I ever buy affin prs moderate bcoz follow recommendations xuzen.

Then, i buy principal prs asia pac dyna

This year i buy am REIT prs (hope I'm not regret, now low buy, hope it up when i reach 60. I i didn't buy REIT in my portfolio)
Every year buy new one
🤭🤭🤭🤭🤭

This post has been edited by ironman16: Oct 1 2020, 04:29 PM

Buy and hold one PRS fund only. Others use unit trust or stashaway.

I buy different fund house bcoz dont wan pay rm8 😁😁😁

hi guys, for the PRS. Is it buy in and wait for it price raise or distribution dividend?

Or u guys will sell and switch of other fund to earn the different?

PRS is basically wait for price to increase. If you sell you get charged with penalty of 8%.

Distribution of Dividend in unit trust is not important.

Let say one of the PRS fund the current NAV is 0.3, 10 years later still the same or just raise to 0.4.

May I know how people earn from this kind of fund? Is it invest in PRS now and just get the money back when retirement, no need keep sell/switch fund?

Invest 3000 now, 30 years later will get how much?


Sorry im newbie to PRS.

earn from tax relief. anything else is bonus.

some FAQs on unit trust investing....
https://www.investsmartsc.my/wp-content/upl...stormustask.pdf


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Earn from distribution which will be reinvested and the NAV price “up”
That is why important that one need to choose the “right and suitable” fund according to your age, risk tolerance and investment purpose.
PRS is for long term investment thus fund selection is the priority, of course timing is important also if want to maximise earning

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As the poster below said earn from tax relief.
Then anything extra is bonus.
Tax relief is valid until next year unless govt decided to extend it and valid for only RM3k.
So last chance to buy PRS is next year.
For me I like to get that bonus and I like to juice it up to say 10%p.a

To profit from unit trust = NAV (price) X number of units.
So depending on the fund. If they keep their NAV flat, but number of unit increasing you still make money.
If NAV stays the same and unit doesn change then it's a lousy fund. Cause your value of money didn't go up.

If you want I make money you have to sell your fund. When you sell it, you have to make sure NAV+number of units > original NAV + number of units.

More info kindly read first page of
https://forum.lowyat.net/topic/4193169

This post has been edited by Ramjade: Oct 6 2020, 09:58 AM

Thank you all for your prompt reply to my inquiry.


I will invest PRS because of tax relief and invest in the right fund to get better and make sure it's secure return.

This post has been edited by proJay: Oct 7 2020, 01:35 AM

Can consider affin growth n moderate, no bad

You got those two?

No, i got moderate only, but normally i seldom enter same fund house twice for prs. This year just enter am REITs.
I flip2 n just realise this affin growth not bad.
Just recommend only. Whether wan or not is up to him

Affin PRS Growth Fund is feeding mainly into Affin Hwang Select Asia (ex Japan) Opportunity Fund MYR
Affin PRS Moderate Fund is feeding mainly into Affin Hwang Select Asia Pacific (ex Japan) Balanced Fund MYR

Given recent stealth performance of both funds capturing upside opportunity in Greater China region, no doubt that both PRS funds are gaining too.

Waseh, ada buat home work, 👍👍👍
U got any recommendations?
Share2 sikit 😬😬😬

I'm also holding Affin PRS Moderate Fund.

I'm only investing into existing funds; not employing your strategy of 1 new PRS fund per calendar year.

Thanks for this info. I have both so was wondering if I should top up instead of finding a new fund.

Would you kindly recommend another better performing fund pls?

A lot of us have this too: Principal PRS Plus Asia Pacific Ex Japan Equity - Class C.