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 Private Retirement Fund, What the hell is that??

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Cubalagi
post Apr 6 2025, 09:12 PM

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QUOTE(m_m1 @ Apr 6 2025, 05:41 PM)
Hi everyone,

I’m considering transferring out of my current PRS fund, Principal Islamic RetireEasy 2040 A, as its returns have been underperforming compared to FixDeposit. I’m looking at the following options and reviewing those based on past performance on FSMOne:

1. AHAM PRS Growth Fund
2. Manulife PRS Growth Fund
3. Manulife PRS Shariah Growth Fund

I’d love to hear your feedback or suggestions for better alternatives. Also, if anyone knows of any other websites or discussions where I can further analyze on the PRS funds, I’d be grateful for the recommendations!

Cheers, smile.gif
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I looked up this principal islamic fund, its quite a new fund. Established in Sept 22. How long have you invested in this fund? Are u expecting positive returns every year? Funds sometimes have bad year or two.

But cons of this fund:
1. Still very new with short track.record
2. Small size, no scale. So fixed expenses will eat up a lot of the returns.

And sorry, I dont have a view of any of the other 3 funds you mentioned. Most PRS have been sub par because of high exposure to Malaysian equities and also bonds.



Cubalagi
post Apr 27 2025, 08:44 AM

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QUOTE(watermineral @ Apr 26 2025, 03:28 PM)
yea.. 1.6 is including management and trustee fee already right?
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Expense ratio means the total operating cost of the fund over the total.value of the fund.

You use expense ratio to compare between funds. A lower expense ratio means a more effecient fund. All other things being equal, lower expense ratio is better.
Cubalagi
post Sep 4 2025, 02:52 PM

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QUOTE(drbone @ Sep 4 2025, 02:20 PM)
Not necessarily true , I plan to do more research on all existing PRS funds , thanks to MUM's list as well, and to try my best to ensure , that the capital that has been invested does not suffer loss. What's so wrong about that?
Would it make sense to have tax benefits , and what if the PRS value tanks ?
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How many years u have till 55?
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