PRS Public Mutual did very badly over the last 6 months. I noted the positive returns in the prior period and the negative cumulative return for the periods.

Better to put in ASM or Wawasan 2020. More or less guaranteed positive yearly return and the brought forward balances will never be affected.

Put alredi 3 years, 3 x 3000=9,000.

Balance now less than 9,000

Correct. that is something we have to pay as they need to pay salaries as well.

PRS funds are too conservative to take higher risks.

Other funds under PM such as Dividend and Equity Funds still perform.

A misstep for the PRS. Others ok.

Earlier the agent asked me to go OZ and China funds. If follow, today teruk lah!

Dividend and Equity funds still doing ok, I think.

But their Oz and China funds are in the dumps.

I placed in prs with public mutual. Every year top up 3k for tax relief. The damn thing is 3% charge (RM90)just for depositing my chèque. If I deposit 30k, they would have taken RM900. No wonder after 3 years still negative. Only consolation is 750 tax savings per year.