Principal Protect is an assurance to investors that they will not incur capital losses if investments are made per simple conditions set. All active investors would stand to qualify for Principal Protect the moment they successfully invested in 100 notes within a period of 12 months since the began investing. The amount invested in each note must be in almost equal amounts that do not deviate more than 3x of the average investment per note.
Principal Protect是给于投资者的本金保障。如果投资者按照几个设定的条件作出投资，他们将不会蒙受本金的损失。投资者只要在12个月内投资100个标的，将自动被Principal Protect保障。 此外，投资者必须平均投资在各个风险等级的标的里，且不可超过平均投资金额的3倍。
1) Each portfolio is made up of 100 Notes
2) Your investments in this portfolio of 100 Notes must not exceed 3 times your average investment amount
3) Portfolio must be Diversified
4) Portfolio must be amassed / built within 12 months*
*Portfolios amassed before the introduction of Principal Protect (2/9/19) are not subject to the 12 months requirement.
No, Principal Protect is automatically activated once a portfolio of 100 qualified notes is achieved. It does not require the member to manually opt-in.
No, there is no additional fees to get covered by Principal Protect. It will be activated the moment set criteria are met.
Principal Protect will cover each investor up to RM10,000 (for investments of RM100,000 and below) and up to RM30,000 (for total investments above RM100,000)
Principal Protect 保障范围为RM10,000 （投资总额少于RM100,000）和RM30,000 （投资总额多于RM100,000）。
Is the cover of RM10,000 and RM30,000 on a portfolio level or on total investments made?
The cover is on total investments made regardless on number of portfolio(s) built and invested amount per portfolio.
An icon would be present at your personal homepage in the browser version whereby, it will state as to whether you have achieved at least 1 portfolio (100 Notes) under Principal Protect and if yes, the number of portfolio(s) achieved would also be indicated. You can further go to the MY INVESTMENTS, NOTES FUNDED tab to see which notes are covered under the Principal Protect and which portfolio they fall into. Basically, the system would group the notes that qualify for protection in a sequential order based on the time of disbursement of the notes. Only Notes that has been disbursed will be taken into consideration as part of Principal Protect portfolio(s).
在您的个人主页上将显示一个图标，其中将说明您在Principal Protect下是否获得了至少1个投资组合（100个标的），如果是，投资组合数量也将被显示。您可以进一步转到“我的投资”，“成功筹集的标的”选项，查看Principal Protect涵盖哪些标的以及它们所属的投资组合。 基本上，系统会根据标的的支付时间按顺序对符合保障条件的标的进行分组。 只有已经支付的标的才会被考虑作为Principal Protect投资组合的一部分。
How do I know what is my average investment amount? And what does not more than 3x deviation exactly mean?
The average investment amount is a dynamic amount derived from the total amount invested (inclusive of Fundaztic Bonus used) divided by the total number of notes already invested that has been disbursed.
For example : Total invested amount is RM14,250 and this is invested over 57 notes. Therefore, the average investment amount shown in the homepage would be RM250. As the average investment amount is RM250, only existing and future investments that are made up to a maximum of 3x of RM250, i.e. RM750 will be considered for calculation to form Principal Protect portfolio(s). Investments made on notes that exceed RM750 will be considered as “outliers” or “chunky items” which are not encouraged and would not be covered.
平均投资金额是从投资总额（包括使用的Fundaztic Bonus）除以已经支付并且已经发放给借贷企业的总数。 例如：总投资额为RM14,250，投入超过57个NOTES。 因此，主页上显示的平均投资金额为RM250。 由于平均投资金额为RM250，因此只有现有和未来的投资，最高为RM250的3倍，即RM750，将被考虑用于计算以形成Principal Protect投资组合。 对超过RM750的票据进行的投资将被视为“异常值，不受鼓励且不予承保。
If I made investments that deviated more than 3x of the average observed, would the investments be covered?
Unfortunately, it will not be covered. These investments would be deemed “outliers” or “chunky items” and affect the overall health and resilience of a portfolio. We advocate the principle of spreading of risks
thinly as possible through near equal amount of investments. This would enable planned investment sums to be distributed across more notes, helping more MSMEs and at the same time, increasing the resilience of the
However, if you wish to re-balance and make the higher than 3x amount the new average, you can do so by continuing your investments to form the next portfolio based on this amount as the new average.
