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 Private Retirement Fund, What the hell is that??

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ironman16
post Oct 24 2020, 12:13 PM

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QUOTE(GrumpyNooby @ Oct 24 2020, 09:56 AM)
The PPA portal doesn't list out Public Mutual PRS?  hmm.gif
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Got

Of course pass performance can't predict future performance, like i say b4, PM prs suddenly pick up recent year. That's why i didn't buy PM prs
ironman16
post Nov 8 2020, 04:20 PM

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QUOTE(cempedaklife @ Nov 7 2020, 04:56 PM)
https://www.fsmone.com.my/funds/research/ar...=11419&isRcms=N

this. applying fsm for account opening without needing to snail mail anything to  them.
for that selected few fund house.
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try use pos express or pos laju if wanna fast. brows.gif ......actually delay a few day only. whistling.gif
ironman16
post Nov 8 2020, 04:52 PM

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QUOTE(cempedaklife @ Nov 8 2020, 04:32 PM)
I think you misunderstood the term snail mail biggrin.gif
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sorry , i though u say it too slow......my bad sweat.gif
ironman16
post Nov 8 2020, 04:53 PM

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QUOTE(GrumpyNooby @ Nov 8 2020, 04:53 PM)
Last time I sent in my documents using Pos Express. laugh.gif
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i use pos laju because send from sarawak icon_rolleyes.gif
ironman16
post Nov 11 2020, 02:33 PM

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QUOTE(Haloperidol @ Nov 11 2020, 11:41 AM)
I would like a recommendation of some PRS fund for tax relief purposes...

As long the fund low risk, low commission fees will do smile.gif tq Lowyat-sifu2 ~
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different ppl got different strategy or view , just try below link for the recomend

https://www.fsmone.com.my/funds/research/recommended-funds

Principal PRS Plus Conservative - Class C
Principal PRS Plus Moderate - Class C
Affin Hwang PRS Growth Fund


ironman16
post Nov 11 2020, 02:36 PM

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QUOTE(GrumpyNooby @ Nov 11 2020, 02:34 PM)
This configuration is covering all the risk spectrum from low to high.  dry.gif
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just minta dia kaji sendiri ma, different ppl different style
nanti recomend salah kena marah pula

jika takut n x pantai pilih just take yg moderate lo

This post has been edited by ironman16: Nov 11 2020, 02:37 PM
ironman16
post Nov 11 2020, 02:50 PM

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QUOTE(GrumpyNooby @ Nov 11 2020, 02:38 PM)
So you added your REIT?
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Ya
so far the ROI is 0.74% rclxms.gif
still DCA , havent reach 3k
harap go south lagi whistling.gif

This post has been edited by ironman16: Nov 11 2020, 02:55 PM
ironman16
post Nov 13 2020, 12:25 PM

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QUOTE(cklimm @ Nov 13 2020, 11:21 AM)
A pretty single mother is selling me PRS fund, without any freebies, and 3% sales charge.

Feel cruel to turn her down; feel ripped of to pay the sales charge. How?  icon_question.gif
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brows.gif if u feel kind enough and that sales charge doesn't mean anything or just a peanut for u, why not? whistling.gif
or after that ask she treat u a simple meal oso can, take the chance, who know..... rclxm9.gif become a couple after that (single mother sui bo???)

This post has been edited by ironman16: Nov 13 2020, 12:27 PM
ironman16
post Nov 13 2020, 12:37 PM

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QUOTE(T231H @ Nov 13 2020, 12:27 PM)
thumbsup.gif
and the feeling of satisfaction of having done some good deeds to support this single mother is just maybe priceless too
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in such bad economy, i will try to help too...... icon_rolleyes.gif may b 3% sales charge only means one time starbuck , but this % means target n commision for she thumbup.gif
ironman16
post Nov 13 2020, 01:14 PM

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QUOTE(polarzbearz @ Nov 13 2020, 12:45 PM)
> Buy PRS with 0% SC from FSM
> Use the saved fees to bring her out, gift or stuff for kids, Etc.
> ????
> win! brows.gif
Thanks! This is interesting information and good to know thumbup.gif
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emmm.......not suitable, better buy with she.....chances big a bit ... thumbup.gif
ironman16
post Nov 13 2020, 01:56 PM

