dear sifu all,

So I have been putting in money every month since 2015 to PRS. I am terrible at all these investing stuff and I dont really know how to calculate if I even make any money. After calculating what I put in at the end of March 2025 which is approximately 169K, the market value of the units today is just 196K which includes some income distributions units. Is it worth to carry on putting into PRS or should I just take it all out and put in FD instead?

Even though the 169K is accumulated slowly over a 10 years period, I think if I had initially put this same amount in FD, I could have made much more. But I am not looking for answers if PRS is a good thing or not, just what should I do at this period - withdraw or let it roll? Other forms of investment is not good for me except FD or EPF. I have this "buy what, lose what" kind of fate.

Yes I am eligible to withdraw my PRS anytime

TIA

This post has been edited by N9484640: Mar 26 2025, 09:58 AM

yes passed retirement age already. i may have incorrectly calculated the amount i invested, i added in those income distribution also

aham moderate fund.
i just put in a percentage of my salary every month so some years with good bonuses can go above 20k

So in another words, I should withdraw all and put it into something else 😅

EPF already maxed out for this year.

Now I check my PRS acct, I see it says earning is 14% but this is throughout the last 10 years. Earning still depends on the current unit price right? Not comparable to FD whereby even though interest only 3 to 4%, it's compounded.