to see and compare the funds performance...try see this....
http://www.ppa.my/getting-started/funds-re...nd-performance/

but please be aware of some of these commonly provided disclaimer:
Investment involves risk.
The price of securities may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment.
Past performance is not necessarily indicative of the future or likely performance of the fund.
Investors should read the relevant fund's prospectus for details before making any investment decision.
An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.


to see the personal opinion of one of the fellow forummer which was posted recently about his choice of PRS funds and why....try see page 101, post 2016

on the matter of slightly higher annual charge compared to others...I personally does not mind b'cos I am only interested in the performance of the fund when compared against its similar mandated funds.

This post has been edited by T231H: Feb 21 2017, 04:25 AM

there is no basis to say that the age of a person determine the type of fund one should have.....thus i think it is not correct to say growth funds are mainly for investor below the age of 40.
the nearest i can put is the % of one's asset that are allocated to it....this too is most probably not correct too.

Growth funds are mostly...To provide unit holders with long term capital growth by investing principally in equities.

Core and non core funds are used by FSM to advise investor to distinguish the type of funds for a portfolio when trying to do the % of allocation....
"Investors should use a core and supplementary portfolio strategy for effective diversification. The core portfolio must be diversified with foreign funds while the supplementary portfolio holds any funds which allow you to act on market views that you may have."

Maximise Returns While Minimising Risk With A Core And Supplementary Portfolio

https://www.fundsupermart.com.my/main/resea...y-Portfolio--59

while waiting for responses...you may like to know that, PRS funds is UT funds...thus dividend distribution in UT has no added benefits...it did not add value to your existing value in the UT fund....
(you just got more units but the NAV would drop at about the same value)

so mind to share which one do you intend to pick next month?

....
Next time,.. may I suggest explain more lah...else others may simple shoots other views or uses wrong analogy which is NOT good.

Distribution is distributing of asset which includes profits if any after minus other liabilities...

What is the net asset value (NAV)?

The price of each unit is based on the fund’s net asset value (NAV) divided by the number of units outstanding. The NAV of a fund is the market value of the fund's net assets (investments, cash and other assets minus expenses, payables and other liabilities). The NAV is usually computed daily to reflect changes in the prices of the investments held by the fund.

What is the return?
You invest in a fund by buying units in the fund. There is capital gain when the price of the units rises above the price you paid for the fund.
Some funds pay dividends, in terms of units which are reinvested (before distribution you have RM 1000 current value, after distribution you still have RM1000 in it....bcos you got extra units but at lesser NAV).

If nothing is changed on that day of distribution.....the NAV of that fund would drops to reflects the distributed amount....I think we get back abit less cos need to pay govt taxes.....if no distribution no pay taxes thus more in own asset?

in short...distribution is "Left pocket money goes into right pocket" (abit of cents are dropped in that process)(govt taxes, extra cost incurred due to distribution & other extra operational expenses)

so TS, what do you think about this?..."will the distribution taken into consideration while choosing a fund?"

do you think the analogy of buying and renting a house is correct?

if still want to use that analogy,...just add this to it, ...all the rental collected will be used to pay for the repairs, lawyer/agent fees, etc, etc.....Left pocket money goes into right pocket...

This post has been edited by T231H: Mar 22 2017, 08:11 AM

just a note...
"Past performance is not necessarily indicative of the future or likely performance of the fund"

anyway, some investors would say
"age" should not be used to determine a fund selection

while other would suggest, those below 30 yrs old should be more aggressive in their fund selection, bcos of longer investment horizon...

anyway, the choice is still yours cos you should know yourself better..."Good Luck & May the odds be with you forever".
happy investing

unknown by what do you actually mean by "best"....
if you are referring to the historical performance...
i googled and found this..hope it can help...
http://gllt.morningstar.com/e6qvxuu98r/fun...B&tab=ShortTerm

"does it means that i buy the highest return fund will be more safer?"
The NAV price of a fund may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment.
Past performance is not necessarily indicative of the future or likely performance of the fund.
An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position

How do I decide which Private Retirement Scheme (PRS) to invest in?
Your choice and decision should be made based on your goals, risk tolerance, investment time horizon, knowledge and experience.
Different PRS invest in different asset classes, markets and sectors, depending on the investment objective and strategy of that particular fund.
Consequently, they also have different levels of risks and returns.

