oh no u found the loop hole to invest in CIMB Asia Pac UT without sale charge for > 55 yo 

so still fsm the best for prs?

Should have lump sum when it was bottom. Only put RM1000 coz I thought it will go down further... nope. 

i dont wan wait liao, takut i belanja that money 

If u can timing the market, buy at the lowest point. 😁😁😁
If u can't timing the market, just like me lo, dca or if got dip like march, in again.

Although PM recently is good but i won't consider bcoz the performance is only recently n come with sales charge oso, unless u can get the 0% sales charge for PRS 😁😁

Even u can timing the market but prs is for long term, like me still got almost 20 years to go, sure got up down up down ma. Tak akan when up i said my prs is pro n good, n down i sumpah itu prs providers n switch??

Is PRS contribution still tax deductible this year?

Thinking of buying Principal PRS Islamic fund this year.   Ok ma?

no PRS topup promo this time round?

I don't know how u ppl choose.
I definitely will choose the fund with consistent return in each calendar year. Not the highest nvm but consistently give me better return. I don't like low performance previous year but suddenly spike high fund.

### i don't choose Conservative fund. Prefer growth /moderate /equity.

Can consider affin growth n moderate, no bad

No, i got moderate only, but normally i seldom enter same fund house twice for prs. This year just enter am REITs.
I flip2 n just realise this affin growth not bad.
Just recommend only. Whether wan or not is up to him

Waseh, ada buat home work, 👍👍👍
U got any recommendations?
Share2 sikit 😬😬😬

Thanks for this info.  I have both so was wondering if I should top up instead of finding a new fund. 

Would you kindly recommend another better performing fund pls?

No right or wrong, up to us nia.
I just dun wan pay the rm8 to fund house nia. 😜
Haven't decide next year what fund 😅
May b pay rm8 go affin if no choice.
Last time i hampir wanna gi kenanga oledi.

So, u pay rm25 to ppa for switching?
What fund u still holding?

This one I also have.    Am thinking about AmPRS ... stable ka?

Bukan got rm25 switching fee???
If like this can consider switching moderate to growth

Me too, have been keeping with this fund for 3 years consecutively for tax relieve purposes. 3 years with average total returns of 15%, not bad.

Can I switch my PRS funds? Can I switch my PRS funds to a different fund house?

Yes, you can switch within same fund house and between different fund houses. You may login into your investment account and click on Funds >> Transactions >> Sell/Switch to execute the switching transaction.

There is no switching fee and also no restriction to the number of switching transactions EXCEPT for the fund houses below:
•CIMB Principal Asset Management - 12 times* free switch per calendar year
•Manulife Asset Management Services Berhad - 12 times free switch per calendar year
*one time switching per month
However, for switching of PRS funds between different fund houses, you are subjected to the conditions below:
1. Transfers are permitted once a calendar year for each PRS Provider;
2. The transfer is only allowed after one year from the first subscription date;
3. There is sufficient units in the fund(s);
4. Each transfer request is only between two PRS Providers; and
5. All accrued benefits to be transferred from a particular fund must be transferred correspondingly to one other fund managed by the Transferee Provider.

Please be advised that you will need to pay a PPA transfer fee of MYR 25.00 per request.

so, what is the highligthed sentence means???
means for different fund house???

For AmReit I have to go to Ambank personally to buy the first time right?  With Covid-19 and many working from home, will REITs produce similar results in the next few years?  Whats your thoughts?