Coz. I having thoughs to buy a new PRS fund this year.. 

Mind to share why not to buy a few PRS funds?

why are you thought so ? do mean buy just for income tax purpose is wiser ?

I am confident in 15 - 20 years, you can see PRS returns will be better than FD, EPF... 

Just a note - employers do not contribute >19% EPF due to tax/cost concerns
for "EPF - Employer's Contribution"

so it
2.5% + employer contribution will definitely give returns of > 10% right?

can take employer contribution into the calculation?

mathematical statistics means whatever it is to the cooker.

facts are facts - Employer's EPF contribution does not exceed 19% of Employee's gross.
no right or not here

---
As for "PRS just for income tax", i'd say it depends on one's usage of PRS.
OR
are U just espousing "there is only 1 way to use a tool"?

eg.
for employees that can only save $3K pa (excluding EPF contribution)
and for sure wont touch long long,
won't it be better for them to use PRS instead of "normal mutual funds" which will incur some % of frontload?

Yalah.. why would you want to take employer contribution into the calculation?

Kena sebat di katil?!! 

Haha.. go there makan free ada? Parking free?

Next ball reading at the end of Jan16 based on data dated 31st-Dec-15.

Xuzen

I repeat my allocation:

I) Large develop mkt cap = 54% (Titan)

II) Asia Pac ex-Jp = 36% (Ponzi 2.0)

III) Bolehland small-cap = 10% (ESISC)

No change at until next reading.

mind my ignorant and naiveness...
I had this thought too about ASx FP products too.....buy at RM 1, sell at RM 1 too.
isn't it capital guarantee?
 

Thanks to our government who wants to leverage on the people's money to prop up the share market but at the same time these people will not invest in anything that may lose money

Capital guaranteed is such a powerful term in behavioral finance; as soon as people hear that word, all logic goes out of the window 

AFAIK, ASX also never mention that they will guarantee ur capital

I hope this is the last time I address this remark, but I doubt it

The buying and selling at RM1/unit is to make people who are adverse of losing money to go into this eventhough it's a pure equity fund.
If any of this people bother to read the master prospectus
http://www.asnb.com.my/v3_/pdf/produk/mast..._prospectus.pdf

and the various fund factsheets
http://www.asnb.com.my/v3_/pdf/produk/ASB/...0331PHS-ASB.pdf

It is clearly stated that • ASB is a fixed price fund and it is not a capital guaranteed fund under the Guidelines

So please, do not ever equate ASX funds as capital guaranteed investments such as FDs anymore. It's not even guaranteed by the government of Malaysia such as bank rakyat FDs or SSPN savings. If it follows the normal SC guidelines, it would have a risk rating of 8 like Kenanga Growth Fund

As to it being always fully subscribed, that's where the national interest is, they have to have products like this to make sure Msia share market doesn't swing crazily up and down during times like this.

Key question is - Do you want to be part of that, the black box method where you don't know how much your RM1 per unit is worth, it could be RM0.80 now or RM1.20 now. By putting 100% of your money in that, is the same as putting 100% of your money in Kenanga Growth Fund; which is not advisable

I made my choice, I want to know how much my investment is worth, even if it means sometimes it's less than my capital. I also want to put some of my money in non-Malaysia assets to diverify better. My 7.7% IRR is much lower risk than putting the money in ASX; it's 70EQ:30FI

I know, you think your investment is risk free like FD.... we can continue to agree to disagree because even PNB say it is not risk free like FD

Ans to Q4:

Noted. Equity fund such as KGF are used to increase one's wealth, if someone who already have wealth and need to persevere it for next generation for example, then there are other tools out there. KGF / ASX may no longer be the right tool.

Xuzen

Isn't CMF better?

My - very determined - colleague managed to accumulated RM100,000K for her daughter ... in 1.5 months ... after 27 visits.

Valuecap+EPF+PNB+TH ---> cannot down for Bolehland! 

For me....ASM/AS 1M, OD account.....

I tarak FD or CMF. Living dangerously is my motto. 

if that happens then have to ask RAMJADE for help about the ASx products and its quequing process. or dump into KWSP.....
but I think,.....70% chances my UT will perform....it is whether my Emotion fear and anxiety can take it or not...NOW I think and said I can...but in reality not sure yet can tahan until what level.