For example : You have invested into 115 notes. There are 95 notes invested in sums of between RM100 – RM500 i.e. average amount if RM250. But, 20 notes were invested in sums of between RM800 – RM1000. Therefore, to quickly enjoy your 1st portfolio to be covered, you would need to invest in another 5 notes that are not more than RM750 (derived from RM250 x 3). This would then allow you to have 1 portfolio covered under Principal Protect.
As for the remaining 20 notes that were invested in sums of RM800 – RM1000 per note, it will not be covered unless, in another 80 notes, the investment amount is also within the range of RM800 – RM1000 and if higher, cannot be more than RM2700 in a note or it would result in the particular note not being covered as well.
这种情况下，该组合是不会被承保。这些投资将被视为“异常值”，并影响投资组合的整体健康和弹性。我们主张通过近乎同等数值的投资，以达到尽可能地分散风险的原则。这将使计划的投资金额能够分配到更多票据，帮助更多的中小企业，同时增加投资组合的弹性。 但是，如果您希望重新平衡你的投资组合并使新的投资组合平均值高于3倍，您可以通过继续投资以基于此金额形成下一个投资组合作为新平均值来实现。 例如：您已投入115个NOTES。投资总额为RM100至RM500的95笔票，即RM250的平均金额。但是，20个NOTES的投资金额在RM800到RM1000之间。因此，要快速享受您的第一个投资组合，您需要投资另外5个不超过RM750个NOTES（来自RM250 x 3）。这将允许您在Principal Protect下拥有1个投资组合。 至于剩余的20个NOTES，每张票据总计RM800 - RM1000，除非在另外80个NOTES中，投资金额也在RM800 - RM1000范围内，如果更高，则不能超过RM2700在一个注释中，否则将导致特定注释不被覆盖。
Can my average investment amount change from one portfolio (of 100 notes) as I build more portfolios (of 100 notes)?
Yes it can. This is because the average amount is dynamic and is somewhat re-calculated at the point of each new investment made.
For example, if you are building a new portfolio and had just invested in 1 Note and it is RM200. Your average would be RM200. Subsequently, let’s say you invest in another 5 Notes, RM100 each, your new average per last investment made would drop to RM116.66 and let's say, the next 5 Notes, you invest RM500 each, your new average after that would be RM290.91 and then, subsequently the next 89 notes, you maintain at RM100 per note. This would bring the new average to just RM121 and as the largest sum in the entire portfolio of 100 Notes is RM500, and the deviation allowed is just 3 times of the average, therefore the 5 Notes of RM500 Notes would not be covered and in this case, you would need to invest in another 5 Notes in amount not exceeding RM350 per Note to receive coverage for 1 portfolio. The 5 Notes of RM500 will be outliers of which if the occurrence of negative net safety margin is attributed to any of it, there will not be reimbursements on loss incurred.
例如，如果您正在构建一个新的投资组合，并且刚刚投资了1个NOTE，则它是RM200。你的平均价格是RM200。随后，假设您投资另外5个NOTES，每个RM100，您每次投资的新平均值将降至RM116.66，让我们说，接下来的5个NOTES，您每人投资RM500，之后的新平均值将是RM290。 91然后，接下来的89个NOTES，每个NOTES保持RM100。这将使新的平均值仅为RM121，并且整个100个票据组合中的最大金额为RM500，允许的偏差仅为平均值的3倍，因此RM500票据的5个票据不会被涵盖在此如果您需要投资另外5个NOTES，金额不超过每个NOTE RM350，以获得1个投资组合的保险。 RM500的5个NOTES将是异常值，如果negative net safety margin的发生归因于任何一个，则不会对所发生的损失进行补偿。
There are notes that are covered and some not covered in the total number of notes that I invested in. How can I check?
You may use the browser to access Fundaztic.com and then Login and go to MY INVESTMENTS and click the NOTES FUNDED tab. You will see a table which will show the Principal Protect (PP) Portfolio(s) and you can filter to find out which notes are covered and how many portfolios you have as well.
您可以登入Fundaztic.com然后点下 “我的投资“ > “成功筹集的标的”选项。 您将看到 Principal Protect (PP) 表格，该表格显示了Principal Protect（PP）投资组合，您可以使用过滤器检查那些标的是被涵盖了或没有。
YES… All notes regardless of status will be taken in to form a portfolio as long as the investment sum does not deviate more than 3x of the average.
The formula used would be total amount invested ÷ total number of notes invested in
投资总额 ÷ 标的总数量
I have invested in 300 notes. Why is it that it shows that I just have 2 Principal Protect portfolios?
