QUOTE(ronnie @ Nov 19 2023, 11:24 PM)
where to get this table ?
Fsm.Private Retirement Fund, What the hell is that??
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 Nov 20 2023, 12:47 AM
Show posts by this member only | IPv6 | Post
#6081
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All Stars
24,432 posts Joined: Feb 2011  
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Nov 20 2023, 02:35 PM
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Senior Member
7,106 posts Joined: Jan 2003 
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QUOTE(guy3288 @ Nov 19 2023, 04:54 PM) Which PRS did you buy? Principal ex-Jpn has made for a very depressing read this past couple of years 3.62% over few years is quite low return. I thought my 2 PRS was good enough.. they were indeed good up till 2021, now is going down hopefully wont become negative  I've moved my funds out. |
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Nov 20 2023, 03:18 PM
Show posts by this member only | IPv6 | Post
#6083
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All Stars
24,432 posts Joined: Feb 2011
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QUOTE(fuzzy @ Nov 20 2023, 02:35 PM) Principal ex-Jpn has made for a very depressing read this past couple of years It used to be a good fund. But can't blame it as it's mostly china focus. China got problem with their developer and not to mentioned emperor xi wants to do common prosperity. So until emperor xi is out of the picture or china property market is solved, unlikely principal ex Japan going anywhere soon. I've moved my funds out. zebras liked this post
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Nov 21 2023, 09:23 AM
Show posts by this member only | IPv6 | Post
#6084
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All Stars
24,432 posts Joined: Feb 2011
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QUOTE(!@#$%^ @ Nov 17 2023, 10:56 PM) asked before, but unanswered ... yet Come I answer you. Public mutual customer service told me 3% regardless if you buy online or offline. !@#$%^ liked this post
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Nov 21 2023, 05:36 PM
Show posts by this member only | IPv6 | Post
#6085
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Senior Member
5,926 posts Joined: Sep 2009
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QUOTE(fuzzy @ Nov 20 2023, 02:35 PM) Principal ex-Jpn has made for a very depressing read this past couple of years selling means kena penalty right? how much the penalty charge? I've moved my funds out. |
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Nov 21 2023, 05:50 PM
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Senior Member
7,106 posts Joined: Jan 2003
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QUOTE(guy3288 @ Nov 21 2023, 05:36 PM) selling means kena penalty right? how much the penalty charge? Switching or selling is dependant on the fund house also and the PRS rule.I think I switch to CIMB RE40 no charges. guy3288 liked this post
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Nov 21 2023, 05:53 PM
Show posts by this member only | IPv6 | Post
#6087
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All Stars
24,432 posts Joined: Feb 2011
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QUOTE(guy3288 @ Nov 21 2023, 05:36 PM) selling means kena penalty right? how much the penalty charge? Don't sell. Switch. Switching no penalty. If you manually sell and buy new fund that one will have penalty. silverwave and guy3288 liked this post
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Nov 25 2023, 06:40 AM
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All Stars
24,432 posts Joined: Feb 2011
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Anyone know if we can buy public mutual prs via PRS online for free or still need to pay for service charge?
