You have to understand that retire also have Asia Pacific dynamiv income and US market have been calling for past few days. If china and us market fall, your funds also will fall unless the hedge.

If you believed in emperor xi, by all means continue buying Principle PRS Plus Asia Pacific Ex Japan.

I used to be a REIT guy until I realised that a REIT paying out 90% and giving you 5%, and a company paying out say 50%, it's no brainer to go with company over reits. That is why I dont hold reits anymore.

Also if you believe we will go back to zero interest time, then can buy.

This post has been edited by Ramjade: Oct 18 2023, 11:41 AM

Just buy from fsm Don't use PRS PPA. That way if you want to switch will be easier for you in the future. Fsm also zero fees and at the end of the year, they always offer promo.

Can. Just message fsm customer service. Might need to do some paperwork.

1. Not sure. I don't top-up around this year. I usually do my top-up beginning of this year. No need to pay for account opening.
2. Of course cause versa only sell aham funds.
3. Yes.

Suggest you drop fsm ticket. Btw you cannot transfer public mutual funds into fsm or Versa as they don't sell public m mutual.

Likely to be different. Only way to know is look at their fund factsheet.

Versa sell only aham funds. Of course will be different.

This post has been edited by Ramjade: Nov 12 2023, 08:10 AM

Go download each fund factsheet. Must PRS with overseas exposure is a fund of another fund. So you might need to download the original fund that the PRS invest into and see the fund factsheet.

Eg principal retire easy holds global titans funds. You need need to see how many % of global titans they hold. This will tell you that the retire easy series with the highest exposure to global titans have the highest overseas exposure (you don't want china or Malaysia exposure as much as possible or minimise that). Then download the global titans fund and see their % to US.

I already check AIA have the highest US exposure which explains the outperformance of AIA over retire easy series fund for past 1y.

Sales charges is only valid if you buy from
1. Banks
2. Insurance companies or unit trust companies (like public mutual)

Then yes you will be hit with 3% charges each time you buy PRS. If you buy via FSM, eUT, or PPA zero charges. Not sure about Versa. So up to you if you want to give free money to banks or insurance companies or unit trust. I don't.

If you pay sales charges you instantly lose money without even seeing how the fund performs.

Hope this help.

This post has been edited by Ramjade: Nov 14 2023, 09:13 PM

See my reply above.

Don't do islamic. You can use FSM chart centre and see who have the best fund.
https://www.fsmone.com.my/funds/tools/chart-centre

This post has been edited by Ramjade: Nov 17 2023, 02:40 PM

AIA have 14.8% in US
Principal RetireEasy 2050 - Class C (stuff which I have) is only 10.5% US

Thanks to your post, you make me calculate how many % of US I have in my PRS I will make the switch from Principal to AIA next year.

Any service charge for buying public mutual prs?

Now you are showing off

Do you know if Public mutual online charges service charge for their prs if bought via PMO?

I know normal unit trust, they charge 5%. Not sure about prs. I dropped them an email. Wait for their reply next week and see. I specify PMO.

I will say 50-50 as it's a one time charge.
A 10% return in US market will give you like 3% return. Minus the service charge you back to zero return and you are left with the rest of possible non performing fund. I am not sure how is their performance of the remainder like 70%.

Not every year you get 10%p.a return in the US.

Maybe it's just me who hate paying service charge. Hence not very enthusiastic as I have not pay for service charge for a long time.

Nah. I will use FSM if I want to go the AIA route.

This post has been edited by Ramjade: Nov 18 2023, 12:37 AM

Based off FSM website no charges.
https://www.fsmone.com.my/funds/tools/facts...-fund?fund=AIAG

This post has been edited by Ramjade: Nov 18 2023, 01:32 AM

Depends on your definition of fine. If you are just want tax relief and don't care about return, then no issue. If you want say 3% return p.a then that's fine also. Just continue buying the same fund.

For me, I want to have my cake and eat it. I want my fund to match min EPF return and get tax relief. So it's not fine for me if they are not matching EPF return. That's just me.

So you need to know what is your fine is. If it's fine, don't invent the wheel. In my car, my prs is not fine. That's why I am looking for alternatives.

For now principal retire easy series and AIA Pam growth fund. As long as you have US exposure, you can match EPF returns. If your funds only focus on Malaysia or Asia Pacific (China) for past 3 years, you underperform EPF.

That's why I am looking for fund with high exposure to the US. From what is available on Fsm, only principal retire easy series and AIA Pam growth have that. If you are willing to pay service charge, public mutual have higher exposure to the US market.

This post has been edited by Ramjade: Nov 19 2023, 04:02 PM

Fsm.