First, there din't allowed you to swap it.
Furthermore if you swap it then you really stupid.

3% sales charge is one off payment when you top up, but you get the total investment amount -0.1% management fees every year(Class A = 1.4% while Class C = 1.5%).

Don't underestimate this 0.1% as it link to total invesment value for every year, after 30 years you will end up receive similar return. I just do some excel spreadsheet and simulate few situation(Eg, only invest till 2021, Top up for 30years etc) but end up after 30 years the return will almost the same.

I just saw this post today & FYI I already invested CIMB-Principal PRS Plus Asia Pacific Ex Japan Equity - Class A since 5 years ago but first two year only 75% to Asia Pacific Ex Japan Equity, the total invested value is RM15,500(5years x RM3000 + RM500 youth incentive) and now it worth around RM22k.

As I said I just notice this post today, previously open PRS account thru CIMB bank & now top up thru cimb click.

Anyhow after go thru the post, I believe the best deal now is buy thru Fundsupermart with 0% sales charge.

Yes, not necessary to change.
But can consider future top up thru FSM with 0% sale charges.

Ok,I just top up another RM3000 into my CIMB PRS thru cimb click due to recent price drop on global issue & found out the sale charge is actually 1.5% for this time.

The CIMB Asia pacific Class A supposed to come with sale charge 3%. However since I bought it on 5 years ago, it always come with special promotion sale charge vary from 0%-3%. Anybody manage to find out the promotion sale charge TnC ?

Invested principal PRS Plus Asia Pac Ex Jpn since year 2013, total investment 3k x 8years, now the total balance 36k.

Earlier time invest thru cimb Bank directly with promotion sale charge, few years back start to invest thru FSM with 0% sales charge.

If you look thru the morningstar report, only this PRS fund manage to achieve double digit return with 7 years return.

People always tell you past record can't take as reference for future return, but 9 years should good enough to show you the capability of the fund manager...

Conclusion: if looking at Annual return %, only 1 fund manage to beat EPF average interest @6% per year.
Pity to those take out EPF money & then invest unit trust by themself.

Anyway after consider the tax rebate, PRS return actually not so bad...

P/S, During bear market, it is normal for EPF return shine against unit trust return.