When trying to check some of the PRS funds last night, I noticed PM Prs Growth Fund & PM Prs Islamic Growth also have large overseas exposure, particularly in US tech sector. Performance for 3 and 5 years also not bad. Apart from the high sales charge, what are the downside? If buy from PPA website instead of PMO, still kena the 3% charge?

Many years ago, .... read in one of the thread, ...
If you have min holdings of RM10k, ...can get their group Mutual Plus 2 insurance at lower than outside rate.

Not sure if you can get to hv it, if you buy thru PPA or if PM still hv it.

Thanks... I wasn't interested with any of the insurance though. Have not seen or hear any claims on those insurance.

I think, you will still kena the 3% sc if you buy from PPA. Bcos previously I read in PM thread, ...even though you buy DIY from their PMO online platform, ...you will still kena that 3% SC for prs funds. None prs equities funds will be more %..

Just not sure of latest info about SC

This post has been edited by MUM: Dec 9 2025, 11:34 AM

If that's the case, have to reconsider, every year performance -3%.

Have to buy using public mutual website. Service charge 3% p.a not sure about latest service charge.

That SC (Sales Charge) is applicable only when you put in fresh fund.
No more SC for money already inside

This post has been edited by MUM: Dec 9 2025, 08:33 PM

Worth it if you can get 20%p.a as that's what you get by investing in the US.

If buy from PMO for sure kena 3% charge. I was thinking can buy directly from PPA, since during enrolment we have to choose a PRS fund to buy.
Maybe I should try once, if really get charged 3% then that's it.
yeah, but every year Rm90 just to claim tax rebate.

Seeing from past performance, not reach 20%. but if can get 10% onwards after deducting 3% charge, me happy already.

Btw how much return you get roughly from Principal RetireEasy?

I think so far 8-10%?
You can check it out in
https://www.fsmone.com.my/tools/fund-selector

So far manage to beat or match EPF. That is my bare minimum.

This post has been edited by Ramjade: Dec 10 2025, 01:52 PM

If you hv already had 30k in there previously and early this year you put in 3k.
If this year the roi of the fund is 10%
You would gain ...
30k +3k X 10% = 3.3k minus 90 sc + savings from tax relief. ( higher your tax bracket, the more you will save)

So is that Rm 90 for Sales Charges, a well expenses?

If you doesn't want that 3%sc, ...try source PRS UT from other PRS providers or resellers. ...a few of them offer 0% sc instead of PRS UT funds from PM

This post has been edited by MUM: Dec 10 2025, 12:42 PM

hi anybody has experience with withdrawing to reduce housing loan?

1. the housing loan balance statement has to be the one certified by bank officer or the e-statement will do?
2. the payment instruction details - is it supposed to be our savings account or housing loan account?

many thanks

I maybe wrong, but I think you posted at the wrong thread.
This is PRS thread

Anyway, for your Q1, ..If you are refering to withdrawal from kwsp, then i think, just think the statement must follow kwsp format
https://www.kwsp.gov.my/documents/20119/447...d0-bb3429a7b3c0

https://www.kwsp.gov.my/en/member/house-wit...loan-instalment

This post has been edited by MUM: Dec 11 2025, 08:57 AM

thanks.

but i am indeed referring to PRS. i want to empty my prs account B. after getting the tax relief, really no other reason to keep inside.

I think you can check this out and hopefully it helps?
Guide to Complete Form for Housing Withdrawal.
https://www.ppa.my/wp-content/uploads/2022/...-Withdrawal.pdf

https://www.ppa.my/prs-and-you/prs-faq/

yup. i did. was hoping can avoid making a trip to the bank with e-statement. also i believe there will be some charges for certified true copy and i have 3 service providers to redeem from

After having read that, did you notice that there seems to be different types of requirements for bank statements for the various stated category withdrawal for housing needs.




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yup. making life difficult for everyone. when want to topup and enrol, everything can be easily done online. but when u want to withdraw, then so many requirements. same for banks.

If transfer in from other providers, will kena that 3% mou? now I am interested with that insurance, covers till 74 summore

I think, just think, ..if transfer also will kena bcos you need to sell your other provider UT and buy PM ut. Buying will kena 3% Sc

Unless, you can arrange with PM in advance to waive it.