Private Retirement Fund, What the hell is that??
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 Aug 11 2020, 04:12 PM
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Junior Member
995 posts Joined: Dec 2016  
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QUOTE(thxxht @ Aug 11 2020, 03:29 PM) so is it recommended to continue contributing after 2022? Since no more tax relief. If no more tax relief, not recommended to contribute PRS. but just my opinion I think government will announce the extension in 2020/21 budget |
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Aug 11 2020, 06:17 PM
Show posts by this member only | IPv6 | Post
#3962
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Senior Member
2,437 posts Joined: Sep 2016
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QUOTE(yklooi @ Aug 11 2020, 04:10 PM) i think i will continue, for i am now >55 yrs old. betul juga, u clever la if i buy CIMB Asia Pac PRS i pay 0%SC if i buy CIMB Asia Pac ut i pay X.xx% SC  |
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Aug 13 2020, 05:38 PM
Show posts by this member only | IPv6 | Post
#3963
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All Stars
12,387 posts Joined: Feb 2020
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familyfirst liked this post
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Aug 19 2020, 12:20 PM
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All Stars
14,941 posts Joined: Mar 2015
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pay the sales charge to stand a chance to win?
 https://www.publicmutual.com.my/LinkClick.a...c%3d&portalid=0 Attached thumbnail(s) 
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Aug 19 2020, 12:21 PM
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(MUM @ Aug 19 2020, 12:20 PM) pay the sales charge to stand a chance to win? What is the sales charge that PM impose for their PRS offerings? https://www.publicmutual.com.my/LinkClick.a...c%3d&portalid=0 |
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Aug 19 2020, 12:22 PM
Show posts by this member only | IPv6 | Post
#3966
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Senior Member
8,667 posts Joined: Aug 2019 From: Penang <-> Singapore
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QUOTE(MUM @ Aug 19 2020, 12:20 PM) pay the sales charge to stand a chance to win? Marketing tactic lah. https://www.publicmutual.com.my/LinkClick.a...c%3d&portalid=0  There is no free lunch in this world. The prize is already factored in the cost analysis before the promotion is revealed to the public. |
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Aug 19 2020, 12:26 PM
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All Stars
14,941 posts Joined: Mar 2015
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QUOTE(GrumpyNooby @ Aug 19 2020, 12:21 PM) What is the sales charge that PM impose for their PRS offerings? last time i heard was 3%SC |
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Aug 19 2020, 01:12 PM
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Senior Member
1,037 posts Joined: Jul 2009
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lol... Sudha sudah menang!!!
» Click to show Spoiler - click again to hide... « |
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Aug 20 2020, 03:28 PM
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Senior Member
1,315 posts Joined: Aug 2007
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QUOTE(Ramjade @ Aug 4 2020, 12:25 PM) Use FSM or eUT to buy PRS at 0%. So even if the fund is making 3%p.a who cares. You already make money. The thing is avoid paying service charge at all cost. Some reference to sharehttps://www.fundsupermart.com.my/fsmone/res...commended-funds https://www.eunittrust.com.my/Home/Banner1 https://www.ppa.my/wp-content/uploads/2020/...ormance-All.pdf |
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Aug 20 2020, 10:15 PM
Show posts by this member only | IPv6 | Post
#3970
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Senior Member
2,106 posts Joined: Jul 2018
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QUOTE(yklooi @ Aug 11 2020, 04:10 PM) i think i will continue, for i am now >55 yrs old. oh no u found the loop hole to invest in CIMB Asia Pac UT without sale charge for > 55 yo if i buy CIMB Asia Pac PRS i pay 0%SC if i buy CIMB Asia Pac ut i pay X.xx% SC  |
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Aug 20 2020, 10:19 PM
Show posts by this member only | IPv6 | Post
#3971
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(tadashi987 @ Aug 20 2020, 10:15 PM) oh no u found the loop hole to invest in CIMB Asia Pac UT without sale charge for > 55 yo I have both in my portfolio.  |
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Sep 2 2020, 03:46 PM
Show posts by this member only | IPv6 | Post
#3972
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Junior Member
379 posts Joined: Mar 2018
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AmPRS
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Sep 2 2020, 04:54 PM
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Senior Member
1,311 posts Joined: Oct 2012
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QUOTE(Wong Kit yew @ Sep 2 2020, 03:46 PM) AmPRS Is this a good fund? |
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Sep 2 2020, 04:59 PM
Show posts by this member only | IPv6 | Post
#3974
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All Stars
24,392 posts Joined: Feb 2011
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QUOTE(familyfirst @ Sep 2 2020, 04:54 PM) Is this a good fund? Lots of unit trust in Malaysia are useless.Never buy based on brand of the company. |
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Sep 15 2020, 04:37 PM
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Junior Member
357 posts Joined: Oct 2013
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Thinking if I buy online from fsm as example, 0 service charge, then what do they earn as the rest charges is by PPA?
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Sep 15 2020, 11:17 PM
Show posts by this member only | IPv6 | Post
#3976
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Senior Member
2,106 posts Joined: Jul 2018
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QUOTE(stevenkkh @ Sep 15 2020, 04:37 PM) Thinking if I buy online from fsm as example, 0 service charge, then what do they earn as the rest charges is by PPA? they learn ur AUM, sometimes it is not abou earning. more people buy through them, more reputables, more people confident with them, then more people will buy through throught them, definitely will earn from others side |
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Sep 25 2020, 02:01 PM
Show posts by this member only | IPv6 | Post
#3977
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Junior Member
96 posts Joined: Apr 2019
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so still fsm the best for prs?
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Sep 25 2020, 02:06 PM
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(teridoz23 @ Sep 25 2020, 02:01 PM) so still fsm the best for prs? It is up to individual preference towards platform. FSM is just platform to sell. |
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Sep 25 2020, 03:14 PM
Show posts by this member only | IPv6 | Post
#3979
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Senior Member
2,437 posts Joined: Sep 2016
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QUOTE(teridoz23 @ Sep 25 2020, 02:01 PM) so still fsm the best for prs? Up to u just like the Grumpy mention. I will say yes, but some body still prefer bank platforms due to promotion or etc. Some will said PM better bcoz of recently performance is better. Is ur money, as long as u happy 😁😁😁😁😁 |
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Sep 25 2020, 05:29 PM
Show posts by this member only | IPv6 | Post
#3980
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Junior Member
995 posts Joined: Dec 2016
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Anyone here DCA your PRS fund, eg 500 per 2 months, Or most people lump sum during red?
Previously I always lump sum buy 3000 to prs in December This year in this volatile market I plan to buy 1k each in the next three months.. any suggestion? |
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