No. Not compulsory....

try read this...
PRS PPA
https://www.google.com/search?q=prs+ppa&rlz...chrome&ie=UTF-8

how prs works
https://www.google.com.my/search?q=g&rls=co...q=how+prs+works

https://www.fundsupermart.com.my/main/faq/1...cheme-PRS--8865

This post has been edited by T231H: Jul 24 2017, 01:24 PM

deleted.....oops...wrong understanding

This post has been edited by T231H: Aug 18 2017, 09:50 AM

noticed these Fixed income funds got no platform fees stated....
btw,..these 0.05% per quarter will be 0.2% per year...thus 2% per 10 years.....kind of "cheaper" than buying funds with 1.75% initial sales charges


Attached thumbnail(s)

the quantum of ROI one gets with the RR it gives in a fixed income fund outweights the 0.2% pa or platform fees
RM10000 is RM20. if your funds grow to RM20000 will be RM40

anyway, one can select those that has no platform fees

don't focus on the minute things in life that is insignificants to the overall good of life

This post has been edited by T231H: Aug 18 2017, 10:17 AM

that is how a person will gets what he seeked in life...
a perudoa car is still a car compare to a toyota car
why pay for so much more for a transport?
you want a better interface you pay more lor
you want a faster CS responses you pay more lor

well,. one choose what he/she wants in life

me too....but i ask my friends what he seek to have first.....

check this out?
https://www.eunittrust.com.my/
click Getting Started/PRS/PRS FAQ

if you can't wait to get or failed to get responses here, you may try this.....



Attached thumbnail(s)

i would just think of it as "something like" FSM

i would just think of it as "something like" FSM

A1: no idea can't speak for others....
A2: Platform fees in FSM applies to some bond funds...see attached image or here for more details about FSM platform fees....
https://www.fundsupermart.com.my/main/faq/1...atform-Fee-8467
A3: maybe go to their office to do it directly?
A4: I guess more or less the same....



Attached thumbnail(s)

heard many times before in other threads...frnid (Floating Rate Negotiable Instrument of Deposit) is NEVER a good option...

goggled and found this
https://www.malaysia-today.net/why-would-an...ke-toxic-waste/

more on goggle...

we can only gets past holdings....
the current holding may not be exactly as published....for the status can be changed by the likings of the FM
for more details of the past published holdings...can try get the info from the closing interim or annual reports.

unknown to the precise definition of highest performing fund right now......

according to this.....
https://www.fundsupermart.com.my/main/fundi...formed=topFunds

kenanga growth fund was in the 3rd position for the top highest annualised returns of 14.15....in the 10 years duration category....
(btw, this position will be frequently changed due to the constant value and dates updates)

for YTD returns...KGF had a good run of 21.46% (ranked 43 from funds available under the FSM) where else the highest is 46%
use this tool to check for more details...
https://www.fundsupermart.com.my/main/fundi...erateTable.svdo

yes I do invest in UTs and in FSM platform....
currently I don't have a watch list, as all of what I had wanted for my portfolio had already being bought and held over the years

Disclaimer:
This post does not constitute an investment recommendation.
No person should rely on the content and/or act on the basis of any matter contained in this post without obtaining specific professional advice.
Investment involves risk. The NAV price of a fund may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment.
Past performance is not necessarily indicative of the future or likely performance of the fund.
Investors should read the relevant fund's prospectus for details before making any investment decision.
An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.

if a fund had climbed to a certain level, I would review the valuation of that fund's coverage mandate.
example from here.....

Star Ratings For The Various Markets
https://www.fundsupermart.com.my/main/resea...tarRatings.svdo
if still ok...I will leave it there
but "What To Do If Certain Markets Are Getting Expensive?".....this guy did it this way...
https://secure.fundsupermart.com/main/resea...SJBlog_20150402

finally, at the end of the day......
WHEN TO TAKE PROFITS?
https://secure.fundsupermart.com/main/artic...e-Profits--1783

I would not simply set a goal to sell a fund when it had made (10% or 20% profit)...for
a) I would have missed more opportunity that may have come from that fund,
b) if I sold that fund, which similar area of coverage fund would I buy? would not the valuation of that similar fund that I am going to buy in be the same as the fund that I had just sold?
Don't Let The High Fund Price Deter You
https://www.fundsupermart.com.my/main/resea...?articleNo=2288

Disclaimer:
This post does not constitute an investment recommendation. No person should rely on the content and/or act on the basis of any matter contained in this post without obtaining specific professional advice.
Investment involves risk. The NAV price of a fund may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment. Past performance is not necessarily indicative of the future or likely performance of the fund. Investors should read the relevant fund's prospectus for details before making any investment decision. An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.


This post has been edited by T231H: Dec 2 2017, 11:01 AM

thks for reminding....added in a disclaimer....

Do You Use Your Rear-View Mirror To Invest?

A popular topic which arises frequently when we talk to investors is the notion of a “best fund” or “best market”.
Also, upon further probing, the meaning of “best” is usually simplified to some measure of historical performance over a particular period.
Anecdotal evidence suggests a healthy correlation exists between funds which appear on the “top performing funds” list and funds which are selling well, an indication that investors tend to place a lot of emphasis on a product’s track record.
Is such an investment approach akin to driving a car by looking in the rear-view mirror?

TRACK RECORD IMPORTANT, BUT CONTEXT IS EVERYTHING
DANGER OF "BUYING HIGH"
https://www.fundsupermart.com.my/main/resea...gust-2015--6172

1 year ago, there was this write up...
https://www.fundsupermart.com.my/main/resea...June-2017--8423

hope it can provide you with some added info while you wait for more value added response.