Hello guys, I only just started in PM coz an agent has been persistently convincing my mum to get an account.

When I want to make adjustments (e.g buy more units, switch funds), I want to find out whether must I do it through the agent or do it myself online? What are the benefits of doing it myself online? Will there still be a service fee?

I browsed through some previous posts saying that "NONE" can be selected for agent's name but I didn't read any post saying someone actually did it.

What does PRS stand for?