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.

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.

Thanks for the information @Ramjade @Cubalagi.

I initially invested in the fund around 2022. I'm now looking into PRS options with broader global exposure, hoping to achieve better long-term returns than EPF.

I'll definitely look into the points you all shared in more detail. Appreciate the insights!

Cheers,

Hi, this is a screenshot from the AHAM Moderate PRS fund. Does it mean the total fee we have to pay each year is 1.5% + 0.04% + 1.6%, adding up to 3.14% per year?

The 1.6 is ratio.
The fund pays, ...annual mgmt fees and trustee fees.

You don't pay anything more.
You don't feels it.
It is your money that are in the fund that pays it.
It is paid daily through the daily computed NAV.

yea.. 1.6 is including management and trustee fee already right?

Read the prospectus of that PRS fund or any AHAM unit trust fund.
Read under FEES AND EXPENSES and especially under PRICING.
should hv some clarification and examples of that.

cant find any explanation

Sent me the link?

yea.. 1.6 is including management and trustee fee already right?

The frustration of seeing your gains play  YoYo up and down
from  a peak gain RM14.8k in July 2024 down to RM7465 Apr 2025
might as well sell it off when it reach peak again....

The frustration of seeing your gains play  YoYo up and down
from  a peak gain RM14.8k in July 2024 down to RM7465 Apr 2025
might as well sell it off when it reach peak again....

The frustration of seeing your gains play  YoYo up and down
from  a peak gain RM14.8k in July 2024 down to RM7465 Apr 2025
might as well sell it off when it reach peak again....

The frustration of seeing your gains play  YoYo up and down
from  a peak gain RM14.8k in July 2024 down to RM7465 Apr 2025
might as well sell it off when it reach peak again....

My retireeasy 2050 finally see green after a long time

The is no such thing might as well. During July 24, you didn't sell because thinking it can hit RM29.6k in times to come.
I had the same thing from Jul 24 till now in my UT via KWSP. In Jul, it was 22% profit and now is -1.75% (vs. initial investment, a switch of fund in Sept 23).

This is investment, its a long term or you realized if you objective is met. no regrets after that