Yes.

FSM is not a provider. They're a distributor.

0% SC. Easy for me to monitor since I have other funds with FSM.

Most of the people are aiming for the tax saving benefit as PRS is relatively new and not sure if it could surpass EPF in long term.

Even we do comment on it, what's you action that you want or plan to do? Switch out to another fund?

How long have you been holding Affin Hwang Aiimin PRS?

If Affin Hwang Growth PRS starts to underperform, you want to switch again?

Do take note that all PRS funds should be kept for long term horizon. Do you want to keep on playing the switching games?

Even though it's FOC, my question is do you want to keep on switching here and there every year because on certain hiccup?

And I know the difference between transfer and switching? I didn't use the word transfer to another PRS provider.

This post has been edited by David83: Nov 26 2014, 11:06 AM

My take is that as long as the PRS fund is able to provide a consistent annualized return of above 6% (IRR >= 6%), one should not be worried too much since PRS fund is meant to keep for >= 10 years depending on your current age unless you're planning for pre-retirement withdrawal and afford to pay the tax penalty of 8%.

Next take will be as long as the PRS fund doesn't perform super badly like Public China Select Fund or RHB-OSK Gold and General Fund. That will be still fund as PRS risk should be moderate even though they have "growth" (risker) offering. Most of them are just feeder fund to existing funds in their management.

Just my two cents. Hope you guys won't flame over this general view.

The graph came from FSM website.

Buy through FSM and they'll give SB voucher.

URL: http://www.fundsupermart.com.my/main/resea...?articleNo=5102

Those are not guaranteed gifts. Contest only!

You expect to speculate with PRS fund?

Min IRR is 8% for me!

Pure IRR. We actually needs such PRS fund that could achieve this number. Otherwise, no point of investing.

I'm agreed with you!

I can see impressive return from CIMB-Principal Asia Pacific Dynamic Income Fund too.

ROI: 26.5%, IRR: 16%

It is not as volatile as you think despite October turmoil.

We have analyzed it in October:

https://forum.lowyat.net/uploads/attach-11/...-1415020949.jpg

This post has been edited by David83: Dec 4 2014, 07:33 PM

CIMB-Principal PRS Plus Asia Pacific Ex Japan Equity - Class C is investing up to 95% in CIMB Asia Pacific Dynamic Income Fund.

But you said that it will be highly volatile, what is your supporting opinion over this claim?

CIMB Asia Pacific Dynamic Income Fund is crowned as Ponzi 2.0 in the FSM thread. Up to 20 to 25% of its NAV, it invests in Australia. The remaining will be in Asia ex Japan region. You can grab another similar mandate fund from other fund manager and compare with it. See which one is more volatile.

This post has been edited by David83: Dec 4 2014, 07:51 PM

CIMB-Principal has changed its reporting methodology in the PRS series fund datasheets. It has no longer displayed the funds that the PRS fund feeds into.

CIMB Principal PRS Plus Asia ex Japan Equity Fund - Class C definitely has foreign exposure too!

The fund name is so foreign to me.

Not much difference. PRS original intention is to match minimally EPF return.

If you're not interested with tax relief, it's better to find something better than EPF or PRS.

General guideline: EPF/PRS ---> 5 to 6% p.a on average

PRS is still new. Most of the funds are still young at the age of 2 to 3 years.

How old are you? If you're young, just go for something with aggressive risk profile. Over ten to twenty years, the fund will definitely make some profit as it cannot invest in something rhat could go bankrupt. Most of them are just feeding to its own funds that invest locally.