if get PRS via fsmone wont consider right

thanks... yet to explore other platofrm
direct with AMPRS agent ... each top up deduct around RM8

  each top up cost RM8...........
assume u top up rm250 each time and the top up fee cost u around (8 x100/250) 3.2%......
sales charge cost ??????  or the RM8 oledi include sales charge???

like this better accumulate fund n top up quarterly or semi yearly......

why dun find the 0% sales charge punya platform ?....

I traced back ...My yearly 1 off contribution less than 3000.
Some 2k, 1k etc
All around RM8 for all. No other cost involve.
My payment method ,,, credit card.

I only top up this fund once a year ... Previous year working oversea ... So not really check in details what has been charged.

There is no info on statement so i can only guess what is it
yea...last year and previous year I work oversea ...so only deposit RM1K/year via credit card.
My statement only shown deposit RM992 instead of RM1K

either they directly deduct RM8 for annual management fee?

I deal direct with AM PRS agent ...I remember they told me no other fee involved.
gonna text her and check it out

just wait for the event.....  

FSMOne MY What and Where to Invest 2021 - Virtual Platform + Live Stream
23 january 2021

mana tahu this year got special ma......

Hi, do you guys buy low sell high with your PRS fund? How does the charge work? My fund is "Principal PRS Plus Asia Pacific Ex Japan Equity - Class C"

I thought after sold the fund, the money just go back into my account? Then I can buy back when the price is low? Just like how stock investing works right?

u ingat itu goverment stupid mei?   so big punya loop hole kasi u free punya income tax rebate......

withdraw early penalty u la, and only partially not all.....

can switch intra fund house, if different fund house charge u lagi.....

switching pun ambil masa (i x pernah cuba) ,u ask Grumpy how long lo.....he ever do it......

Yeah, if RM40 spent on roti and maggi, some can sustain for 1 week.

Actually i think its possible for someone who is trying to max out the best of both. Lets just say a person who is qualified for i-sinar currently had set aside enough money to survive until epf money comes in (say by Jan 2021) and has RM3k at hand. Then we look at both scenarios below:-
Scenario 1: Apply epf i-sinar and get RM10k

Total cash at hand: RM3k + RM10k = RM13k (for simplicity let's ignore the sum set aside for survival till Jan 2021)
Total networth: RM10k (epf) + RM3k (cash) = RM13k
Scenario 2: Apply RM3k FSM PRS, get tax relief, RM40 tng and apply epf i-sinar get RM10k

Total cash at hand: RM10k + RM40 = RM10,040
Total networth: RM10k (epf) + RM3k (PRS) + RM40 (tng) + RM 450 (assume 15% tax relief bracket for PRS contribution) = RM13,490

Maybe the investor is looking at the bigger picture to increase overall networth in the long run? My example may sound simplistic and may have errors, but who knows this RM40 is important to survive until the epf money comes in (which this rm40 is part of the budget plan). Or maybe this RM40 if it comes in early is just timely enough without having to liquidate FDs? There are many variables involved which we do not know.

Another e.g a person that have invested in PRS on 1 Dec 2020 may still have a job at that time but suddenly got retrenched at 31 Dec 2020 hence would suddenly need this RM40.

A multi-billionaire may also value RM1 as equally important like a common wage earner.

p/s: purely my views, not trying to start any discussion/debate here but just trying to point out that each and every person's financial/investment decision is unique hence we should not judge purely based on the surface. Anyway guys, take good care of yourself and loved ones during these trying times.

I dont think its automatic.   The funds are just recommendations based on age.   So you will need to convert it yourself.

don't think any credit card give cashback for jompay though

maybe in the future. for now, my affin duo has other purpose. 

Eh, this is PRS fund right?
Entitle for 3000 tax relief that one

The earlier post make me "doubt" myself due to i'm still new into these