Depends on performance of the fund lo. I don't want to just get back my capital. The money I put in must match EPF returns as the bare minimum.

I think there is no officially stated capital protected prs funds in the offering yet.
Depends on
what you bought,
when you bought it,
how long you hold on to it,
Did any periodic top up?
Any Sales charges being paid?
When you want to sell? (Sell during mkts tank is bad)
These things if done badly may cause you to loss some of your capital when you want to withdraw.

I think Conservative Prs funds will most likely see less performance volatility and shorter periods of up/down, ......thus you may perhaps see better chances of getting at least your capital back.

This post has been edited by MUM: Sep 3 2025, 04:19 PM

PRS for me would be just for tax savings , no other reason as I rely on my other avenues for passive income.

Please share a link to read up on which is the PRS fund with least volatility.

You don't want fund that is the lowest volatility. That's a wrong way of thinking. You should aim for high return assuming you got long runway.

Assuming you can get double digit return the most a market drop would be 30-50% assuming you already got 70% return, when and if the that happen you would be still up by a lot vs a bond fund that give you 1-2%p.a

https://www.ppa.my/wp-content/uploads/2025/...ds-04082025.pdf

After having gotten those interested funds that you liked, then can goto fsmone or public mutual websites to check the performance in graphs or/and by calender year. They may even list it risk ratings too

This post has been edited by MUM: Sep 3 2025, 04:53 PM

taking your example with your stated criteria.
Profit already 70%
Mkt dropped 30-50%

Then mathematically,
Capital is 1000 + 700 (from 70% roi) = 1700

Capital 1700 if mkt dropped by just 42% the capital would become 986.

This post has been edited by MUM: Sep 3 2025, 05:38 PM

I will give you an example. I was all in on Principal PRS Plus Asia Pacific Ex Japan Equity for donkey years since Najib time. It was my only prs, I only put in RM3k/year Make easily 20-30% p.a then emperor xi decided to be smart. I still manage to get our with my capital intact. Return not ideal. But yeah if not for the gains, would be in the red.

I don't subscribe to traditional banking method where yo protect your capital buy low volatility fund unless you are very near to when you need the money. If you got like 10-15 years down the road, don't bother with fixed income fund.

In fact I will be 100% in stocks upon retirement. No bonds for me.

This post has been edited by Ramjade: Sep 3 2025, 09:19 PM

Just dont simply put numbers like in your earlier example that can be mathematically be proven not correct for intended use to support the message you wanted to get it across

This post has been edited by MUM: Sep 4 2025, 12:56 AM

It's true. Higher returns can give you higher safety cushion Vs something which is like 1-2%. Been there done that. I am talking from my experience that my stocks have drop like 50% and still I am in the green by double digits.

It will be true and correct ONLY when you use the correct numbers for that example.
If and when you used that 70% roi and 30-50% drops as your example, ....then mathematically is still not correct as the capital is in negatives
(Better to use 30-40% drops instead of 30-50% drops).

Btw, on another notes, if after having dropped 50%, it will need to make roi gain of 100% to go back to pre drop level, which could takes some times

This post has been edited by MUM: Sep 4 2025, 02:53 AM

I give you you my real life example. Bought crowdstrike Int he low 100 range. Now price is 400+. That is a very huge margin of safety. Last year when it sold off like crazy it only reach 250+. Still huge margin of safety. It sold off around 50%.

You can argue numbers all you want, I argue with you real life example.

You want more I got some more. Microsoft 250 range. Visa 220 range, DBS 36-38 range, UOB 27-29 range. Brookfield assets management 30 range. cal maine foods 80+ range, BlackRock 500+ range.

Yes they are not funds but stocks.

You want funds I also got. My principal global titans. Bought using my EPF money. I think 50-60% return already. April crash still in the green.

This post has been edited by Ramjade: Sep 4 2025, 02:56 AM

Just use your earlier numbers then prove it mathematically that after 42% drops, the capital is still positive.
Just do it

If you cannot, then just admit you are wrong
Human makes mistakes are normal

This post has been edited by MUM: Sep 4 2025, 05:48 AM

What's wrong with real-life example? I prefer real life example Vs theoretical hypothetical scenario because it shows you
1. What happen real life
2. It have been tested by fire

You do you I do mine. This is what I learn from my teachers. Holding long term and buying at a reasonable price can give you lots of margin of safety. You don't want to believe my real life examples so be it. It is your money. Not mine.

This post has been edited by Ramjade: Sep 4 2025, 08:32 AM

Still want to deny the mistake in your given example.
Still want to twist your error.
Still want to argue that you are right.
Still want to tell another new grand mother stories to shift the focus away from your mistake.

I wonder what did you actually learn.

Okay lah, no need to prolong this.

You do you, you do what you like, ...includes continue with feel great, feel egoistic postings even to the extent of refusing to accept simple mathematical mistakes when corrected.

I will no comment on your earlier mathematically mistake again.
No point to correct mistakes of a blind egoistic man.

Have a nice day, have it your way

This post has been edited by MUM: Sep 4 2025, 11:32 AM

I don't know why you keep harping about theoretical scenarios when I have given you real life scenario..

My best example is crowdstrike. Same concept. It drop by more than 50% and I am still in the double digit profit and my capital intact. More than your our 42% drop Vs my real world > 50% drop? What more can you ask for real life example? If follow your logic and calculations, I should be the in red. But I am not. Keep in mind this is a 50%+ drop with me still getting double digits returns.

Its not about simple maths.

It's about it happened to me and I am sharing my experience showing that huge return decrease in the asset can be mitigated by the price you buy and when you buy them. It's as good as a real life example if you are holding a unit trust instead. True unit trust are not stocks but underlying they are stocks.if you invest in unit trust that hold stocks

I can even give you further real life examples from Singaporean during COVID crash where everything drop. Doesn't matter what you own, everything drops.

This post has been edited by Ramjade: Sep 4 2025, 12:38 PM

This post has been edited by MUM: Sep 4 2025, 12:55 PM

There was no additional buy. Your maths depends
1. How much you have gained and what price you bought them.
2. How long you have invested
3. How mach was the losses

So you can argue maths until cow come home but you cannot ignore what I just showed you. No need to get the lowest volatility fund to preserve capital. That is my thesis and I am sticking with it.

This post has been edited by MUM: Sep 4 2025, 01:18 PM

If your aim is just to get back capital, might as well don't invest.

Your money locked for so many years, you should expect some return besides the income tax relief.

no need to argue with Ramjade la

he is always right, everyone is wrong