Maybe end of this year I can revisit this belief with you 😉

3k tax relief is still around until assessment year 2025.

And if its a mixed asset fund, you also have bond prices falling because of spiking yields.

This post has been edited by Cubalagi: Oct 6 2023, 10:41 PM

Firstly, a fund is not a stock. A stock are the shares of companies, like Maybank, Amazon, Tesla etc. A fund is a collective investment vehicle that invest in stocks, but could also be in other things like bonds, fd etc.

A PRS is usually structured as a Fund of Funds. A fund that invest in a variety of funds.

If you are looking for a "defensive" PRS, then one objective measure is to look at annualized volatility. Look for funds that have low annualized volatility of say, below 5%. Usually these funds has "conservative" in its name.

However, these funds will have consistently low returns and in the long term is not really worth it IMO.

I think these conservative funds are only useful tactically eg to lock in profits of higher risk funds. Personally I havent been using such a tactic as my PRS investment size has been small. However, it has been growing slowly over the years and there could be a time in the future where I will be more active in switching.

This post has been edited by Cubalagi: Oct 10 2023, 09:30 PM

Assuming, that there is no bad global recession (soft landing) and that interest rate has peaked, then it should do well.

Its not the same sector.

Buying stock is buying a business and getting the present and future cash flow from the business

Buying reit is buying commercial real estate and enjoying the rental. The advantage is that no corporate tax on the rental income is charged and the dividend payout rate is 90% (usual pre condition to get the tax exempt).

What's ur current PRS fund?

Those are the asset managers not the funds itself.

But assuming yours are the equity prs, you should see some ok performance so far this year. Maybe you can consider not making any changes.

Oh..i didint know Maybank has Prs.

This is not PRS

Correct YA 2025. 2 more years, unless extended again

I only have one PRS Fund which is the AHAM Moderste Fund. This is a typical 60% equity and 40% bond fund with abt half its assets outside Malaysia but focused on Asia Pac ex Japan.



Year tondate performance is pretty good and hope it can continue to do well this year.



This is performance since fund inception which was Dec 2012. Can see that it was perfoming well in the first 8 years up to early 2021 with 80% percent return. Performance turned bad in 2021/22 and it was down more than 15%. Its low was Oct 22. Likely due to bond losses as interest rate spiked and Chinese market crash. Since end of last year, however fund value has been up strongly. Hopefully can continue back on track.

Arguably 2021 and 2022 would be a good time to top up additional investments.

This post has been edited by Cubalagi: Mar 21 2024, 08:03 AM

And I saw there was withdrawal. From Account 2? Buy high sell low case?


And kena pay tax 8% or not?

I add more than the min 3k as I also use prs as a "strategy diversifier" for my retirement savings.

First, I have my own DIY portfolio which Im the portfolio manager. Second, I also have EPF where the manager is the government appointed one. And finally, PRS which is a private sector one.

Of course, using my DIY portfolio, I try to beat the other two. However, Im open to the possibility that Im not as smart as I think I am and there could be times where these others beat me.

My PRS doing well so far this year.

Aham moderate PRS fund

Wah..there is also a 47% return 😲

That 47% was from an Aham prs fund tho.

You can look at those Conservative PRS funds.

But long term, not a good idea as performance just FD like.

See tmrrw NAV. Big swings in market last few days.

Yes of course..still 2024.