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 Private Retirement Fund, What the hell is that??

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cklimm
post Jul 21 2021, 09:53 AM

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QUOTE(MUM @ Jul 21 2021, 09:49 AM)
for PRS funds....i read last time for FSM PRS funds no need to wait,...always 0% SC
now must wait for promo to get 0%SC?
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zero sales charge all the time, another RM70 ewallet during promo
cklimm
post Jul 21 2021, 11:54 AM

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QUOTE(ironman16 @ Jul 21 2021, 09:56 AM)
not sure the calculation is correct or not.....u guy oso can flip2......thats what i know  brows.gif
uncle wanna wait for the extra "promo".....like free voucher if one shot 3k... rclxms.gif
uncle havent start buy prs this year?.... brows.gif
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Yeah, last December bought manulife PRS APAC reit

on top of RM70 ewallet, the fund now untung 10% brows.gif
cklimm
post Jul 30 2021, 08:37 AM

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QUOTE(Takudan @ Jul 28 2021, 02:56 PM)
I agree the companies are strong and I highly doubt China would want to kill them off entirely; they just want to put a leash on them. So the open question now is:

How long more will it drop?
How tight of a leash will be imposed?


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There goes the innovation that brought them to the high prices in the 1st place. with leash, no more new breakthroughs
cklimm
post Jul 31 2021, 09:18 AM

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QUOTE(Ramjade @ Jul 28 2021, 08:05 AM)
If you haven't buy yes. If you already buy no need. Just hodl.
Now massive dumping of China shares. Fear and blood is on the street.
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and it merely lost 1.3%, how resilient!
cklimm
post Jul 31 2021, 06:01 PM

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QUOTE(Ramjade @ Jul 31 2021, 09:41 AM)
Which one? I never even follow cause it's long term for me.
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This
https://www.fsmone.com.my/funds/tools/facts...rc=fund-details
cklimm
post Aug 13 2021, 02:07 PM

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QUOTE(Hansel @ Oct 10 2011, 01:31 PM)
Please consider this risk : Ten years later, this scheme may end up bankrupted, since Gov'ts can go bankrupt nowadays. What do you think of this current Gov't ?
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Cant believe it has been 10 years, and is still going strong.
cklimm
post Oct 2 2021, 09:30 AM

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QUOTE(maskcooler @ Oct 1 2021, 10:58 PM)
finally is here
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QUOTE(ang1222 @ Oct 1 2021, 11:30 PM)
Do u think this would be the best deal or wait for PPA year end promotion ?
I guess it would be same if purchase via fsm & PPA right. As ultimately we still can view the all PRS in PPA website itself.

Too bad public bank is always not in the list.
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Things are quite cheap now, The FSM promo just in time.
cklimm
post Oct 4 2021, 04:16 PM

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QUOTE(ironman16 @ Oct 4 2021, 01:54 PM)

seen like PPA oledi run the year end sales  brows.gif
belom naik punya boleh decide which boat to take  cool2.gif
got family member havent jump on boat punya oso ask them put ur PPA number  thumbsup.gif
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They have made it too complicated, combing their T/C, I dont even see whats the minimum investment for existing customers to take part in.
cklimm
post Oct 4 2021, 08:06 PM

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QUOTE(ironman16 @ Oct 4 2021, 06:08 PM)
that why i give the link.....i cant find it too.....may b 3k one shot.....impossible u top 100 they oso give u ma  hmm.gif
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thats my plan, 3k with fsm, rm100 with ppa, win anything consider untung.
cklimm
post Oct 4 2021, 11:15 PM

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QUOTE(ironman16 @ Oct 4 2021, 08:14 PM)
wow, uncle mahu dua2 pun makan ?  drool.gif
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3 actually, dont forget the tax relief cool2.gif
cklimm
post Oct 6 2021, 08:47 AM

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QUOTE(ironman16 @ Oct 2 2021, 09:36 AM)
As uncle lim said, now is the time seen almost in year end sales.

