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 Private Retirement Fund, What the hell is that??

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onthefly
post Apr 21 2021, 03:51 PM

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QUOTE(avinlim @ Apr 21 2021, 11:55 AM)
Whats best buy for PRS fund now?
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if u look at pass records, the top is Principle PRS Asia Pacific ex Jap over 7 years
https://www.ppa.my/wp-content/uploads/2021/...ll-Mar_2021.pdf

not a buy call. just recommendation

This post has been edited by onthefly: Apr 21 2021, 03:51 PM
onthefly
post Apr 21 2021, 11:22 PM

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QUOTE(avinlim @ Apr 21 2021, 05:33 PM)
for me la...i am not these expert...but I hantam all growth fund. every year buy 3000 different growth fund...haha...thats it.
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hope u didnt hantam RHB growth fund. They are losing money sweat.gif
onthefly
post Apr 22 2021, 09:13 AM

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QUOTE(Ramjade @ Apr 21 2021, 11:27 PM)
Should just stick with one fund instead of many. No point saving RM8.00 for subpar funds.
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which fund ? laugh.gif
onthefly
post Jul 21 2021, 01:01 PM

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how is reit doing good now ?
onthefly
post Sep 5 2021, 03:57 PM

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QUOTE(jorgsacul @ Sep 5 2021, 02:06 PM)
Now can see which prs to avoid 🤭
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you can always see it from other sources like Morningstar, FSMONE or even PPA itself.

This post has been edited by onthefly: Sep 5 2021, 03:58 PM
onthefly
post Sep 21 2021, 12:52 AM

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QUOTE(CoronaV @ Sep 20 2021, 02:45 PM)
Is this good time to top up for tax relief?
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if you plan to keep for long term. yesterday was good time. tongue.gif

onthefly
post Dec 15 2021, 11:38 PM

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thanks for sharing the numbers. thumbsup.gif
to me not much different.
So focus more to fund performance.

This post has been edited by onthefly: Dec 15 2021, 11:38 PM
onthefly
post Sep 5 2022, 10:15 PM

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QUOTE(cklimm @ Sep 5 2022, 07:56 PM)
user posted image
https://www.fsmone.com.my/funds/research/ar...edits?src=funds

Okay guys. here it comes again, what to buy, and when, this time?
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29th November 2022
haha
onthefly
post Sep 22 2022, 10:31 PM

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QUOTE(Ramjade @ Sep 22 2022, 04:38 PM)
It doesn't exist as part of PRS is they want you to support bursa.
The best one is still principal Asia dynamic income PRS.
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Dont see Principle asia dynamic income PRS hmm.gif
https://www.ppa.my/wp-content/uploads/2022/...ept-22-full.pdf


onthefly
post Sep 25 2022, 11:11 PM

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QUOTE(azlim @ Sep 25 2022, 11:02 PM)
RHB one all negative negative negative, can like that mehh?
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There is always risk in any investment

onthefly
post Sep 27 2022, 01:04 AM

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QUOTE(arsenal @ Sep 26 2022, 02:10 PM)
what prs worth to buy at the moment?
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Have a look into this table
https://www.ppa.my/wp-content/uploads/2022/...ept-22-full.pdf

Look at long term as PRS is designed for
onthefly
post Dec 24 2022, 02:03 AM

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QUOTE(wongmunkeong @ Dec 23 2022, 12:34 PM)
laugh.gif Funny when there's a Shopee or Lazada 11.11 or Black Friday discount sale, lots of people wanna buy
BUT
when shares in good businesses go on discount sale, people run away or sell their existing holdings
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This is a bad comparison
onthefly
post Dec 24 2022, 02:17 AM

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QUOTE(Ramjade @ Dec 24 2022, 02:05 AM)
Why is this a bad comparison. It's the correct comparison.
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In my view,
Items are tangible. They are bought for consumption or to be used. They have "fair value" or normal price
On the other hand, piece of business or shares are intangible and are owned as investment.

I get the idea, just that its a bad comparison if think objectively.
onthefly
post Dec 30 2022, 11:43 PM

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QUOTE(guy3288 @ Dec 29 2022, 06:40 PM)
If my PRS is turning negative then  only can say what for buy PRS.
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Can share how long you invested for your PRS ?

I think ppl overthink on PRS
Just take the positive sides - Get tax rebate and hopefully get 8-10% annually return.



onthefly
post Mar 27 2023, 09:54 PM

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QUOTE(nexona88 @ Mar 27 2023, 03:53 PM)
Which are those 2-3 good PRS funds u talking about?

hmm.gif  confused.gif
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https://www.ppa.my/wp-content/uploads/2023/...l-PRS-Funds.pdf

Have a look here for PRS list and its performance.

onthefly
post Mar 27 2023, 09:58 PM

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woah what's up with AmPRS - Islamic Fixed Income D
so big loss
onthefly
post Mar 27 2023, 10:59 PM

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QUOTE(Ramjade @ Mar 27 2023, 10:04 PM)
Interest rate going up. Bond price goes down as yield goes up.
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https://www.fsmone.com.my/admin/buy/factshe...eetMYAMPRSI.pdf

its a super bad fund. its not making money since 2018 or older
how to find who is the fund manager.

found under Investment Committee
https://www.fsmone.com.my/admin/buy/reports...rtsMYAMPRSI.pdf



This post has been edited by onthefly: Mar 27 2023, 11:02 PM
onthefly
post Nov 11 2023, 11:49 PM

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QUOTE(cweng93 @ Nov 11 2023, 11:19 PM)
Is public mutual's PRS Islamic Growth Fund similar to FSM's PRS Principal Islamic Growth Fund ?
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do you mean public mutual PRS versus Versa PRS ?
Anyway check the factsheet to see if similiar or not
onthefly
post Nov 26 2023, 12:47 AM

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PRS really not much choice
onthefly
post Mar 19 2024, 03:45 PM

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QUOTE(mynewuser @ Mar 14 2024, 08:32 AM)
Any idea how the interest being calculate.

I invest in PRS for 9 year. But the total interest earn is only 7% for the whole 9 year period. Mean every year interest earn less than 1%. How about others?
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This is disappointing.

QUOTE(mynewuser @ Mar 15 2024, 08:01 AM)
I think this plan will ask us to contribute fix amt till certain year. Else we will not able to enjoy any cash return.
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Normally first N years to put in, then no need already.
Suggest to check exactly then withdraw & put into money market first while you find a more longer term to put.
let me know if need some info on money market. There plenty out there like KDI,Versa, etc. Safe bet is EPF

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