IF the right PRS horse is selected......the returns are much more than that..

who knows how it goes....but you have 2 better chances of winning.....
if your selected horse win. you won + RM 8 (you saved earlier)
if your selected horse is neck to neck, you won RM 8 (you saved earlier)
if your selected horse lose, you lose

while waiting you may try this site if you want...
Top Performing PRS Funds as of 6th May 2015
http://invest-made-easy.blogspot.com/2015/...of-6th-may.html

there was a post in 967, page 49
on this PM PRS funds....
how to calculate?
....found this...hope it is useful...(for an estimated (roughly) results)
http://invest.com.my/personal/learn/basics...ticle_id=100102

This post has been edited by T231H: Jun 20 2015, 11:57 PM

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

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

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
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

lists of approved prs providers
http://www.ppa.my/prs/about-prs/prs-providers/
http://www.sc.com.my/list-of-prs-providers/

I think the HL one is the Deferred annuity plan
which you can also get the tax relief.....btw...the tax relief is till 2021 only...
http://www.fundsupermart.com.my/main/resea...?articleNo=4029

What’s the Difference of Private Retirement Scheme and Deferred Annuity Plan?
Read More http://kclau.com/retirement/prs-da/ - See more at: http://kclau.com/retirement/prs-da/#sthash.Sa4jNMb5.dpuf

With the PRS, you are not committed to contribute a fixed sum of money to the fund annually, ie. which means that you have greater flexibility in determining how much you want to contribute to the fund, if you are the type who are not overly concerned about the personal relief for tax purposes. While in the case of the deferred annuity scheme, you would have committed yourself to contribute a fixed amount (say, RM3,000) for the next 10 years.

http://malaysiantaxation101.com/2013/01/pe...ferred-annuity/

are there any guarantee and non guarantee parts?
did he/she combine both the guarantee and non guarantee parts together?

more on this at...
http://www.ppa.my/prs/joining-prs/what-should-i-consider/
http://www.fundsupermart.com.my/main/resea...?articleNo=2965

CAPITAL PROTECTED FUNDS
YOU CAN MAKE THEM YOURSELF!
https://secure.fundsupermart.com/main/resea...5?articleNo=847

is "Capital Protected Funds" = Inflation Protected Funds ?
What is the purposes of your investments?
Protect your capital? or Protect your available money against inflation? or Maximising the efficiencies to maximise the ROI?

Never forget the below (just some of the longer lists)
Does the product I am considering meet my investment objective and needs?
What is my investment objective? For example, is it to accumulate funds for my retirement or for my children's education? How much funds do I need and when do I need them?
How much return on investment do I need, after taking into consideration the effects of inflation, to meet my investment objective?
Am I comfortable with the level of risk that comes with the product I am considering? How much losses am I prepared to incur? What are the potential losses in the worst-case scenario for the product I am considering?

There is no one best investment product for everyone. What is important is to determine your investment objective and needs, then assess which product is suitable for you.

Do not rush through the process. Take time to understand the product and consider whether it meets your needs before you finalise your decision. Read all documents and forms before you sign anything. Never sign blank forms. Remember that you may have to bear fees, expenses and/or investment losses if you change your mind about purchasing the product, or decide to sell it or switch to another product prematurely. It may also be too late to reverse your purchase decision if you subsequently find that the product is not suitable (e.g. the investment risk is higher than what you are prepared to take, the protection benefits provided are not what you need).


This post has been edited by T231H: Sep 23 2015, 08:12 AM

while waiting for more value added responses...I found this while googling....
hope it helps...
What happens to the PRS investments upon sudden death?
Beneficiary nomination is not permitted under the law for PRS and in the event of death, the PRS monies will return to the estate of the deceased member to be distributed in accordance to the instruction of the probate court.

What documents are required for withdrawal due to death?
For pre-retirement withdrawals due to death or permanent departure from Malaysia, the following information and a copy of the following supporting documents must be sent to the PRS Provider as soon as reasonably possible. Prior authorization by the PPA is required for pre-retirement withdrawals due to death.
http://www.ppa.my/prs/about-prs/prs-scheme-features/

interest rate per annum?

PRS is sort of Unit trust investment......they don't pay interest to you.
they are not guaranteed products like Bank Fixed Deposit.
Your investment in PRS carries investment risks...

Is the investment into PRS guaranteed by the government or does it have a minimum dividend policy?

PRS investments are not guaranteed and it does not have any statutory minimum dividend policy. You are advised to read and understand the Disclosure Document and Product Highlights Sheet to understand the risks involved before investing into a PRS.

http://www.ppa.my/prs/prs-faqs/

Attached image(s)

normal individual contribution Sales Charge = 0% for PRS under FSM as listed
http://www.fundsupermart.com.my/main/prs/g...tePRSTable.svdo

deleted...wrong assumption interpreted.

This post has been edited by T231H: Nov 30 2015, 12:14 PM

do you mean if i buy from other party, the bank would charge + the other party would also charge me?
check at the link provided earlier to see if that can clears you up.

stated "Market value"...the NAV dropped