I don't invest in Public PRS so I don't know if it's performing or not. But I just want to highlight one thing that a lot of people mistake is they just look at the NAV price they buy and the current NAV price. This is not correct. We need to look at the total value of the fund (ie. total units multiple NAV). This is because some funds distribute units as dividend. And after the distribution we will have more units, but the NAV will drop. But overall, if you take total units multiple by NAV, you'll reach the same value before and after distribution.

So, even though the current NAV is the same as the NAV you buy, but if you have more units then the total value of your fund has gained. Your investment has gained.

I forgot to add that even though the value of your investment might not have increased however, don't forget about your tax relief. If your tax bracket is 19%, then for every new dollar you put into the PRS, you already get 19% return. Thinking this way, your PRS already gave you back some return.

I have access to all the PRS performance. Your statement above which I bolded lead me to believe that you may have invested in a slow lumbering giant known as Public Mutual PRS where you need to pay a high entry fee for sub-par return.

Hence your opinion is skewed; some of us are very happy with PRS generally b'coz we contributed into a zero sales charge provider and getting top mark return.

In a nutshell, the performance of PRS fund are in this descending order:

Hwang>CIMB>RHB>Manulife>>>>>>>>>Public Mutual.

AMBank cannot be counted because they just launched their PRS in Apr-13.

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One word Mr Kochin: "LOSERS" with a Capital L. Pub-Mut fund manager suxs BIG TIME.

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I attach fund NAV from PPA websites.
Since the fund juz start ages less than 2 year, you can used current NAV to recalculated the performance since launch.
I didnt hv their annualy performance result.

LOL!. You forget to factor in the 3% sales charge leh! If you count that in, your ROI is negative Lulz! Congratulations, Public Mutual PRS has just succeeded in making you less wealthy.

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