cash management that’s built to help companies navigate a volatile economic environment.

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Earn stable returns on your cash holdings, and protect the value of your cash against inflation.

Our returns over the past 5 years.

Calendar Year Returns (%)

2022

2021

2020

2019

2018

Fund

2.32

2.13

2.52

3.46

3.78

Benchmark

1.83

1.52

2.14

3.09

3.19

Past returns are not a guarantee for future returns. Last updated 18 May 2023.

Source: Fund Fact Sheet, Principal Asset Management Berhad.

Benchmark: CIMB Islamic 1-month Fixed Return Income Account-i (FRIA-i)


Where is your cash invested?

Principal Islamic Money Market Fund

100%

Preserve the value of your cash holdings.

Over RM2 trillion currently sit in local bank deposits as cash, 34% of which are

corporate cash holdings.


Malaysian companies stand to lose RM20 billion in value every year due to inflation without an effective cash management strategy.



Assuming inflation of 3%

Refer here for a more thorough analysis.



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Take control of your cash holdings today.

Unlike Fixed Deposit, Money Market Funds do not penalise you for early withdrawals. And, you stand to earn more.

Money Market

Fixed Deposit

Withdraw anytime you need, without any penalty.

Locked-in tenure, with early withdrawal penalty.

Enjoy the same projected rate, whether you deposit RM300k, RM3 mil or RM30 mil.

Rates are tired, with best rates only for larger deposits, usually > RM3 million.

Corporate tax applied on minimal distribution, so you get to keep more of what you earn.

Corporate tax applied on total interest income.

Book an appointment.

Hardesh Singh

CFP Professional

Certified Member, FPAM

Phone Number

+6 012 288 8074

Email Address

Need more information?

Here's a simple FAQ.

Are there any risks?

This is an investment product, and hence there is some risk. Money Markets are considered low-risk investments with low volatility. Download the Fund Fact Sheet here.

Is this a licensed product?

Principal Islamic Money Market Fund is managed by Principal Asset Management Berhad, a licensed asset management company. I am an authorised consultant and am registered with FIMM.You may verify my credentials here.

Why doesn't my bank provide me with this option if it is so good?

Banks gain the most when you deposit funds with them, which they can then use to issue loans to other individuals and businesses. Which is why they would rather sell you a FD instead of Money Market.

How long is the withdrawal process?

Withdrawals are completed in T+3 days.

Will the projected rate change?

The projected rate is dependent on a number of variables,

including interest rate fluctuations and market conditions. You will be updated regularly by me should there be a material change in the projected rate.