As I mentioned before PRS is like Long term UT. It's like you can buy the UT but you canot sell even if they not performing. This is why I prefer if everyone can keep changing and get the competition rolling.

Imagine now you buy RM1/unit and after 30yrs something happen and the price fall back to RM1.50. Rugi lah. Coz PRS can't guarantee you even if you buy conservative.

Sorry. English no good. 

Yes. That's true also. But can we place it from provider to provider?? We lost something also from that transfer. I think I just treat it as non-risk and let it there first. For the mean time I'm ok with risk so I getting those good performance Provider.

Any good one to intro?

The difference between a product pusher i.e., bank front line wealth advisor who will push the best product to the customer versus a Lic Financial Planner who will first analyse the client first.

For example: The LFC will most probably not recommend the CIMB PRS Asia-Pac Ex Japan Fund to a client who already has high exposure to Ponzi 2.0. He / she would provide alternative.

Xuzen

Continue with AffinHW/ PBM - u need to pay additional RM8 per provider (RM16 if u do both)

Find a new provider - no need to pay additional RM8 (no RM10 acc opening fee as well)

ur choice ~~~

I personally use FSM la~~ quite a lot of provider to choose from....

Sorry newbie here what does "FSM" mean?

u implying that it is better to use FSM then. right?

I would not imply much, because there are many unknowns
unknown to how much you know about UTs,
unknown to how much investment knowledge/experience you have,
unknown to much you know about risks involved and the investment objective and expectation......and so on, and so on....

normally agent will only advise and promote 'their" own products.....
and some agent charges more SC than FSM 0%SC
whereelse FSM is more unbiased.....they don't own any of the products...they are just resellers....
but if going into FSM alone may be bad (full of uncertainty) or troublesome for a newbie......
if that happens...and also at times for certain situation...to have an agent is useful
anyway FSM has CIS to guide if asked....