Don't use focus on most US exposure. Focus on who got the best returns over time and who have the least draw down.

Supposedly retire easy 60 got more US exposure but retire easy to got better performance. Yes past performance not same as future performance but give you some kind of like record.

sign up for PPA.my (PRS website)
enrol here...



fill up to create new fund

Good day everyone.

I am looking to buy PRS for tax relief purpose. Initially i asked my AIA agent about their PRS and get to know that they will charge 3% for total deposit each time.

Is there any way to avoid it? I saw members shared about PPA which i dont really know what is that, how it works and is it still enough time to enroll online for this year tax relief?

Try check these platform out..
https://www.fsmone.com.my/
https://www.eunittrust.com.my/

Alot lower or zero sales charges.

Btw, they don't sell Public Mutual or AIA funds

This post has been edited by MUM: Dec 12 2024, 05:35 AM

They do sell AIA PRS funds for FSM. Don't know about eunittrust.

AIA and Public Mutual have 3% service charge because you can request agent to meet you (F2F or online) to explain and guide you. Of cause you need to get an experienced one

If you want to save the charges, then FSM is the way to go. DIY.

Public Mutual have complimentary PA life insurance 1:1 coverage up to 50K MYR

i use FSM every year to buy PRS.
0% charge.

except for RM8 annual fee charged by PRS

This post has been edited by sjz: Dec 12 2024, 08:56 AM

Thanks~ signed up FSMone and bought PRS (still pending)
Whats next ya and what about PPA account? I dont have yet, no log in details only a PPA account number provided by FSMone

PPA is just the admin for all the PRS.

You can create an account to see all your PRS contributions but you don't necessarily need to if FSM serves your need.

hi guys, newbie here. If buying PRS now, can still make it for the 2024 tax relief? Planning to open account through FSM. Btw, which fund is the most recommended one? Thanks all.

Don't worry too much about the 3% sales charge. More important is to select a good fund.

I recently bought Public Mutual PRS Equity fund, was charged the 3%, but already gained back everything within 2 months. That was an amazing 20% annualized returns

Yes of course..still 2024.

20% annualised sounds too good

if from past many years record it means something

if only from your 2 months return you ,multiply them by 6 it is totally different

If my new PRS made 3.3% profit in just 2 months
i wont say its annualised return is 3.3 x6 = 20%

far from it

This PRS is a scam. I deposited RM 36000 total and at the end of 10 years I only have RM 32000 in my Maybank etiqa account.

But that's the definition of annualized returns. You cannot argue with definitions

u bought wrong PRS bro!!


Attached thumbnail(s)

are u new in investment?

definitely older than you

Maybank got PRS meh
https://www.ppa.my/prs-providers/

you agree with him?

so if you buy a UT at RM2912 and
2 months later
just 2 months ONLY
u login to check the price
you saw the market value is RM3000 already

wah sudah untung RM88 in just 2 months

so take out calculator see 1 year can untung how much
RM88 x 6 = RM500++

you come here a financial forum
bench marking Financial reports..

Wah your UT very excellent hoh..

annualised return 19.86%

u got to be joking
u know why?