could you be more specific as to where you to contact you and how much you want to invest?
ex, you could be in Sabah and the agents could be in Perlis.....wasting both your time and his time to PM and reply. isn't it?

just a note: Tax Relief of RM 3000
Deferred Annuity and Private Retirement Scheme (PRS) - with effect from year assessment 2012 until year assessment 2021

http://www.hasil.gov.my/goindex.php?kump=5...3&unit=1&sequ=1

I think the RM 10 account opening fees is one-off....if I am correct, then when you apply for another fund, then there will be no fees for PPA unless those charged by the FH.
unless for the 2nd year....if you top up 2 funds...then 2 x RM 8 annual fees applies.
because I read PPA Annual fees --This fee is not payable by you for the year your account is first opened and the year(s) where no contribution has been made.

Annual fees = RM 8 to be charged yearly per provider (not payable for the year the account was opened and on the year where there is no contribution)

from the wordings....YES, sound like it. UNLESS there is no contribution for that year.
I not yet have this experience or asked the FH/PPA yet.

This post has been edited by T231H: Jan 31 2015, 07:04 PM

wow the mgmt fees also NOT same.
SLOWLY< slowly, makan you BALIK?



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lower SC but HIGHER mgmt. fees?

i dun get the actual meaning of yr post.
do you mean "onli affin hwang prs moderate / growth" are not holding into one or more funds of the respective PRS provider?

PRS funds performance data...from PPA
http://www.ppa.my/getting-started/funds-re...nd-performance/

just an added note:
Investment involves risk. The price of securities may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment.
Past performance is not necessarily indicative of the future or likely performance of the fund. Investors should read the relevant fund's prospectus for details before making any investment decision.
An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.

This post has been edited by T231H: Mar 27 2015, 12:20 PM

any idea where to see?

last year when?....Dec?
Page#34 post#664 did ask and some forummers had responded.

This post has been edited by T231H: Mar 27 2015, 09:13 PM

If want to contribute to EPF can do the self contribution
http://www.kwsp.gov.my/portal/en/web/kwsp/...lf-contribution

with EPF can have tax break too
PRS is added tax break.
just do bear in mind that what ever goes into those...have T&C when one needs to withdraws.

see note 21 & 23...
note 11 can consider too
http://www.hasil.gov.my/goindex.php?kump=5...3&unit=1&sequ=1

List of PRS Providers approved as at 25 April 2013
http://www.sc.com.my/list-of-prs-providers/

Best? how to define? Best Return? Best resilience? Best Suits you? etc....

PRS funds performance data...from PPA
http://www.ppa.my/getting-started/funds-re...nd-performance/

just an added note:
Investment involves risk. The price of securities may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment.
Past performance is not necessarily indicative of the future or likely performance of the fund. Investors should read the relevant fund's prospectus for details before making any investment decision.
An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.

This post has been edited by T231H: Mar 29 2015, 07:25 PM

tax rate table....redo the maths?

This post has been edited by T231H: Apr 2 2015, 02:34 PM


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If they got it in OCT, then I think you will get it in Apr...

This post has been edited by T231H: Apr 4 2015, 09:50 AM


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no CIMB PRS that feed into Ponzi 2.0?

so if you are not concern about the tax relief or the withdrawal limitation....
I think, why not.....50% extra...
as for the performance of the fund compared to others...who knows how it or THEY will go.
why you asked? you think not?

Ponzi 2.0 = CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND
http://www.fundsupermart.com.my/main/fundi...umber=MYCIMB007

CIMB-PRINCIPAL PRS PLUS ASIA PACIFIC EX JAPAN EQUITY - CLASS C
http://www.fundsupermart.com.my/main/fundi...umber=MYCPPRS5C
http://www.fundsupermart.com.my/main/admin...etMYCPPRS5C.pdf

This post has been edited by T231H: Apr 8 2015, 03:33 PM

if go thur PRS...0 SC
but got withdrawal restriction