Thank, bro

just like bro Ram said , yes

i use DCA since the first time in PRS until now....

but my method diff a bit than bro Ram.

i DCA monthly about 150, others 100 i parking in CMF2......if the dip come i will aggressively topping...

if come again , i top again......until i reach 3k....then sayonara........jumpa lagi tahun depan.

i will make sure my PRS finish topping by end of November, i dun like last minute topping....

### normally i will making my first transaction for PRS early year (january) with 50 only.....when my acc successfully create , i wait the timing/chances......

This post has been edited by ironman16: May 16 2021, 02:05 PM

sorry, my bad.

just one .....bcoz i buy in different PRS.....so i gonna mail the doc to FSM first (bcoz im from the state that ppl live on the tree, we dun have transport but we use croc )

if u ppl stick with one PRS, sure any time can buy......

This post has been edited by ironman16: May 16 2021, 02:21 PM

go with FSM oso same , just the middle man is FSM.....

unless u wan public punya .....

Yup, u right

sorry , just curious....

why u wanna pay the administration fee (rm0.5 each time u top through PPA) when u can get rm0 administration fee (through others platfrom) ?

just wanna make sure u know what u doing aje

Ur steps should b correct, account PPA with create after u purchase the prs fund. PPA only help u redirect to prs fund provider aje, just like fsm do.

This post has been edited by ironman16: May 27 2021, 06:18 PM

Eunittrust,

Why don't wan fsm? 🤔

This post has been edited by ironman16: May 27 2021, 06:41 PM

if u wanna use PPA to buy PRS, make sure u top 3k in one shot, bcoz pay rm0.5 one time only....

for me.....buy through PPA/FSM/Eunitrust/ ......all the same (bcoz oso get ur PPA account number) , they r middle man (agent) ....when u retired oledi, make sure find back the correcct agent (middle man)........

If same fund bought through PPA, FSM or Eunittrust, will receive separate statement or just one statement directly from PRS provider?
i not sure this situation ...bcoz i only buy from FSM ......easy for me when i'm retire later.....

every time when i buy PRS, i will get transaction receipt from FSM, but cant use it as proof for LHDN in the coming year (some taiko mention in this forum).
But i will receive statement from Fund Provider at year end/ early year in the coming year (i will kepp it for LHDN purpose )

so , may b (i just said may b) u will receive diff transaction receipt from middle man BUT one statement only form ur fund house provider .....

Mana2 tempat u open acc oso same. Rm 8 waive for first year each fund house

last year my Public mutual mcm makan viagra.....u wan try ?

last year my public fund which rally after covid is Msia based punya (i flip2 the fund factsheet bcoz got glove stock)......

this year still wanna bet on it ?

This post has been edited by ironman16: May 28 2021, 09:58 PM

hope my United Msia still rally .....

no la.....FSM fund...

my public mutual mostly is regional UT.....not need switching too much....let it auto pilot aje.....

Mostly prs is 0% sales charge, except public.
Last time top through ppa gonna charge rm1/transaction.

If they waive u rm10 still worth lt
Theoretical, after u get ur ppa number, u go mana2 tempat buy oso can.

Rm10 is for account opening, since if u oledi got ppa account, I think should b not need. Try msg fsm ask about this Rm10 matter, they know better than me.

why dun try flip2 this choices:

Principal PRS Plus Asia Pac Ex Jpn Eq A
Affin Hwang PRS Growth

https://www.ppa.my/prs-providers/prs-funds-information/
https://www.ppa.my/wp-content/uploads/2021/...e_May2021v2.pdf

kasi u link, can do research a bit.....

16? U just too young la..... Not worth for the prs I think.

.......i though he mention he only 16 bcoz i saw IM 16

## now i know ironman can be use as IM

This post has been edited by ironman16: Jul 5 2021, 08:06 PM

🤣
Oledi be mention.
Fsm got promo now, can flip2 their recommended fund
Eunitrust oso can try if got bigger budget, frequently offer 0% sales charge.
Stashaway, Akru, Wahed,...... Auto robo advisor.
Opus touch specialist in bond n mmf.
Allocate plus by affin hwang oso not bad.

All the best

management fee is charge by fund house , cannot escape punya.....

Beside that, must aware this fee oso.



Account opening RM10.....is MUST, but got ppl said open through PPA website is waive for this moment

Annual fee RM8 .....no charge during the FIRST year with that particular Fund house, so some ppl choose different fund house YEARLY, but sifu @Ramjade said just stick with the BEST , RM8 is nothing if that PRS fund can help u offset the fee.

MOSTLY PRS that offer at FSM/eunitrust is 0% ....buy through PPA will chrage u RM1/transaction (not sure got waive at this moment or not)
FSM/eunitrust got many choices except public punya......if u survey/research, u will notice that Public PRS is performing recently bcoz last year, they eat viagra...