Depending on your income level, but I invested in PRS mainly for the RM3000 tax relief. The RM1k youth incentive is just a bonus.

Want to ask anybody having problem with Polarzbears's Excel File auto-update connection to FSM ?

So long have not checked my IRR,
found unable to update with FSm current prices.


@polarzbears , any new revision of the file that i missed?

since now SSPN already raise to 8k.. so now yearly die die also need 11k for tax relief.....

SSPN tax relief is only for parent right? Not qualified yet. Now KWSP tax relief reduced and life insurance I did not insure until RM3k annual premium.

Middle income class kena hit

FSM only supports TLS 1.2 now.

Adding the registry key fixed it for me:
[HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\Windows\CurrentVersion\Internet Settings\WinHttp]
"DefaultSecureProtocols"=dword:00000800

Add it at your own risk.

Just submitted PRS nomination and EPF top-up!

what is the procedure for new PRS investor?

I need to mail my original forms to FSM first or proceed to buy PRS and make a payment first?

Everything must do. No specific order.
FSM will only process your order once payment received.

Since it takes time, FSM will only book the PRS price for you once you make the payment.

mean if i make payment today then it will follow today's fund price?

even they received my original forms after 1 or 2 week later?

If I remembered correctly yes.
They'll book today's NAV (by 3pm) with the respective fund house for you.

P/S: Some PRS fund cut-off time is by 12pm.

This post has been edited by David83: Nov 9 2018, 02:37 PM

ok thanks

Thought Trump lost the grip on lower House will generate good mood for the market.
Now, hawkish Fed is making the market back to red sea.

the sspn 8K is next year right?
This year still 6k.

Yes you are right.

the market really lost it direction lol

I think PRS would be long term investment? instead of 3 months performance maybe 3 year performance instead?

PRS is definitely meant for long term investment, by right it should be geared towards your retirement. Just top up and don't look at it.

now you are slowly narrowing your 'best bet" definition....

so now, lets rephrase your initial query with a narrower definition.....
For PRS...is the best bet still with CIMB ex Japan - Class C in the next 3 yrs?

other than 3 yrs time frame...what else do your best bet are to be defined?
lowest volatility or highest chances of Navs appreciation?

choose fund wisely also...

my sis got 1 fund with PM. 10 years ad. +3 % only lol.

.3 p.a.

Haha..Let me rephrase...For PRS...is CIMB ex Japan - Class C performing better than rest in recent 3 yrs?

Probably long term Nav appreciate is much more important than volatility...since it's "long-term" ?