Ah, what is this forum without such great help from fellow forumers. Thanks @AIYH!

Noted on the PPA account opening. But is it based on each PPA provider, or not?
I mean, I open an account with Kenanga PPA. Should I open another account with CIMB, do I get charged too?

As for the calendar year, you meant 1/1 - 31/12, or the annual date of subscription (e.g. 1/9 - 31/8) ?

Quote : "The Private Pension Administrator (PPA) is the central administrator for the Private Retirement Schemes (PRS)."

PPA is like the governing body for all the PRS providers. The PPA account is an account that contains the PRS funds you invest in, kinda like master account that consolidate your PRS funds in one place.

So the PPA account will be opened when you invest on your first PRS fund. Afterwards, you don't need aother PPA opening form moving forward.

However, you do need to submit a new PRS form for each provider you are new to.

Say for first time you submit PPA form and Kenanga PRS form.

Next time say you wanna invest in CIMB PRS, you dont need another PPA form as you had the PPA account, but you need to submit the CIMB PRS form as this your first time invest in CIMB PRS.

I asked about this before to PPA and they say calendar year, which I assumed is 1/1 to 31/12, if is from the time you start invest, that would be anniversary year, not too sure about it, anyone can kindly verify it?

p/s: In case someone bombard me on this, you may ask on the PRS forum here: Private Retirement Fund @ Lowyat Forum

I don't see much difference among all these funds despite them claiming to be in different market.

I only see some differences for 1 year result. The further away the more similar they are.

Both had also been "filtered" by FSM as both are also in the recommended fund list....
the noticed able different is the composition in each funds.
one is ASIAN focused and the other more diversified....

This post has been edited by MUM: Oct 9 2016, 01:42 PM


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My portfolio currently overweight on greater asian region, so I will go for RHB EMBF to explore into south american and african region's emerging market

Same here....
heart shake shake...

Now NAV high kah?
Better Tunggu NAV down abit, more Untung?

Cannot la

RSP date is coming soon, not enough ammo to even meet minimum initial investment

Gotta sell of AIF next week then repump into EMBF via RSP

Rather than wait for the timing, might as well just invest it when decision made with RSP for this month coming soon

Different people have different levels of risks tolerance. Some people are willing to take more risk for potentially higher returns. That does not mean they have to take the highest level of risk to get the highest level of returns. Some people invest 100% into EQ funds, some 90% EQ : 10% FI, some 50% each, some 100% FI. To each his own. To imply that only people who are willing to take a lot of risk should consider investment is wrong. Otherwise, why bother with volatility, Sharpe ratio and correlation.

yes, that is very true in the context of the investment sphere.
but, if you refer to his post, he mentioned about Xuzen's post.....
xuzen's post is here at page# 60, post# 1185,
https://forum.lowyat.net/topic/4047177/+1180

he is responding to those that is comparing apple, oranges and pineapple pens just to try to select the winner for the minute gains of liquidity and lag time...

Welcome back!

How's it going with your UT and stocks?

Me too... Few days didnt come here so many pages already...

may missed some thing "NEW"..

I think u better tunggu nav drop... Maybe put a target nav buying price to get in. If nav hit ur expected price, then go buy..

you no read post# 1216 kah?

I think i missed many steamed up discussions... But too many pages to read up...

Using smartphone la now, hard to navigate.. I think i didnt read thst post

goto page# 61,...
2nd post by Cherroy...
timed 7.43AM
now you can navigate liao

This post has been edited by T231H: Oct 9 2016, 04:11 PM

UT doing alright. But on the downside, want to top up and increase my portfolio size also cannot.

So now monitor stocks more closely. See got buy opportunity or not.

Yeah. And I don't remember seeing all these new names

many had been silent readers...now very vocal...
good....I liked that.....
more new perspective and insights....

good there's new people here.
more info & opinions
if not so boring see the same person name only