我投资了300个NOTES。 为什么系统显示我只有2个Principal Protect投资组合？
One of the criteria for Principal Protect is that investments must not deviate more than 3x of the average observed. Assuming your average investment amount is RM300, any investments that are about RM900 will not be part of the notes to form a portfolio.
Principal Protect的标准之一是投资的偏差不得超过观察到的平均值的3倍。 假设您的平均投资金额为300令吉，任何约900令吉的投资都不会成为构成投资组合的票据的一部分。
Will all my Notes be qualified under the Principal Protect portfolio?
我所有 NOTES都符合Principal Protect投资组合的要求吗？
No, only investments in Notes that does not exceed 3 times the average investment amount per Note will be qualified under the Principal Protect portfolio. (Your current average investment amount can be found in your Fundaztic homepage on the browser version) E.g. Your average investment currently is RM200. Only Notes with investments up to RM600 will be qualified in your Principal Protect portfolio.
每个 NOTE只有不超过平均投资金额3倍的票据投资才能获得Principal Protect投资组合的资格。 （您当前的平均投资金额可以在您的Fundaztic主页上找到浏览器版本） 例如。 您目前的平均投资额为RM200。 你的组合中，只有投资高达RM600的Notes才能获得在Principal Protect的资格。
At the point when your Net Safety Margin (available in your Fundaztic homepage on the browser version) turns negative due to Principal Protected Notes turning bad, we will automatically reimburse your losses by the following month.
当你的Net Safety Margin（在您的Fundaztic主页上显示浏览器版本）由于因为 Principal Protected Notes变坏而变为负值时，我们将在下个月自动偿还您的损失。
The reimbursement will be paid into your Fundaztic account and will be reflected as part of “Account Balance”
I have notes that are classified as default already in my Principal Protect portfolio. Why haven’t I gotten any reimbursement?
我在Principal Protect投资组合中已经有 NOTES 被归类为违约。 为什么我没有获得任何赔偿？
Reimbursements will only be made if your net safety margin becomes negative, indicating that a loss in capital / principal has incurred. As long as your net safety margin is still positive, the Principal Protect feature
not be invoked because it means, your investments are still profitable.
When your net safety margin turns negative, the system will them check against whether the negative is triggered or caused by any note within a protected portfolio becoming default. If it is, then, payment of the amount that caused the negative will be done by the 10th working day of the following and it will then reflect in your personal homepage as part of “Account Balance”
只有当你的net safety margin变为负数时，才会进行赔偿，表明已发生资本/本金损失。 只要你的net safety margin仍为正数，就不会调用主保护功能，因为这意味着你的投资仍然有利可图。 当你的net safety margin变为负值时，系统将检查负面是否被触发或由受保护投资组合中的任何记录变为违约。 如果是，那么，导致否定的金额的支付将在下列第10个工作日完成，然后它将作为“账户余额”的一部分，并反映在您的个人主页中。
What if my losses are above the covered amount of RM10,000 (if my investments are below RM100,000) and even RM30,0000 (if my investment exceeds RM100,000)?
The likelihood of you losing any capital should you practice investing per the criteria to qualify for Principal Protect, is extremely low. Based on the current average interest rates, a portfolio is able to easily stomach between 8% - 10% of defaults + write-offs per annum before it reaches break-even point i.e. the net safety margin turning 0. As such, the maximum RM30,000 cover provided would still be able to protect a portfolio that have suffered losses from defaults + write-offs of more than 40% (based on total portfolio being RM100,000) which is highly unlikely to happen based on data observed in the last 2 years.
如果您按照标准进行投资以获得Principal Protect资格，那么您失去任何资本的可能性非常低。 根据目前的平均利率，投资组合能够在达到盈亏平衡点之前轻松承受8％-10％的违约率+每年的核销额，即 net safety margin转为0。因此，最高RM30,000 的保险仍然能够保护已经遭受违约+注销损失超过40％（基于总投资组合为RM100,000）的投资组合，根据这2年观察到的数据，这种情况极不可能发生。
What happens if a note that I have received repayment of claims subsequently makes payment on dues?
Once repayment of claims is made, the rights that an investor over a particular note would be passed over to the platform. As such, the investor will have no further risks to bear towards the note(s) and at the same time, should there be any future proceeds that might arise out of recoveries effort, the investor would also not be liable or lay any claims towards it.
一旦偿还了索赔，投资者对该 NOTE的债权人权益将被转移到平台。 因此，投资者将不会有进一步承担风险的风险，同时，如果回收债务工作所产生的任何未来收益，投资者也将不承担任何责任或对此拥有提出任何索赔的权利。