account opening fee is u open the account that start with PPA<urs IC>......after u open the acc, if u go FSM invest, no need pay oledi , just give them ur PPA number (i think this is the cost effectively way )
if this year u buy through PPA, better just stick with it....BUT one buy in a few SHOT aje bcoz transaction fee.
Wanna buy for the first time through PPA (got waive the RM10), after acc open n buy one time, go FSM continue......not sure can or not......wanna try ?

not need go thru PPA oso ok, go to public /PMO just purchase their PRS....but 3% sales charge ...

remember stick to ONE PRS fund only each year......wanna buy 5 PRS fund this year oso can BUT not worth.....remember the RM8 u pay to fund house each year (waive in first year only or no transaction year )

This post has been edited by ironman16: Jul 10 2021, 05:13 PM

open acc charge u rm10 (waive by PPA now )

rm8 waive for the first year and at the year that no transaction ..........so u not need pay...

FSM is free............pay zero all the time except rm10 open acc and rm8 if stick with the same fund house on 2nd year.

My suggest is :

Open account at PPA, buy for the first times , any amount u like bcoz u pay rm1/transaction.
after that that go FSM continue....seen FSM is 0 % ......and u not need pay RM10 , bcoz oledi open acc...
not sure can or not.....

wanna easy just stick with PPA this year, next year come FSM, sure is 0 fee.
make sure u use 2 to 3 shot kasi tembak habis sampai rm3k......if suddenly big dip......not need think twice liao.....kasi tembak kaw2.....

waseh.....boss....kasi suggest one for me.....next year target.....

already got Principal asia dynamic , Affin Growth. Affin moderate, Am Reits.....

i dun like conservative fund.......shariah punya oso .......no more choice ?

This post has been edited by ironman16: Jul 10 2021, 10:28 PM

got any suggest?

but msia in long term until i retire can survive ?

public PRS gonna pay 3% sales charge , right?

ok.....thanks for the suggest....i go flip2 .......still got 6 month to decide .....

i didnt monitor my PRS fund oso.......i only monitor when i havent reach my 3k quata.........finding the lowest point to in......after i reach 3k.....bye2 oledi......i will do some home work for next year choices (normally year end ) ........

u mean AmPRS - Asia Pacific REITs - Class D not worth to invest?..........

i though seen now reits all not performing.....i try buy at the low point, hope it will up in future when i'm retire later......

ya......i oso notice this fund b4.....but its a new fund.....so ,dont dare recommend ppl..... .....

feed in this Manulife Shariah Global REIT Fund.....

i notice it bcoz that time i survey for Reits fund.....

This post has been edited by ironman16: Jul 20 2021, 01:29 PM

no......i kecut at last...........oso notice flat for a few month.........

so my portfolio didnt hold pure Reits fund except PRS

where u saw the info?
kasi link , boss

## ok, i saw it oledi https://asia.manulifeam.com/ifunds-offers-my.html
Only investment into PRS Class C funds will be eligible for this campaign

-online
-3k lump sum and hold 6 months
-get rm100 e voucher

Based on this Sales charge see page 64
Sales Charge = (amount to be invested) x 3.00%
= RM3,000 x 3.00%
= RM90

u gonna pay rm3090 to manulife, i think

so , actually u only earn rm10 (rm100 - rm90)

i oso explore a bit their platform , Manulife iFUNDS .....cant find the sales charge gonna pay if buy any UT from their platform....

This post has been edited by ironman16: Jul 20 2021, 05:49 PM

not sure the calculation is correct or not.....u guy oso can flip2......thats what i know

uncle wanna wait for the extra "promo".....like free voucher if one shot 3k...

uncle havent start buy prs this year?....



This post has been edited by ironman16: Jul 21 2021, 09:57 AM

if ur purpose is income tax relief, u oledi win ...

at this moment is yes for ur choice.....
wan new fund ?
try Manulife Shariah PRS‐Global REIT C

kasi u this for home work , dun after that blame me......i kepo suggest only
https://www.ppa.my/wp-content/uploads/2021/...ll-Mar_2021.pdf

Just registered? If yes, patient a bit, take time.... If can't wait, call PPA n try get ur answer?
If register through PPA, remember is charge rm1 per transaction. Accumulate bullet baru shoot.

after that continue with the FSM i think is no problem ........only thing is the amount that u buy with PPA , dont think FSM can trace but PPA can track All transaction .....no worry...........

i'm not sure how long u gonna wait bcoz i buy with FSM...............PPA act as middle man....help u forward to fund house..........gonna wait the fund house help u create n invest.........may b about one week.......u normally will receive email from fund house (the PRS that u purchase) mention acc being create/invest..........

or any other sifu that invest through PPA can give u some hint...

or u can call/email PPA if wanna know faster...

u mean buy from FSM?

about 5 days to 7 days (reflect in my FSM acc)...........i didnt check it every time bcoz i use excel track it.......as long as i get the dip NAV, then i go update my sheet..............only check during end of month whether the unit tally or not......

this year still can shoot.......waiting the dip again..... ......if no dip, gonna dca until 3k....

nvm.income tax relief part u oledi earn it..........

in july dip , i think u oso not dare to enter bcoz thinking that might b another dip in coming month.........

dont time..........just dca as usual + during dip u top extra...........sure win liao

unless u wanna op for one shoot in 3k

i prefer use dip top, dip top.........until i zero baru stop