seem like 'better' provider have highest sales charge of 3%
is it still okay to go with provider with 3% in the long run?

Some reference to share
https://www.fundsupermart.com.my/fsmone/res...commended-funds
https://www.eunittrust.com.my/Home/Banner1
https://www.ppa.my/wp-content/uploads/2020/...ormance-All.pdf

Tried to register account from PRS https://prsenrolment.ppa.my/
Seem force to choose the PRS Provider & Fund. Cannot skip ?

Situation is first timer
Tried fsmone earlier but seem need they will send snail mail ?

So thought faster if PRS can do everything online.

---------------------------------------
Just saw this. can do online for certain provider.

Formless PRS application is applicable via FSMOne Mobile Website on certain Fund House, please click this link HERE for more information.

This post has been edited by onthefly: Nov 22 2020, 10:45 PM

for long term which would be better between
Affin Hwang PRS Growth with moderate Fund ?

moderate has lower management fees by 0.3 compare to growth
Would that make moderate be "better" if i want to go long term?
appreciate any thoughts or feedback

the return for both Conservative and growth seem close. so if factor in additional 0.3
conservation might potentially be better
Will need to check what is inside both funds

maybe he testing. like for Stashway i put rm100 for see see first. but no fees involved la

can use joint account to purchase fund on fsm right ?

Side track abit
1. EPF Contribution
Maximum Tax Relief: RM4,000

how much get in return by contributing 4k to EPF ( not via salary ) ?

yep

like for PRS if in 24% bracket, you "earn" rm720
Is there any such table for 4k for EPF?
Thinking to invest some, also force to lock in some money


https://www.ppa.my/prs-tax-relief/

depend your situation like risk, age, etc
you can have look at

https://gllt.morningstar.com/e6qvxuu98r/fun...anguageId=en-GB

and fsmone.
Few recommendation also in this thread

Been few days, i have not receive email on the promotion tng rm40. Invested 3k in a single transaction.

https://www.fsmone.com.my/funds/research/ar...Insurance=false

how long will fsmone provide the rm40 for funding 3k in a single transaction ?



You might want to invest before 11th December to get rm40 tng promotion from fsmone

This post has been edited by onthefly: Dec 6 2020, 12:57 AM

side track,How to invest 4k into epf for the tax relief ?

Is it this ?
https://www.imoney.my/articles/beginners-guide-epf-i-invest

ok i think i found my answer


https://www.kwsp.gov.my/member/contribution...lf-contribution

it seem self contribution to EPF is less popular, my aim is for tax relief likr PRS. is there better option around?

This post has been edited by onthefly: Dec 10 2020, 01:13 AM

oh i see, so the 4000 tax relief is counted/inclusive from my Monthly Tax Deduction.


yes employed, and have Monthly Tax Deduction
i think exceed 4k tax relief.

No wonder seldom see discussion on this.
Thanks for the feedback.
Lucky didnt self contribute for nothing

This post has been edited by onthefly: Dec 10 2020, 10:26 PM

anybody got news for last year promote for rm40 tng

if get PRS via fsmone wont consider right

i understand that usually end of the year got promotion like fsmone rm40 tng card.

how about early/mid of the year ?

Anybody know next promo for PRS? I only aware year end got.

Wanting to put in 3k for PRS earlier this year instead of some promotion ( year end ) as they said time in market > timing the market.
Biggest point is for tax relief.

Still relatively new to fact sheet but Principal PRS Plus Asia Pac Ex Jpn Eq is still the clear winner if using pass records...but having invest the same provider for 2nd year will incur a mere RM8. No issue with that but earlier thought was wanting to have different fund from last year for diversity

So anybody has other PRS fund to look at or any other insights ?
Criteria is growth/equity/aggressive fund outside of Malaysia.

This post has been edited by onthefly: Apr 18 2021, 02:59 PM

FSM = 0% sales charge

PPA PRS = Differs. refer to this diagram https://www.ppa.my/prs-providers/fees-comparison/

StashAway you can create a portfolio and name it "retirement fund".