Stocks are really too high now, come down a bit pls. Still young man I want more window to collect cheap stocks.

StashAway really couldnt enter yea, they gonna sapu all the fund houses there.

DONT
BOTHER
WITH
FSM

My GOSH printing the forms out, unsure if I am filling it out correctly or not, wait 30-60 mins at post office to get it sent.

NOT WORTH IT.

Just suck up the tiny bit of charges on PPA and avoid all these mess.

Why macam TTDI

Coz TTDI post office is also at Petronas

Then where do the dividends go?

Oh so they automatically buy them on our behalf? Where can we see that transaction?

Should have done (3) in April 2020, now the fund is like +50% since then.

(1) is probably the most sensible choice here, deposit RM 250 every month.

Same here, swear by just AmPRS REIT and Principal AAXJ, performing crazy well so far.

PLEASE read the fund fact sheet first, those conservative/mod/growth funds seem to be really small in size and don't perform as well as those pure equities one.

If you are still young and won't touch the money for 30 years, consider the pure equities one like Principal Asia ex Japan Equities.

So after AmPRS REIT ex and reinvested the dividends, the new units showed up on PPA website, but not FSMone.

More like the benefit the fund houses. PRS funds charge so much, you can just invest elsewhere and beat their returns after fees.

Lemme correct it, even with tax relief at tax bracket 24%, there is a solid chance PRS will underperform StashAway or VTI/VXUS ETFs.

Malaysia mutual funds are awkward, they are kinda manual gear with no need to press clutch, we need to know which funds to pick. There is no target date fund or broad market fund (that invests in ALL investable stocks in KLSE), so the funds hole < 100 positions and we kena manually read up on macro econ trends and switch funds, or get rekt later on.

14% only the 1st year. In the subsequent years, their expenses can be higher than advertised expense ratio, eating into our return and nullifying even a 24% tax deduction.


Same, my Principal AAXJ class C been doing great, but it underperformed KWEB ETF still.

I think lah, if they put stashaway, wahed, akrunow etc into PRS, the fund houses really can ciao ady. Mutual funds are still manual driving, the buyer needs to know which asset class in which geographical location, which market is undervalued, Shiller PE ratio etc before buying it. Also, the fund manager cannot express their views to achieve an investment goals, they can only cherry pick securities to go into the mutual funds.

Invested through ppa coz its my 1st fund. ROI too good, not sure if it will outperform other indices in coming years.

My Principal Asia ex Japan fund macam also like that but still gave dividends anyway. It's reinvested immediately.

Annualised return only gets meaningful over very long period of time, like 20-50Y. Very hard to judge a fund like that, so kena compare it against other funds of similar allocations and exposures.

Walao, the expense ratio must be damn high no?

Kena read the annual report to find the actual expense, Malaysia funds be it PRS, ETF, mutual funds love to charge higher than advertised, coz ppl dont read annual reports.

The ones with highest risk ratings

Lose money dont blame us ah