While waiting for value added responses and unknown to how much exposure to "China" or if that exposure to "includes" Greater China region like HK and Taiwan, you required.
You can try start to look for fund fact sheet from the list in here, that has the word Asia Pacific. In the fund fact sheet or prospectus would most probably can see the % of "exposure" to China

https://www.ppa.my/wp-content/uploads/2025/...ds_6_1_2025.pdf

Hi, which PRS fund has a good dividend pay out in 2024?
I noticed Maybank Global Wealth Growth Fund.

Sales charge 5% per unit
Annual Fees 1.80% per annum of the NAV of each Class
Trustee fee 0.04% per annum of the NAV of the Fund
Is it consider high? I am a rookie in this PRS.

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

dear sifu all,

So I have been putting in money every month since 2015 to PRS. I am terrible at all these investing stuff and I dont really know how to calculate if I even make any money. After calculating what I put in at the end of March 2025 which is approximately 169K, the market value of the units today is just 196K which includes some income distributions units. Is it worth to carry on putting into PRS or should I just take it all out and put in FD instead?

Even though the 169K is accumulated slowly over a 10 years period, I think if I had initially put this same amount in FD, I could have made much more. But I am not looking for answers if PRS is a good thing or not, just what should I do at this period - withdraw or let it roll? Other forms of investment is not good for me except FD or EPF. I have this "buy what, lose what" kind of fate.

Yes I am eligible to withdraw my PRS anytime

TIA

This post has been edited by N9484640: Mar 26 2025, 09:58 AM

The more important question is, is your age over 55 to withdraw from PRS?

yes passed retirement age already. i may have incorrectly calculated the amount i invested, i added in those income distribution also

May I know what PRS funds are you holding?
What PRS funds did you held for 10 yrs?
1 year 3k max invested ( to be eligible for max tax relief) X 10 yrs = 30k invested.

You put in more than 3k yearly into PRS funds?

aham moderate fund.
i just put in a percentage of my salary every month so some years with good bonuses can go above 20k

Usually most people here would not put >3k. They put in just for the tax relief as money placed in would be subjected to lock in period.

When did you start can withdraw anytime?

Anyway, you should be in "GREEN" for yr this 10 yrs investment.



This post has been edited by MUM: Mar 26 2025, 04:37 PM


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So in another words, I should withdraw all and put it into something else 😅

Depends on your risk appetite, your need for better returns .
Can try explore KWSP self contribution 100k per year, since you are at retirement age now

EPF already maxed out for this year.

Now I check my PRS acct, I see it says earning is 14% but this is throughout the last 10 years. Earning still depends on the current unit price right? Not comparable to FD whereby even though interest only 3 to 4%, it's compounded.

You are lucky already as there are prs fund that had losses

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.

Hi everyone,

I’m considering transferring out of my current PRS fund, Principal Islamic RetireEasy 2040 A, as its returns have been underperforming compared to FixDeposit. I’m looking at the following options and reviewing those based on past performance on FSMOne:

1. AHAM PRS Growth Fund
2. Manulife PRS Growth Fund
3. Manulife PRS Shariah Growth Fund

I’d love to hear your feedback or suggestions for better alternatives. Also, if anyone knows of any other websites or discussions where I can further analyze on the PRS funds, I’d be grateful for the recommendations!

Cheers,

This post has been edited by m_m1: Apr 6 2025, 06:44 PM

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

I looked up this principal islamic fund, its quite a new fund. Established in Sept 22. How long have you invested in this fund? Are u expecting positive returns every year? Funds sometimes have bad year or two.

But cons of this fund:
1. Still very new with short track.record
2. Small size, no scale. So fixed expenses will eat up a lot of the returns.

And sorry, I dont have a view of any of the other 3 funds you mentioned. Most PRS have been sub par because of high exposure to Malaysian equities and also bonds.

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.

good time to go in US heavy PRS?

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