what ambank fund to buy? any suggestion?

Am i too late to top up my prs by next monday? 31 Dec via fundsupermart

I don't predict. But I always have cash on hand for such events. Without cash in hand,  you will not have any opportunities to scoop up good deals.

Another thing you see market expensive see the ETF for idea,  you still want to chase? I don't chase.

Of course you must be able to sit on cash and don't do anything. Must not have FOMO.
Same here. RM3k/year will automatically be allocated for PRS to be used when opportunities come.

Which one is better? New to prs here. I read through some threads why agent will charge us?

Thanks alli

1st I am not sifu. Is not tax rebate. Is tax relief.
2nd invest when market is bad. Is like shopping. Do you buy when things are cheap or expensive? I buy more when is cheap.
3rd where you want to buy and what you want to buy all depends on your risk factor. If you cannot tahan losses,  safer ones are bond funds (which give you FD like returns or lesser) and reit.  If you can tahan losses, can pick funds which invest in stocks (equities). Again where you want to buy depends on what you want. You want pure Malaysian fund or Asia Pacific. Only you know.

Buy max 1 prs fund and max amount to put in is RM3k/year until 2021. Do not put a single sen more. Come 2022, if govt does not extend PRS tax relief,  do not buy anymore.