Not necessarily true , I plan to do more research on all existing PRS funds , thanks to MUM's list as well, and to try my best to ensure , that the capital that has been invested does not suffer loss. What's so wrong about that?
Would it make sense to have tax benefits , and what if the PRS value tanks ?

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This post has been edited by drbone: Sep 4 2025, 02:21 PM

How many years u have till 55?

Eh no leh. I don't follow traditional textbook principles. That is not the right way to build wealth. Traditional textbook always said fixed income must bonds. Not true. I am just following people who have been successful before me.

When you lock up your money, you basic goal is make sure it can give you EPF returns as the bare minimum.

If you cannot give you EPF returns not worth to lock you money up.

There 2 other cost you didn't see by making capital does not suffer a loss.
1. Silence behind the scene inflation reducing your purchasing power of your PRS capital
2.. Silence annual management fees of 1.5%p.a do you want to pay somebody 1.5% to help you keep your money and return the money to you without much return? If it's me I will fire that guy in charge of my money if that is all I paid him for. Might as well keep inside the bank account or dump it into EPF. How can you let the fund manager eat your money for free. Come on la.

This post has been edited by Ramjade: Sep 4 2025, 04:07 PM

FSM One PRS RM40 cashback promotion announced https://www.fsmone.com.my/article/339501



Deposit now or wait a bit till year end?

if you are going to buy aham fund, then versa is giving RM50

any idea which to invest?

If you want US exposure, any of the Principal retireEasy series and AIA growth

Not sure about others, but if for me, .....
I would select the fund that has mandate to invest in the area that would supplement my other investment that can help achieve my pre determined % of allocations of my diversed Investment portfolio.
Example,
If my current investment portfolio does need a 5% more allocation into FI and when that sum of money available to buy PRS is 5%, then i will just buy PRS that is designated as conservative mandated.

What the different between these PRS funds - Principle RetireEasy 2040,2050,2060

looks like the end of the year PRS promo. only FSM, KDI and Versa providing promos:

- Versa / AHAM: RM50
- FSM: RM40
- KDI: RM30

anyone got called from Versa about PRS? They offering additional RM50 just to transfer from other providers as well. I tried submitting since I dont really use PM UT anymore. Dont see this shouted out as much..

Versa PRS is actually AHAM PRS right?
How is the performance over the years?

If you ok with not very good performance go ahead. Don't chase those free money cause it's just marketing.

Not very good.

I've been auto debiting into PRS growth-i for awhile and its pretty good!

read up about target date fund.

basically the 2040 2050 2060 is the year you plan to retire.
the fund will adjust the portfolio so that its more and more conservative towards retirement date.

eg:
the year is 2035.
2040 fund's portfolio will be more conservative.
meanwhile 2060 fund's portfolio remains more agressive.

nice - i normally do lump sum and it is pretty good