In FundSuperMart, the following Principal PRS funds are offered.

- Principal PRS Plus Principal RetireEasy 2030 - Class C
- Principal PRS Plus Principal RetireEasy 2040 - Class C
- Principal PRS Plus Principal RetireEasy 2050 - Class C
- Principal PRS Plus Principal RetireEasy 2060 - Class C
- Principal PRS Plus Principal RetireEasy Income - Class C
- Principal Islamic PRS Plus Principal RetireEasy 2030 - Class C
- Principal Islamic PRS Plus Principal RetireEasy 2040 - Class C
- Principal Islamic PRS Plus Principal RetireEasy 2050 - Class C
- Principal Islamic PRS Plus Principal RetireEasy 2060 - Class C
- Principal Islamic PRS Plus Principal RetireEasy Income - Class C


My objective is to obtain the highest return, regardless of whether the fund is conventional or Islamic.


As such, the PRS fund that I should choose is Principal PRS Plus Principal RetireEasy 2050 - Class C, because this fund has the highest holding of Principal Global Titans Fund MYR, right?


Thank you for your information.

Feeder fund, worth it?

Worth it. As long as outperform EPF. You get best of both world.
Income tax relief, 10%p.a return. Good enough for Malaysia standard.

Ramjade

For this year, which PRS fund do you invest in?

Between Principal PRS Plus Principal RetireEasy 2050 - Class C, and AIA PAM - Growth Fund?

Thank you.

100% into retireeasy 2050. If one day they have a fund that is 100% US focused (unlikely) that will be the fund I choose.

My PRS doing well so far this year.

Aham moderate PRS fund

most of the decent funds are up from the past few months

Principal RetireEasy 2050 - Class C from Dec 2023 to now already 19+%
in 6 months

semua pun naik

Thank you.

The price of Principal PRS RetireEasy 2050 is quite high lately, so I just wait for the price to drop down, before I invest in this PRS fund.

I may not get the lowest price, but it is fine. I can wait till the end of this year.

Wah..there is also a 47% return 😲

ontop of that 25% from income tax.
every year 3k mesti masuk..
actually can pump in more hor if we knew it..
manalah kita boleh tahu......

I will use EPF money so no need to fork out my own money. Yeah. Or until end of this year.

I won't bother with more than 3k unless govt give for income tax relief. QQQ beat all of them hands down.


That's why I said choose the right fund. You get best of both world. Good return, income tax relief. Lots of people don't want to listen. All only want to buy for tax relief.

That's also why I snubbed all AHAM funds as they cannot beat Principal retire easy performance even though Versa trying to dangle me some carrots

This post has been edited by Ramjade: May 19 2024, 11:46 PM

That 47% was from an Aham prs fund tho.

Depends on how long you hold those funds.

If you use this website to check, you will see their performance is meh.
https://www.fsmone.com.my/funds/tools/chart-centre

You're comparing a fund with less than 3 years RetireEasy2050 with that of more than 10 years AHAM Growth.

PRS scheme was launched in 2012, those who have invested in AHAM Growth would have compounded gains compared to when they have waited to invest in RetireEasy2050 which is only available in nearing Q4 2022. Not pragmatic isn't it?

That said, the US market started to rise just recently and all funds will float up as well, especially if they have the exposure to that market.

Can I just purchase 3 year PRS then stop paying?

every year you contribute to PRS, you can claim max RM3k as tax relief

Ppl invested in PRS solely because of the 3K tax incentive; which is until 2025 next year, unless extended again.

Most would unlikely to top up further beyond this extension as there are other better means of investment out there.

I started my journey with principal pra Asia Pacific when prs was introduced. US market have been going up since last time. It was the darling fund but you cannot blame them as they focus on china and emperor xi is the main problem.

Yes that's true. Even though 1y only, my past and present experience with US market have shown it's a resilient and I will continue with principal prs retire easy going forward. I will not change them back to principal prs Asia Pacific.

you switched out from Principal PRS Plus Asia Pacific Ex Japan Equity - Class C? any switching fee? How long does it take to switch?

This post has been edited by virgoguy: May 24 2024, 09:46 AM