Would like to to know is there any other hidden charges/concerns other than one time RM0.50, if I invest in PRS through cimb bank/topup through PPA website.

Previously invest through Cimb and is having PPA account but not FSM account. Is thinking of open FSM account next year, but is it appropriate to just topup through PPA website this year.

Would need some advices on the CIMB funds to go for if i want to topup? Currently having "Principal PRS Plus Asia Pacific Ex Japan Class A".

Thanks.

Yes, and if invest in new fund, which CIMB fund should i go for?

read through the comments and it seem invest through FSMOne is the best option in terms of charges applied. But if compare among topup through PPA website and topup directly from sales representative at Bank for respective fund, is it through PPA better as you get less charges?

Scenario:
- Invested in Principal PRS Plus Asia Pacific Ex-Japan Equity A previously at CIMB Bank
- No FSMOne account
- Re-invest in same fund

to be honest, i am not sure about the sales charges since top up is done in different year. Perhaps is anyone there know how much different for those 2 options?

When I check, at PPA website, it is 3%, is that means both PPA and topup through bank representative are the same. FSMOne seem better cause doesn't have sales charge.