I have calculated, just by putting your money into FD with average 4% rate, your returns would hv surpassed PRS returns including the tax deduction. So dont waste time putting money into the PRS. How can you tell whether the asset management firm will still be there by the time you retired? Especially those asset management firm (Affinhwang, Kenanga) without banking assets as backing. Nobody ever thought about asset management firms collapsing once musical chair stop (fresh funds come in). Correct me if I am wrong but i think all PRS funds are not PIDM protected.

i dont know you pretend stupid or
you really are like that..

u failed to follow the points in contention!

if you follow
you could just admit it, and said NO, you did not buy it 8 years ago
You bought it only recently at high price eg...RM1.20  in 2021
case close

that chart there is past 10yrs TRACK RECORD ,
NOT returns projected by fund house
you dont trust it? takpa .

i have that PRS, i keep record

Dec 2016 RM0.80  i bought
2017 RM0.98 i bought
2018 RM0.95 i bought
2019 RM1.05 i skip
2020  RM1.15 i bought again
30.9.2021 RM1.26
2022 RM0.95 - RM1.00
2023 RM0.99  -RM1.04
2024  RM1.14 now

you still think that is window dressing chart?
a fake chart by fund house to cheat you?

i give up.

is like a guy who overestimated his own muscle power
entered  a Gym to tell others dont waste your time guys
i have broken my back working out here

add: If Gym is so good then why gomen must gip you RM2500 tax relief? ha ha .

Checking my PRS
all 3 also doing good
memang worth it
RM3000 for tax per year