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

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

No right or wrong, up to us nia.
I just dun wan pay the rm8 to fund house nia. 😜
Haven't decide next year what fund 😅
May b pay rm8 go affin if no choice.
Last time i hampir wanna gi kenanga oledi.

So, u pay rm25 to ppa for switching?
What fund u still holding?

Bukan got rm25 switching fee???
If like this can consider switching moderate to growth

This post has been edited by ironman16: Oct 7 2020, 08:56 AM

Share mine
Affin moderate IRR 4.95% ROI 16.91% since 2017
Principal asiapac IRR 4.21% ROI 10.39% since 2018
Am REITs IRR 5.74% ROI 0.7% just enter a few month, still dca

Overall prs portfolio is IRR 4.68% ROI 11.25%

This post has been edited by ironman16: Oct 7 2020, 09:38 AM

Can I switch my PRS funds? Can I switch my PRS funds to a different fund house?

Yes, you can switch within same fund house and between different fund houses. You may login into your investment account and click on Funds >> Transactions >> Sell/Switch to execute the switching transaction.

There is no switching fee and also no restriction to the number of switching transactions EXCEPT for the fund houses below:
•CIMB Principal Asset Management - 12 times* free switch per calendar year
•Manulife Asset Management Services Berhad - 12 times free switch per calendar year
*one time switching per month
However, for switching of PRS funds between different fund houses, you are subjected to the conditions below:
1. Transfers are permitted once a calendar year for each PRS Provider;
2. The transfer is only allowed after one year from the first subscription date;
3. There is sufficient units in the fund(s);
4. Each transfer request is only between two PRS Providers; and
5. All accrued benefits to be transferred from a particular fund must be transferred correspondingly to one other fund managed by the Transferee Provider.

Please be advised that you will need to pay a PPA transfer fee of MYR 25.00 per request.

so, what is the highligthed sentence means???
means for different fund house???

This post has been edited by ironman16: Oct 7 2020, 09:46 AM

Ok, clear oledi, thanks

I buy through FSM online.
Now Reits low, hope it will pick in 10 years

😅, nvm, later switch

Thanks for the info. But i only got FSM acc

If u top up ur existing prs fund, u have to pay rm8 foe each of ur fund houae, eg, top up prs fund house A n B this year, so u have to pay rm8 x 2.
Thats why i try to find new prs fund each year to avoid this rm8. Seen like next year no choice oledi

This post has been edited by ironman16: Oct 12 2020, 06:34 PM

Existing prs u top up baru kena rm8.
New prs that u subscribe is free for first year.

Ya, if u top up again
Let said last year i have affin prs moderate, i free for the rm8 last year.
If this year i top again same prs (affin prs moderate), so i have to pay rm8 for this year.
If i buy others prs (let say AmReit), so i dun need to pay this rm8.
This rm8 is pay to prs fund house(affin), not ppa

This post has been edited by ironman16: Oct 12 2020, 08:16 PM

Ya ka, may b i wrong, i go Google.

ya ....... .........i didnt read further, just know have to pay RM8.......

This post has been edited by ironman16: Oct 12 2020, 08:22 PM

just like @GrumpyNooby mention, collect by fund house for PPA as an annual fee

i choose the good fund that not need to pay rm8, if no choice baru bayar rm8.... ......FSM no sales charge

This post has been edited by ironman16: Oct 12 2020, 08:43 PM

ya, i agree with u

just hoping the prs fund that i choose will perform well in future...

try this include Public

http://gllt.morningstar.com/e6qvxuu98r/fun...B&tab=ShortTerm