You may select any one or a combination of funds based on asset classes, asset allocation, conventional or shariah-based funds as well as local or offshore funds.
Alternatively, if you do not wish to select a fund, your contribution by default, will be invested into a fund based on your age group based on default option (age-based funds).

https://www.citibank.com.my/english/docs/pd..._experience.pdf

Disclaimer:
This post does not constitute an investment recommendation. No person should rely on the content and/or act on the basis of any matter contained in this post without obtaining specific professional advice.
Investment involves risk. The NAV price of a fund may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment. Past performance is not necessarily indicative of the future or likely performance of the fund. Investors should read the relevant fund's prospectus for details before making any investment decision. An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.

This post has been edited by T231H: Apr 7 2017, 07:03 PM

the dividend distribution before and after does not make any changes to your available value in the fund.
before dividend you have RM10000 in the fund
after dividend you will have RM10000 (approximately) in the fund too

during dividend distribution...you get extra units but the fund price (NAV) would drops to reflect the extra units given to you....

so you think about it...

many data shows that historically equities mkts goes up in the long run....
so based on past records...the value of your investment are expected to go up till retirement....just that maybe when the time you wanted to get the money out...it was a bear periods.

normally for funds that has distribution policy...there is a limit to the fund's NAV up side...cannot goes up and up.....bcos,...during distribution exercise, the NAV will drops....
so your best bet would be, get the extra units during distribution, then hope that the NAV would goes up again before the next distribution.....and hope that this cycle would be repeated again and again until retirement

"Past performance is not an indication of possible future or would be continued performance of the fund".
If not sure....best is seek professionals advices......they can in collaboration with you, access your needs; concerns, risk profiles......it is free...if you know where to get them....
If don't know, can try fsm my.☺

This post has been edited by T231H: Apr 8 2017, 07:23 PM

I think tis link can provide some, most or all the answer to your questions

https://www.fundsupermart.com.my/main/faq/1...cheme-PRS--8865

btw, this RM1k things from the govt is called PRS Youth Incentives.....they have some conditions...

read the links....if still not understand try questions here again...ok?

good that you had managed to find the answers to what you seek.
good luck and happy investing in PRS funds and BEYOND

read back few postings from this page....some sifus said max is RM3k per year is recommended for PRS fund.
thus about RM 250 per month...which would be about ........% of my income.

what about a conservative PRS sort of act like a FI fund which you don't have?

Q: IF I HAVE RECEIVED THE PRS YOUTH INCENTIVE OF RM500, CAN I RECEIVE AGAIN UNDER THE NEW PRS ENHANCEMENT?

A: No. The PRS youth incentive is a one-off incentive.
If you have received the RM500 incentive previously, you will not entitled for the incentive under the new PRS enhancement.

https://www.fundsupermart.com.my/main/faq/1...me-PRS--8865#28

Q: IF I HAVE RECEIVED THE PRS YOUTH INCENTIVE OF RM500, CAN I RECEIVE AGAIN UNDER THE NEW PRS ENHANCEMENT?

A: No. The PRS youth incentive is a one-off incentive.
If you have received the RM500 incentive previously, you will not entitled for the incentive under the new PRS enhancement.

https://www.fundsupermart.com.my/main/faq/1...me-PRS--8865#28

Q: IF I HAVE RECEIVED THE PRS YOUTH INCENTIVE OF RM500, CAN I RECEIVE AGAIN UNDER THE NEW PRS ENHANCEMENT?

A: No. The PRS youth incentive is a one-off incentive.
If you have received the RM500 incentive previously, you will not entitled for the incentive under the new PRS enhancement.

https://www.fundsupermart.com.my/main/faq/1...me-PRS--8865#28

Yes, the link is correct and

Q: How do I open an investment account?
A:
https://www.fundsupermart.com.my/main/faq/0...ng-Started-8660

Q:How do I receive the RM1000 incentive?
A:
https://www.fundsupermart.com.my/main/faq/1...me-PRS--8865#30

This post has been edited by T231H: Apr 13 2017, 08:42 AM

Tis type of thing...may i suggest you don't seek confirmation in forums or thru phone....bcos maybe not updated, not so reliable, no records....why not email to FSM....if n when they response...keep that as a records