This post has been edited by Ramjade: Nov 25 2023, 06:40 AM |
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Nov 25 2023, 10:11 PM
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Senior Member
4,083 posts Joined: Apr 2006
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QUOTE(Ramjade @ Nov 19 2023, 04:02 PM) For now principal retire easy series and AIA Pam growth fund. As long as you have US exposure, you can match EPF returns. If your funds only focus on Malaysia or Asia Pacific (China) for past 3 years, you underperform EPF. I'm looking at both the funds now but they are not PRS is it? For tax deduction, it is PRS only right?That's why I am looking for fund with high exposure to the US. From what is available on Fsm, only principal retire easy series and AIA Pam growth have that. If you are willing to pay service charge, public mutual have higher exposure to the US market. |
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Nov 25 2023, 10:39 PM
Show posts by this member only | IPv6 | Post
#6090
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All Stars
24,432 posts Joined: Feb 2011
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QUOTE(silverwave @ Nov 25 2023, 10:11 PM) I'm looking at both the funds now but they are not PRS is it? For tax deduction, it is PRS only right? AIA Pam growth is prs.https://www.aia-prs.com.my/en/our-product/f...nformation.html Principal retire easy series is PRS. Not sure if they have non prs retire easy series. This post has been edited by Ramjade: Nov 26 2023, 01:03 AM silverwave liked this post
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Nov 26 2023, 12:47 AM
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Senior Member
1,315 posts Joined: Aug 2007
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PRS really not much choice
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Nov 26 2023, 01:12 AM
Show posts by this member only | IPv6 | Post
#6092
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All Stars
24,432 posts Joined: Feb 2011
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QUOTE(onthefly @ Nov 26 2023, 12:47 AM) PRS really not much choice Cause 1. Not their main market. 2. People don't care about returns. They just want tax relief. So unit trust companies just package a rubbish product for you.. 3. Limited to only RM3k. Who puts more than RM3k into PRS? |
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Nov 27 2023, 02:45 AM
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Junior Member
67 posts Joined: Aug 2022
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This post has been edited by stephanieKingsley: Dec 14 2023, 05:11 PM |
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Nov 27 2023, 06:27 AM
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All Stars
14,970 posts Joined: Mar 2015
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QUOTE(stephanieKingsley @ Nov 27 2023, 02:45 AM) Hi sifus, maybe got people ask before, but I'm still not clear about it. What's the difference between Class A and Class C funds? Do they only differ in Sales Charge and Management Fee? like I see Class A is usually 3.0%, whereas Class C is 0.5%. Thanksss While waiting for more value added responses, ...hope you can have some info from this while waiting for responses.https://www.ppa.my/fees-comparison/#:~:text...anagement%20Fee. |
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Nov 30 2023, 06:00 PM
Show posts by this member only | IPv6 | Post
#6095
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All Stars
17,518 posts Joined: Feb 2006 From: KL
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many lobby to withdraw epf, why nobody lobby to withdraw from prs penalty free?
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Nov 30 2023, 07:08 PM
Show posts by this member only | IPv6 | Post
#6096
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All Stars
24,432 posts Joined: Feb 2011
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QUOTE(!@#$%^ @ Nov 30 2023, 06:00 PM) many lobby to withdraw epf, why nobody lobby to withdraw from prs penalty free? Because not everyone have prs but everyone have EPF? |
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Nov 30 2023, 07:45 PM
Show posts by this member only | IPv6 | Post
#6097
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All Stars
17,518 posts Joined: Feb 2006 From: KL
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QUOTE(Ramjade @ Nov 30 2023, 07:08 PM) Because not everyone have prs but everyone have EPF? but during covid, they let u withdraw from account b penalty free |
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Dec 1 2023, 09:00 PM
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Junior Member
36 posts Joined: Feb 2021
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hi all sifu here.. I want to ask which PRS is the best at the moment? As i have invested in PBMutual since 2017 and the growth is only 7.9% which is way less compared to EPF if compounding interest count. Do we have any good PRS that I can invest in?
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Dec 1 2023, 09:43 PM
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All Stars
24,432 posts Joined: Feb 2011
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QUOTE(ck2021 @ Dec 1 2023, 09:00 PM) hi all sifu here.. I want to ask which PRS is the best at the moment? As i have invested in PBMutual since 2017 and the growth is only 7.9% which is way less compared to EPF if compounding interest count. Do we have any good PRS that I can invest in? Here you go. Do not buy Malaysia focus or China funds.QUOTE(ronnie @ Nov 17 2023, 09:34 PM)  QUOTE(!@#$%^ @ Nov 17 2023, 10:25 PM) PUBLIC MUTUAL PRS ISLAMIC GROWTH FUND has 33.5% in US as of October 2023, enough to make you salivate This post has been edited by Ramjade: Dec 1 2023, 09:45 PM |
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Dec 2 2023, 07:56 AM
Show posts by this member only | IPv6 | Post
#6100
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All Stars
14,970 posts Joined: Mar 2015
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Humm.....interesting performance
This post has been edited by MUM: Dec 2 2023, 08:45 AM Attached thumbnail(s) 
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