to me, basically PRS is just like normal UT funds, except that you cant withdraw as freely as you want. but the good thing is you get low sales charges for the investment, which in most cases you wont get in UT investment.

so, if you are investing for the long term for retirement purpose, so yes, i guess this is another good channel to build your retirement fund, instead of the normal UT funds.

for me, i will basically reduce some of my RSP in FSM to invest in PRS. currently, the process to invest in PRS is still manual, i.e. bank in $, scan docs and email to FSM. based on what FSM is saying, they will have proper PRS online system by Q1 2013.

haiz no more fund investment corner >< may i know wat is the different of buying from public mutual agent and also those maakl agent and website like fundsupermart? Is it sales charge means the money they charge u when u invest money? how about when u wan to sell? any charges at fundsupermart?

Just a suggestion:

Hwang Select Bond - 50%
Hwang Asia Quantum - 20%-25%, depending on your risk appetite
Hwang Select Dividend - 20%-25%, depending on your risk appetite

U could build and maintain a balanced asian portfolio on your own, at cheaper cost (cheaper management fee)

Ooh u got KidSave too...

Then just combo SBF with AQF