xuzen / Ramjade, may we have your thoughts on Affin Hwang Growth/Moderate funds?

Invested Gross RM1,000 in Oct'16, just before I reached 31. Haven't seen the Youth Incentive Scheme of RM500 yet. It has been +-4 months already.

Question is, how long does it usually take for the money to be given?

xuzen / Ramjade, may we have your thoughts on Affin Hwang Growth/Moderate funds?

xuzen / Ramjade, may we have your thoughts on Affin Hwang Growth/Moderate funds?

AHAM Growth = 

AHAM moderate = 

I am personally a contributor to AHAM PRS Moderate.

Xuzen

AHAM Growth = 

AHAM moderate =  :thumbsup:

I am personally a contributor to AHAM PRS Moderate.

Xuzen

Invested Gross RM1,000 in Oct'16, just before I reached 31. Haven't seen the Youth Incentive Scheme of RM500 yet. It has been +-4 months already.

Question is, how long does it usually take for the money to be given?

I thought ypu went with ponzi 2 proxy?

For specific funds in PRS, how/where do I check the actual 'Annual Management fee' charged?

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Says 'Up to.....', in the PPA website..

I cannot suggest anything for you as I have no idea who you are nor what sort of circumstances you are in. But i can share with you my train of thoughts so that you can decide whether my logic / rational suits you or not.

I) PRS to me is a very passive investment and I will not be actively monitoring it unlike my other Unit Trust Investment. It is going to be a very long term investment.

II) I participate in PRS mainly for the tax relief.

III) A large chunk of my net worth is in KWSP and it is a known fact that KWSP is mainly exposed to Malaysia stock market and bond. Indirectly my assets are mainly exposed to Malaysian stock market especially government bonds and blue chip counter and index linked stocks.

IV) as such when I invest, I will select investment tools that are not exposed to Malaysia otherwise I will unwittingly increase my concentration risk.

V) Hence, when I choose a PRS, my criteria are:

A) Preferably zero sales charge, which is a no brainer.
B) Cover as broad geographical area as possible.
C) Low risk or volatility.
D) Decent return, better or at least on par with KWSP.

Due to the above criteria, I narrow my PRS selection to Affin Hwang PRS Moderate because it satisfy A), B) & C)

Due to the above criteria, I narrow my PRS selection to CIMB Principle PRS Asia-Pac Ex Japan Equity because it satisfy A), B) & D).

With regards AMReits PRS, I reserve my participation because it is sector specific and as such being a thematic play, I will avoid it as I have to monitor it actively.

Xuzen

Hmm,  C) Low risk or volatility, what about semi high risk?

The 3 good funds
Cimb PRS Asia Pacific
AmPRS REITS
KenangaPRS one (only pick this if you are confident with Malaysian economy)

how about PB?
im new to PRS...
still considering my option..
hvnt invest any PRS yet but only have PBB in my thought now..

how about PB?
im new to PRS...
still considering my option..
hvnt invest any PRS yet but only have PBB in my thought now..

PB sucks. Pay 3% SC. If you buy PRS from FSM, it's 0% service charge.

o.. i thought PB mutual fund is doing good then the PRS will be the same too...
These are the PRS u recommend?

Cimb PRS Asia Pacific
AmPRS REITS
KenangaPRS

I cannot suggest anything for you as I have no idea who you are nor what sort of circumstances you are in. But i can share with you my train of thoughts so that you can decide whether my logic / rational suits you or not.

I) PRS to me is a very passive investment and I will not be actively monitoring it unlike my other Unit Trust Investment. It is going to be a very long term investment.

II) I participate in PRS mainly for the tax relief.

III) A large chunk of my net worth is in KWSP and it is a known fact that KWSP is mainly exposed to Malaysia stock market and bond. Indirectly my assets are mainly exposed to Malaysian stock market especially government bonds and blue chip counter and index linked stocks.

IV) as such when I invest, I will select investment tools that are not exposed to Malaysia otherwise I will unwittingly increase my concentration risk.

V) Hence, when I choose a PRS, my criteria are:

A) Preferably zero sales charge, which is a no brainer.
B) Cover as broad geographical area as possible.
C) Low risk or volatility.
D) Decent return, better or at least on par with KWSP.

Due to the above criteria, I narrow my PRS selection to Affin Hwang PRS Moderate because it satisfy A), B) & C)

Due to the above criteria, I narrow my PRS selection to CIMB Principle PRS Asia-Pac Ex Japan Equity because it satisfy A), B) & D).

With regards AMReits PRS, I reserve my participation because it is sector specific and as such being a thematic play, I will avoid it as I have to monitor it actively.

Xuzen

o.. i thought PB mutual fund is doing good then the PRS will be the same too...
These are the PRS u recommend?

Cimb PRS Asia Pacific
AmPRS REITS
KenangaPRS

Hi, I am new to PRS.
As a young investor (24 still consider young?), which PRS will you guys recommend?

I have compare multiple PRS (affinhwang, PB and kenanga) and I found that affinhwang have the best performance? (not sure)

But affinhwang has a slightly higher annual charge compare to others, is it  doesn't matter?

Need advice, thank you.