found some addition answers from this FAQs..hope it helps...
Q: HOW DO I SELL MY PRS FUNDS?
A: The withdrawal of PRS funds is only applicable to Account B after 1 year of your subscription and you may either withdraw in part or in full. For account A, you can only withdraw upon retirement age of 55.
You may login into your investment account to place a withdrawal for your PRS holdings.

EXCEPT for withdrawal due to Death of member and Permanent departure of a member from Malaysia, the withdrawal are required to be in full.

Q: WHAT ARE THE CHARGES TO SELL MY PRS FUNDS?
A: You will need to pay a tax penalty of 8% to Inland Revenue Board of Malaysia. As for PPA pre-retirement withdrawal fee of RM25, the fees is waived by PPA until further notice.

Q: UPON REACHING THE AGE OF 55, DO I STILL NEED TO BEAR THE WITHDRAWAL COST?
A: No, you are NOT required to pay the 8% to Inland Revenue Board of Malaysia and PPA pre-retirement withdrawal fee of RM25 per transaction.The withdrawal can be in part or in full.
You can withdraw both your investments in account A and account B at any time.

http://www.fundsupermart.com.my/main/faq/faq.svdo?id=8865#16

I wonder if I have PRS oledi, can I buy a new fund from other bank thru FSM or not. U did this before??

Ok. Currently I had invested on RHB PRS Fund and nowadays it doesn't looks good.

http://gllt.morningstar.com/e6qvxuu98r/sna...oken=F00000Q4KA]2]1]FOALL$$ALL_2271&Id=F00000Q4KA&ClientFund=1&BaseCurrencyId=MYR&CurrencyId=MYR&LanguageId=en-GB

Now I'm thinking of getting from another provider.

CIMB Islamic PRS Plus Growth - Class A
Kenanga OnePRS Growth Fun
Public Mutual PRS Growth Fund

Which do you think I should pick? I think their growth looks good (Unless I read it wrongly. Did I?)

http://gllt.morningstar.com/e6qvxuu98r/sna...oken=F00000Q3RS]2]1]FOALL$$ALL_2271&Id=F00000Q3RS&ClientFund=1&BaseCurrencyId=MYR&CurrencyId=MYR&LanguageId=en-GB

http://gllt.morningstar.com/e6qvxuu98r/sna...oken=F00000QTAS]2]1]FOALL$$ALL_2271&Id=F00000QTAS&ClientFund=1&BaseCurrencyId=MYR&CurrencyId=MYR&LanguageId=en-GB

http://gllt.morningstar.com/e6qvxuu98r/sna...oken=F00000Q47A]2]1]FOALL$$ALL_2271&Id=F00000Q47A&ClientFund=1&BaseCurrencyId=MYR&CurrencyId=MYR&LanguageId=en-GB

No i have not done that before...i did not buy from FSM..
Yes you can buy from new fund from other bank or thru FSM even though you already have PRS fund from other PRS providers

Buy those that are risk rated according to your risk appetite.
here is a blog that managed to compile the performance of the PRS fund..as at May 2015
http://invest-made-easy.blogspot.com/2015/...of-6th-may.html

Wanna try this..more diversified can supplement your existing PRS fund allocation...??
CIMB-PRINCIPAL PRS PLUS ASIA PACIFIC EX JAPAN EQUITY - CLASS C
http://www.fundsupermart.com.my/main/fundi...umber=MYCPPRS5C

<off topic warning>
this is Malaysia - anything pun boleh lar bro
U scratch my back, i scratch your back biz - straight from the playbook of the fellow

Can ask your agent to teach you..

If you want to buy PRS, you should buy only RM3000 in the month of December every year until the year of assessment 2021. This will give you individual tax relief

Why Only the month of December.....other months got no individual tax relief?

If investor buy PRS from Jan to Dec 15, he/she can claim relief for YA2015

but d0j0b in post # 1008 mentioned this wor....

He/she just want to capitalize on opportunity cost

ohhhh, but in UTs he/she should know that it could go either way too...
ex...May~ Nov the Nav could have gone up then stayed flat for another year from Dec
(Those that bought in May reaped the Increases)

and that post in 1008 seems "not correct"

This post has been edited by T231H: Jun 23 2015, 11:29 AM

Perhaps he/she refers to UT - Bond Fund which have min volatility

perhaps
But...given PRS conservative...most have annualised returns of < 3% in 2 yrs....

This post has been edited by T231H: Jun 23 2015, 12:53 PM

http://gllt.morningstar.com/e6qvxuu98r/sna...oken=F00000Q3RK]2]1]FOALL$$ALL_2271&Id=F00000Q3RK&ClientFund=1&BaseCurrencyId=MYR&CurrencyId=MYR&LanguageId=en-GB

Looks good yklooi, but it's droping on the Annual Returns (%).

2013 2014 2015
18.69 17.62 10.35

Anyway 10% is good also. Same annual charges of 1.5% and trustee fee of 0.04% p.a.

Wan to try also. I already ask too. We can get any provider as long we oledi have PPA account.

Just buy only, as by the time it reached 2nd year, it will be single digit yield

very good possibility....
Jan 30 till June 22 = < 4% YTD returns

This post has been edited by yklooi: Jun 23 2015, 03:59 PM


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Yah. Possible. But really sigh that PRS only those growth fund is ok. Other like Moderate and Conservative really kind of sux.

IMO, PRS is like UT but it's like long term. How well it perform and will we get more return when we retired is a big question for me. Who know's by the time economy made the value drop back to 50sen. Hopefully not.

From most of the old timers I met that has too much money to dump, non of them make profit of > 1% gain for 20 years run, except my uncle and auntie that are selling which makes > 10% for period of 10 years
All the funds are black box operations, so you won't really knows how it is being operated.
Like annuities, in front they can make hell of returns, but after I cash it out and put back to EPF, after all the calculations, it is only 1/5 of what EPF average dividend yield
Annuities that I dump is governed by government and shall have fixed dividend yield of 5%, so they just make sure it is at 5% only but they still charge admin fees every year.
The main difference on PRS over ponzi scheme is, PRS are legalized by government while ponzi scheme legalized by politicians. Ponzi scheme will blow when certain amount reached while PRS won't blow but will devalue by itself.

This post has been edited by supersound: Jun 23 2015, 05:02 PM

PRS is legalized by Government but manage my others. To me, I feel it's like a UT which legalized by government with some kind of guaranteed performance. We can't tell if it's guaranteed coz even UT we don't invest long also coz the price may fall anytime and u get nothing back.

Another part I don't like about PRS is the management fee by PPA but as long my providor is performing well then it's ok. But will that continue performing well after years to come is a question.