1) Is it better to invest via PPA website or FSM? Any difference?
i'm using FSM, 0% sale charges, for certain fund house, you don't need to mail the paper form to open account. Can manage/invest multiple fund house at the same time

PPA website , never tried.. not sure.

2) What are the recommended funds for high growth long term?
i'm taking Principal PRS Plus Asia Pacific Ex Japan Equity which invest in asia pacific region... For others, most of the PRS fund are malaysia equity based, it depends on personal preferences on region and fund house...

3) Can non-bumis invest in Islamic funds?
can of cos.

all PRS fund 0% sale charge if you invest via FSM.

so no need to worry.

Principal PRS Plus Asia Pacific Ex Japan Equity has been there for many years... have good track record compare to Public Mutual PRS Islamic Strategic Equity Fund. Also the Public mutual only limited to islamic shariah equity, whereby there choice of equity are limited, so in long term conventional fund are more flexible for fund manager to choose the best equity....

Most importantly, Principle PRS is 0% sale charge in FSM... Public Mutual 3% sale charge, which mean you lost 3% of your saving on day 1 and every time you topup you incur 3% charge of the topup also... so the comparison are obvious.

this pic seems like not FSM interface wor... you sure you buy the fund from FSM website? you sure you send the form to FSM and not Manulife directly right?

show us the transaction history in FSM portal see see... the money should be paid via FSM website, not to manulife directly.

I have been using FSM for PRS for many years and always get only 0% sale charge.

This post has been edited by memorylane: Dec 7 2020, 10:02 PM

-> tax relief, yes... because you have no choice, now is Dec already...
-> from investment perspective, DCA monthly is lower risk, specially now at all time high...

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This post has been edited by memorylane: Dec 7 2020, 10:06 PM

you can see FSM there stated 0% sale charge... always check your transaction from FSM portal... Manulife side, they might have internal agreement with FSM (my guess: like commission for FSM from Manulife) which results FSM able to give 0% charge to us.