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So, for my 1st time, I have bought 3k with the fabled Principal APAC ex Japan PRS,

Reason: seeing it dropped for more than 4% in 3 months, should be a decent entry point.

Method: just tap and swipe with the FSM app, but signing with finger feels awkward, hope they accept the slightly warped fingnature

user posted image
cklimm
post Oct 6 2021, 06:07 PM

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QUOTE(Barricade @ Oct 6 2021, 05:17 PM)
I DCA monthly RM250 into this since January after buying lumpsum RM3k last december. Highest return was up to 11% but today drop until a merely 0.77%. Quite disappointed.
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Well, much better than buying lumpsum at the highest point isn't it?
cklimm
post Nov 17 2021, 10:20 PM

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QUOTE(mroys@lyn @ Nov 17 2021, 08:52 AM)
Hi, i missed the oct low opportunity and now it's time to top up my PRS for income tax deduction purposes. do you think i should wait for year end?
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it is also quite low now, thanks to the shock due to cukai makmur. Just buy
cklimm
post Dec 8 2021, 05:09 PM

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QUOTE(Seth Ho @ Dec 8 2021, 04:06 PM)
ya i got a/c with FSM, so far only bought through PPA but want to buy through FSM end of this year.

So if the fund bought at PPA i only can see at PPA?
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Yes, PPA can also see what you bough on FSM, but not the other way round.


QUOTE(QSYT @ Dec 8 2021, 04:31 PM)
FSMOne seem better cause doesn't have sales charge.
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Yeah, especially when it comes with free top ups.
cklimm
post Dec 27 2021, 11:57 AM

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I've received an email from FSM with link to a touch n go reload code, anyone else?
cklimm
post Mar 8 2022, 12:02 AM

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QUOTE(Barricade @ Mar 7 2022, 10:42 PM)
My PRS drop a lot lately. Been DCA since 2020

Principle PRS plus Asia Pacific Ex Japan Equity Class C
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QUOTE(honsiong @ Mar 7 2022, 11:20 PM)
Yeah weird, not sure whats going on, hopefully it's not some world war 3 event happening  sweat.gif
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now is a decent time if you want to top up
cklimm
post Apr 15 2022, 10:02 AM

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QUOTE(cyclone9 @ Apr 12 2022, 03:00 PM)
How long pmo will reflect new prs fund after I open new account?
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It depends on where you open your account, if online should be 1-2 days, if branch up to 1 week.
Thank you in advance for investing with PMO (disclosure: I am a PBB shareholder)
cklimm
post Sep 5 2022, 07:56 PM

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user posted image
https://www.fsmone.com.my/funds/research/ar...edits?src=funds

Okay guys. here it comes again, what to buy, and when, this time?

This post has been edited by cklimm: Sep 5 2022, 07:56 PM
cklimm
post Sep 6 2022, 10:21 AM

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QUOTE(!@#$%^ @ Sep 5 2022, 08:07 PM)
are china funds at near bottom yet?
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which PRS fund has Chinese exposure?

QUOTE(maskcooler @ Sep 5 2022, 09:58 PM)
Thanks for sharing.Can someone explain the RM40 free credit? Is it cash or credit in fsm account?
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Never tried it, used to get RM40 touch n go

QUOTE(MUM @ Sep 6 2022, 09:05 AM)
thumbup.gif thanks for the updates.

btw,...do note of this in their T&C
when you invest a minimum gross investment amount of RM3,000 in one PRS Fund in a single transaction

thus is about 1.333% discount
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Principal APAC Ex Japan fund been discounted about 10% YTD though sweat.gif

This post has been edited by cklimm: Sep 6 2022, 10:23 AM
cklimm
post Sep 13 2022, 07:47 PM

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QUOTE(Sonnet Porky @ Sep 13 2022, 07:01 PM)
Is this a good enough promotion or should we wait for the year end promotion by PPA? Usually they have some year end promotion right?
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there is one now, does it look good to you?
https://www.ppa.my/isaveinprstreatscontest/
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