prs is not unsimilar to epf
both are PENSION FUNDS,the only palpable difference is their investment style

prs can always establish a fund replicating the EPF investment strategy ie with similar asset allocation thus providing the much desired return vaunted by the skeptics of prs

however,i think prs was designed to allow workers to make their own investment choices premise on their risk tolerance and time horizon instead of the state investment vehicle deciding for them.therefore the returns from EPF cannot be use as a yardstick in determining the returns from prs

in addition,there are slew of funds in prs catering to the ultra conservative to the most aggressive investor which can deliver proportionate return base on their volatility or risk

This post has been edited by lizardjeremy: Oct 15 2015, 09:18 PM