Should have lump sum when it was bottom. Only put RM1000 coz I thought it will go down further... nope.

When was it for "when it was bottom"?

I DCA a few months one shot, bcoz bullet no enough.
I in if there is a dip, no matter the lowest or not.
PRS can't withdraw until u pension. So just believe it will up in long term.
If u think market will volatile, just DCA lo,

This post has been edited by ironman16: Sep 25 2020, 06:15 PM

The only reason I haven’t DCA is because I’m waiting for FSM lump sum promotion for PRS during year end.

i dont wan wait liao, takut i belanja that money

Money can be earned back.

Don't look at that promo for topping up PRS. Small gain vs opportunity for big gain. I loaded up max into my prs during march sell down. Got quite near the bottom.

If I can predict the March sell down and rebound I would have invested all my money then

I cannot predict but my rules told me to go buy. Buy when everyone selling. People all kena margin left right center.

thanks for your reply but now performance is good is it the right time to buy?

or should one buy those with BAD YTD performance? is it good time to buy those?



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If u can timing the market, buy at the lowest point. 😁😁😁
If u can't timing the market, just like me lo, dca or if got dip like march, in again.

Although PM recently is good but i won't consider bcoz the performance is only recently n come with sales charge oso, unless u can get the 0% sales charge for PRS 😁😁

Even u can timing the market but prs is for long term, like me still got almost 20 years to go, sure got up down up down ma. Tak akan when up i said my prs is pro n good, n down i sumpah itu prs providers n switch??

Only good recently but falls back to red sea later how?

So my points is not need timing market, choose the prs fund that i believe will up up in long term without sales charge, dumb 3k. Thats all

Sekali sekala come back n see see/watch watch, hopefully not need to switch until i retire 😁😁😁

Is PRS contribution still tax deductible this year?

Yes, until 2021.

You can continue buying a this year and 2021.
Claim for
This year - 2021
2021 - 2022

Whether you can buy in 2022, it's unsure yet. If no tax relief not extending in 2022, don't bother buying anymore.

If 2020 onwards not tax deductible, is it worth it to go in now? Cos I might have to wait after 55 to withdraw them.

how much is your tax payable % bracket? (higher the tax bracket, higher the tax relief "saved")
do you really need that RM3k to survive while waiting to reach retirement age?
do you have other investment vehicle that can generate abt 4% pa?

Might as well put in EPF if it’s locked until 55.