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QUOTE(GrumpyNooby @ Nov 13 2020, 01:15 PM)
Conflicting with code of conduct or standard of business conduct whistling.gif
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sweat.gif sweat.gif sweat.gif
ironman16
post Nov 13 2020, 05:31 PM

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QUOTE(LoTek @ Nov 13 2020, 05:04 PM)
🤭🤫
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Wrong reply, sorry

This post has been edited by ironman16: Nov 13 2020, 05:31 PM
ironman16
post Nov 13 2020, 05:33 PM

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QUOTE(cklimm @ Nov 13 2020, 04:34 PM)
It turns out that, the girl studied at the same college as my useless son did.
Both of them seems know each other, but not wanting to say much about that.
Looking at the picture of that little kid, the eyebrows just feel so familiar...

Maybe I should stop digging into the issue. sign0006.gif
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So familiar 😂😂😂😂
Better help, trust ur six senses

This post has been edited by ironman16: Nov 13 2020, 05:33 PM
ironman16
post Nov 13 2020, 10:35 PM

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QUOTE(cchin8888 @ Nov 13 2020, 09:32 PM)
any agent intro for public mutual or Ambank for PRS? Penang one
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if u want public mutual agent based at penang i know one la, kindly pm me if u interest to get the contact......but why public mutual? got sales charge o sweat.gif
ironman16
post Nov 14 2020, 11:29 AM

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QUOTE(cchin8888 @ Nov 14 2020, 09:00 AM)
any PRS recommended? I just saja want tax relief... because I found Public Mutual return anualise more stable... I know Affin and Manulife no Sales Charges
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Public Mutual return anualise more stable 》》》 means unit trust or PRS fund????

i prefer Principal n affin,
if u still young, just consider Affin Growth PRS, thumbup.gif
if takut sikit , can consider Principal moderate or Affin moderate brows.gif

can click n do some home work

>>>> https://www.fsmone.com.my/funds/tools/fund-selector
>>>> http://gllt.morningstar.com/e6qvxuu98r/fun...B&tab=ShortTerm

This post has been edited by ironman16: Nov 14 2020, 11:31 AM
ironman16
post Nov 14 2020, 05:15 PM

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Besides annualised return, i think must consider oso calendar year return
ironman16
post Nov 14 2020, 09:48 PM

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QUOTE(GrumpyNooby @ Nov 14 2020, 07:55 PM)
Calendar year return is not so accurate right?
If that year is slump year, you may have negative return.
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ya, i agree with u
i means after consider annualized return, i oso consider its calendar return.....
i try choose the one that with consistent return every calendar year , if negative return nvm , make sure not the worst one or try to be the best one whistling.gif
(reits PRS is special case for me brows.gif )

This post has been edited by ironman16: Nov 14 2020, 09:50 PM
ironman16
post Nov 16 2020, 05:12 PM

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QUOTE(cklimm @ Nov 16 2020, 03:34 PM)
Affin moderate is good, Kenanga is better;
but PB Mutual surprises me, for its sudden spike after years of underperformance

[attachmentid=10686630]

[attachmentid=10686631]
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PM spike may b due to healthcare stock ? just like my PM e flexi fund, oso spike after several year underperforme. i fast fast switch it after spike high icon_idea.gif
ironman16
post Nov 17 2020, 01:00 PM

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QUOTE(RoofTopPrince @ Nov 17 2020, 11:43 AM)
Just bought my first PRS with Affin Hwang Growth Fund... any advise for next steps? May I know how do I login after I bought my the PRS?
https://www.ppa.my/
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First time purchase PRS? oledi got PPA number?
If got can go PPA website open acc lo
ironman16
post Nov 17 2020, 01:28 PM

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QUOTE(RoofTopPrince @ Nov 17 2020, 01:22 PM)
Where do I get the PPA ID?
I have buy and provide my IC through here https://prsenrolment.ppa.my/ maybe need to open account?
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oh, if u purchase through PPA not need , just wait them help u settle all the stuff.
later the fund that u purchase will appear.

i though u purchase through FSM or others platform

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