Ramjade

For this year, which PRS fund do you invest in?

Between Principal PRS Plus Principal RetireEasy 2050 - Class C, and AIA PAM - Growth Fund?

Thank you.

Thank you.

The price of Principal PRS RetireEasy 2050 is quite high lately, so I just wait for the price to drop down, before I invest in this PRS fund.

I may not get the lowest price, but it is fine. I can wait till the end of this year.

For this year, is the recommended PRS fund still Principal PRS Plus Principal RetireEasy 2050 - Class C?

My objective is to obtain the highest return.

I can tolerate the risk of the potential drastic drop in the NAV of the PRS fund, as long as the return should be the highest many years later.

For this year, I have invested RM 2k in Principal PRS Plus Principal RetireEasy 2050 - Class C.


In order to obtain to personal tax relief of RM 3k, I need to invest another RM 1k in that PRS.


The issue is that the NAV of Principal PRS Plus Principal RetireEasy 2050 - Class C is highest year-to-date.


Initially, I want to wait for its NAV to decrease, before I invest the remaining RM 1k.


However, its NAV keeps on increasing, and is good for those who who want to withdraw from the PRS at age 55 or above for retirement.


For someone like me who is many years away from retirement, it is painful to perform additional investment into that PRS.


Hopefully, by the end of this year, there will be a period of lower NAV, for me to perform additional investment into that PRS.

How frequent do you invest in PRS?

Do you perform lump sum RM 3k investment in the beginning of the year, or do you invest RM 250 every month (as you said, ignoring whether the NAV is high or low)?


I invested RM 1k in the beginning of this year, and another RM 1k in April.

This post has been edited by kart: Aug 28 2025, 04:00 PM