Buy from FSM. Zero sales charge.
Also dividend not important. Why?
Kindly read first page
https://forum.lowyat.net/topic/4193169

This post has been edited by Ramjade: Mar 24 2025, 10:54 AM

If you don't need the income tax relief, then yes you can withdraw all out.

If you still want income tax relief then you have to add 3000 every year.

Actually depends on what you want actually. What works for you can't work for me and vice versa.

I go for the best growth over time and I prefer foreign holdings Vs Malaysian.

You can consider this 2 if you want the best best growth.
1. Principal retireeasy 2050
2. Rhb Retirement islamic balance

Keep in mind it may swing a lot as I am an aggressive investor.

You can choose and compare your PRS here.
https://www.fsmone.com.my/tools/fund-selector
https://www.fsmone.com.my/funds/tools/chart-centre

Majority of PRS in Malaysia are hopeless and tak boleh pakai. Giving less than EPF return.

This post has been edited by Ramjade: Apr 6 2025, 09:36 PM

Even though short duration can see it outperform some of the funds I mentioned above.

Precisely. My guess is by design to "stabilise" Malaysian market.

Can't answer for you as you are not me and I am not you. I never let an opportunity goes to waste although I am.always early. I have been buying some US stocks in my own brokerage.

This post has been edited by Ramjade: Apr 7 2025, 01:08 AM

Keep in mind whatever prs you buy likely you will be down this month thanks to Trump.

Govt should just give us access to US market but I know why they don't want to. Cause that way no one support local KLSE.

Me. I have been I vesting since najin intro it. Even got free RM1k from najib. Ye si only use FSM to buy my PRS.

I just lump-sum once a year. Don't really bother about DCA. You can just buy every month also if you want. I prefer lump sum as that way I get it off my to do list for the year.

Yes they can email you backdated statement. Keep your eye out for SMS send to your phone. They will tell you when the statement is available to be downloaded.

Where were you in April?

I invested lump sum usually at the start of the year. Make my life easier because don't need to think about when need to invest. Don't need to allocate some of my money for it after dumping it into PRS.

You can wait but sometimes not worth to wait as no sale and price keep going up.

I don't really care as it's RM3k and I can't touch the money.

For my stock I am more selective about when to buy.

This post has been edited by Ramjade: Aug 28 2025, 04:52 PM

Depends on performance of the fund lo. I don't want to just get back my capital. The money I put in must match EPF returns as the bare minimum.

You don't want fund that is the lowest volatility. That's a wrong way of thinking. You should aim for high return assuming you got long runway.

Assuming you can get double digit return the most a market drop would be 30-50% assuming you already got 70% return, when and if the that happen you would be still up by a lot vs a bond fund that give you 1-2%p.a

I will give you an example. I was all in on Principal PRS Plus Asia Pacific Ex Japan Equity for donkey years since Najib time. It was my only prs, I only put in RM3k/year Make easily 20-30% p.a then emperor xi decided to be smart. I still manage to get our with my capital intact. Return not ideal. But yeah if not for the gains, would be in the red.

I don't subscribe to traditional banking method where yo protect your capital buy low volatility fund unless you are very near to when you need the money. If you got like 10-15 years down the road, don't bother with fixed income fund.

In fact I will be 100% in stocks upon retirement. No bonds for me.

This post has been edited by Ramjade: Sep 3 2025, 09:19 PM

It's true. Higher returns can give you higher safety cushion Vs something which is like 1-2%. Been there done that. I am talking from my experience that my stocks have drop like 50% and still I am in the green by double digits.

I give you you my real life example. Bought crowdstrike Int he low 100 range. Now price is 400+. That is a very huge margin of safety. Last year when it sold off like crazy it only reach 250+. Still huge margin of safety. It sold off around 50%.

You can argue numbers all you want, I argue with you real life example.

You want more I got some more. Microsoft 250 range. Visa 220 range, DBS 36-38 range, UOB 27-29 range. Brookfield assets management 30 range. cal maine foods 80+ range, BlackRock 500+ range.

Yes they are not funds but stocks.

You want funds I also got. My principal global titans. Bought using my EPF money. I think 50-60% return already. April crash still in the green.

This post has been edited by Ramjade: Sep 4 2025, 02:56 AM

What's wrong with real-life example? I prefer real life example Vs theoretical hypothetical scenario because it shows you
1. What happen real life
2. It have been tested by fire

You do you I do mine. This is what I learn from my teachers. Holding long term and buying at a reasonable price can give you lots of margin of safety. You don't want to believe my real life examples so be it. It is your money. Not mine.

This post has been edited by Ramjade: Sep 4 2025, 08:32 AM

I don't know why you keep harping about theoretical scenarios when I have given you real life scenario..

My best example is crowdstrike. Same concept. It drop by more than 50% and I am still in the double digit profit and my capital intact. More than your our 42% drop Vs my real world > 50% drop? What more can you ask for real life example? If follow your logic and calculations, I should be the in red. But I am not. Keep in mind this is a 50%+ drop with me still getting double digits returns.

Its not about simple maths.

It's about it happened to me and I am sharing my experience showing that huge return decrease in the asset can be mitigated by the price you buy and when you buy them. It's as good as a real life example if you are holding a unit trust instead. True unit trust are not stocks but underlying they are stocks.if you invest in unit trust that hold stocks

I can even give you further real life examples from Singaporean during COVID crash where everything drop. Doesn't matter what you own, everything drops.

This post has been edited by Ramjade: Sep 4 2025, 12:38 PM

There was no additional buy. Your maths depends
1. How much you have gained and what price you bought them.
2. How long you have invested
3. How mach was the losses

So you can argue maths until cow come home but you cannot ignore what I just showed you. No need to get the lowest volatility fund to preserve capital. That is my thesis and I am sticking with it.

Eh no leh. I don't follow traditional textbook principles. That is not the right way to build wealth. Traditional textbook always said fixed income must bonds. Not true. I am just following people who have been successful before me.

When you lock up your money, you basic goal is make sure it can give you EPF returns as the bare minimum.

If you cannot give you EPF returns not worth to lock you money up.

There 2 other cost you didn't see by making capital does not suffer a loss.
1. Silence behind the scene inflation reducing your purchasing power of your PRS capital
2.. Silence annual management fees of 1.5%p.a do you want to pay somebody 1.5% to help you keep your money and return the money to you without much return? If it's me I will fire that guy in charge of my money if that is all I paid him for. Might as well keep inside the bank account or dump it into EPF. How can you let the fund manager eat your money for free. Come on la.

This post has been edited by Ramjade: Sep 4 2025, 04:07 PM

If you want US exposure, any of the Principal retireEasy series and AIA growth