I aimed for the BMW 320i, but no luck oh.

First, xuzen is an ex PM consultant (correct me if you are still working with PB). He became an agent himself to save cost. But turn out he found it even much more profitable to DIY himself.

Haha... I never use public bank, nor will I use them until they can give me something good in return. Chinaman bank = stingy bank (FD, CC cashback, low interest account have shown). So nope. It might be one of the well managed bank in Malaysia (no denying that) but it's only good if you are shareholder. Not a consumer. Big does not mean = good. Symantec and Mcafee have the largest market share in antivirus but their products frankly suck.

Brochures and stuff don't show us the real data. Show us proof from real returns (raw . One thing I have learnt is investors care about real solid returns. And (correct me if I am wrong), they (DIY) found out that PM funds perform more or less same with DIY funds. Extra charges from PM makes the returns unattractive IF we factor in the service charge.

Return of 6-10% already include service charge or haven't?

Conspiracy? We just cannot see the benefits of paying more for something which is performing same/worse than other products in the market.

What if I were to tell you that there is a DIY investor who made RM10m? If they are not DIY investor, how can they advise people based on experience? Ya, people can talk c***. But if they present you with no and proof, how to argue?

We should all learn form the best. Accept criticism. That's how we improve our self. That's how you can get more customers. 
M = manuallife?
Precisely. Investors are looking for returns.

Good insight!
That's not the end financial year performance. Show me other ASM company's statistic from Morningstar.com too? Which you think is as negative as PMB?

Which UTC claims PMB no zero sales charge?  Your 5 years in selling, how many awards or activeness you are in?

Why people are still so concern about annual management/trustee fees? Is it because it is directly related to the expected returns? Because the management team cream off the fee from the returns? Higher annual fees will lower the expected returns, and having the lower or lowest annual fee will result in higher returns?

Higher annual fee = Lower returns.
Lower annual fee = Higher returns.

True, kah?

If like that, all the bosses in the world should never give increments, bonuses, and incentives for better productivity.
Hire CEOs with multi million salaries is a joke play on the shareholders?

What logic is that? Investors should care or no care about management fee based on market trend?

Management fee should not be in the checklist at all when considerating which fund to select.

As you said about comparing performance against benchmark... that should be in the checklist - the past track record of the fund. And rewarding the fund company by buying or not buying its fund (no buy = zero management fee, buy = full management fee) is already in place, so no need any 'compromise' fee packgage.

Can employ you for PRS manager?

AffinHwang dont have independent agents like Public Mutual.   All of them are in-house sales agents directly attached to AffinHwang.  May have to call their office to find one.

Lazy to submit all documents to FSM via email. Prefer agent to fill up the form n etc.

Nowadays nobody wants to sell PRS la. Usually only RM3K purchase. Commission so little, summore clients ah chi a chor a lot of things.....

Pay petrol, toll, parking, coffee .. Sit pun sang yi.

I OCD has to correct this  

Itu Birkin nama celebriti, jenama beg tangan sebenarnya Hermes, dari Perancis

i went to affin hwang HQ today during lunch.. all sales person out, left contact but didnt call back..
i think they not interest with PRS.. haih.. give up..
change to diff institution liao...
thinkin of either cimb or pbb...

thanks for your advices...

will see what happen when reach year 2021...

I'm in the same position and age as you, just created my FSM account and came across this new Rm1k incentive. So now i'm thinking if i should wait as well. 

I need clarification from all the sifu's here, if i'm not wrong, it has to be the first investment of minimum Rm1k to get the Rm500/1000 rebate. Second investment does not count, is that correct?

Actually, I plan to deposit RM1K to meet the requirement. Then the adviser said I can start it slowly. To obey the adviser so I deposited RM500. Technically RM500 cannot create an account but she said its ok. The RM500 its ok. I have no comment at all about this.

After two months later, I realised that I will make up RM1K to get the incentive. So I banked in the rest into KIB. Specifically RM700. Unknowingly my account has been toped up without my knowledge. (At some point I have little idea what is Account A and B). However the Account A is the amount that I personally banked in. Account B is the rest amount banked in to make up RM1K.

I just realised this when the adviser contacted me last week. Another alternative asked me to invest in Kenanga Growth Fund. Which I am not interested at all.

Today will be one week since my deposit and It does not reflected into my OnePRS Growth Fund yet.

I believe the amount is still not being input into the PRS account yet. Which irked me at sometimes.

Now I want to take out the money that I have deposited into KIB and refund the "top-up without my knowledge" to the rightful owner.

Any idea or comment guys?

I have bank in about a portion of the RM1K as I am new joiner. I have the bank transfer record receipt.

The rest of the balance of RM1K is also input in as it show a total of Account A RM692.XX, Account B RM296.XX

I use the most ancient method to deposit the cash, by using bank transfer manually according to amount that I like into KIB bank account.

As far I know I transferred only two times into KIB Bank Account. Which the first time and the second time met the RM1K requirement.

However the RM1K is met to eligible me to take the incentive without me knowing it. It is fine. But now my account have RM1K already and the second time my deposit is RM700. This RM700 technically can be put into my OnePRS account which I have no problem. But until today it has not being reflected yet in my account. So I decided to take back the RM700. I will need to give back the balance to the person who have kind hearted deposit for me to met the RM1K requirement, which is also the minimum amount to open OnePRS account.

Else, the RM700 can be put into my OnePRS account become Rm1.7k.
I am a person with integrity and commitment and I shall also give back the balance whom the person helped me to make my account RM1K.

TLDR version: I should have deposit RM1K. Which I understood the requirement is RM1K to open OnePRS Account.

There is another perk from PB Mutual: free personal accident for NAV above 5k, the more you save there, the more your folks will get.

http://www.publicmutual.com.my/prs/PRSProd...nceTakaful.aspx