Sad to say that the only attractive of PRS is tax relief.

The fact is the fund house of your units continues their profit from the fees. Either good time or bad time, their profit does not affect.

This post has been edited by kpfun: Feb 3 2016, 02:27 PM

From the given http://gllt.morningstar.com/e6qvxuu98r/fun...B&tab=ShortTerm
I summarized the performance as below:


Out of 79 registered PRS funds. In term of annuity:

3 funds return about 7%
3 funds return about 5%
7 funds return about 4%
4 funds return about 3%
9 funds return about 2%
14 funds return about 1%
2 funds return about 0.5%

and the remaining 37 funds return negative.

If EPF 2015 declares around 5%, means less than 6 funds (7.6% of 79 funds) can beat the EPF.

This post has been edited by kpfun: Feb 3 2016, 02:59 PM