Can know that 3k of tax relief equal to?

It depends on your tax bracket.

Read "Below is an example on tax relief." at
https://www.fundsupermart.com.my/main/resea...s-Benefits-2965

between those 8, which one the best to invest in?

unknown by what do you actually mean by "best"....
if you are referring to the historical performance...
i googled and found this..hope it can help...
http://gllt.morningstar.com/e6qvxuu98r/fun...B&tab=ShortTerm

I screen the funds by their asset allocation and rating to choose.

newbie here , any advice, if buy in one lump sum or every month put in some money?and what fund is the best?thks you

For PRS, max you buy only RM3k. Don't buy more.
Put in RM3k - market crash, your return langsung (-)
Put in RM3k over period of time, get average returns.

Of course if you can time the market, different story.

Depend on your need. You want fund which invest only in Malaysia or other countries...

Firstly, go to Fundsupermart to do the Risk Profiling Questionnaire and find out what type of investor are you (Conservative, Moderate or Aggressive). Click HERE to find out.

After you found out your risk profile, then you can choose any suitable categories of PRS funds that are based on your risk profile. But of course it's still your choice to choose the higher risk fund. PM me if you want to have the PRS funds performance summary which serve as a guide and references for you in choosing a suitable fund. Thank you!

Save time...no need to PM....
Historical Performance data can be available by this link

Great, thanks MUM for the humble sharing

thks..then after check out the historical performance data,..does it means that i buy the highest return fund will be more safer? should i buy in one lump sum rm3k per year or should every month put in some money to buy the fund?first time investment..

Like I said. You want malaysia only ke/outside malaysia/real estate ke?
If you are feeling lucky with RM3k, why not?

"does it means that i buy the highest return fund will be more safer?"
The NAV price of a fund may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment.
Past performance is not necessarily indicative of the future or likely performance of the fund.
An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position

How do I decide which Private Retirement Scheme (PRS) to invest in?
Your choice and decision should be made based on your goals, risk tolerance, investment time horizon, knowledge and experience.
Different PRS invest in different asset classes, markets and sectors, depending on the investment objective and strategy of that particular fund.
Consequently, they also have different levels of risks and returns.

You may select any one or a combination of funds based on asset classes, asset allocation, conventional or shariah-based funds as well as local or offshore funds.
Alternatively, if you do not wish to select a fund, your contribution by default, will be invested into a fund based on your age group based on default option (age-based funds).

https://www.citibank.com.my/english/docs/pd..._experience.pdf

Disclaimer:
This post does not constitute an investment recommendation. No person should rely on the content and/or act on the basis of any matter contained in this post without obtaining specific professional advice.
Investment involves risk. The NAV price of a fund may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment. Past performance is not necessarily indicative of the future or likely performance of the fund. Investors should read the relevant fund's prospectus for details before making any investment decision. An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.

This post has been edited by T231H: Apr 7 2017, 07:03 PM

Oh...dun have much experience on this..I think every where also can if can have good return..dun have any rough idea..

The prs fund got give any dividend every year?after I had invest for one year, and I stop after that, does the money that I put didn't grow at all if no dividend given,and just hope for the NAV to go up? If put into fed,at least still got some interest every year ,right?

the dividend distribution before and after does not make any changes to your available value in the fund.
before dividend you have RM10000 in the fund
after dividend you will have RM10000 (approximately) in the fund too

during dividend distribution...you get extra units but the fund price (NAV) would drops to reflect the extra units given to you....

so you think about it...

Oh....that means my hope is that the NAV to go up in the future until retirement by buying the prs fund....

many data shows that historically equities mkts goes up in the long run....
so based on past records...the value of your investment are expected to go up till retirement....just that maybe when the time you wanted to get the money out...it was a bear periods.

normally for funds that has distribution policy...there is a limit to the fund's NAV up side...cannot goes up and up.....bcos,...during distribution exercise, the NAV will drops....
so your best bet would be, get the extra units during distribution, then hope that the NAV would goes up again before the next distribution.....and hope that this cycle would be repeated again and again until retirement

You need to decide. Different region different risk/different expected return.

alex802, you must understand the above so that don't get cheated by agents/marketing people. Also, you decide whether you want to buy from FSM malaysia or buy from agents/banks.

Can u give any advice on this ? Moderate return is enough (different region)....what difference buy from bank/agent and FSM?is it the charges?