Let me trigger some discussion here

while your points are correct, there's one more item you have not considered

The effective expense ratio is higher for PRS funds that takes a feeder fund model because unfortunately the way PPA structure the fund, the mother funds have their management fee and expenses; while PRS funds  management fee portion is not double counted; the expenses are incurred in both mother fund and PRS fund. So although you saved on sales charge; which is one off; every year you pay slightly more on the expenses. And in someone's books, that's totally unacceptable; for me, the tax savings still justifies it

for details on this I'd suggest you look into old discussion on the PRS thread involving myself n xuzen.

Maybe I did not make my sentence clearer...
What i meant was the initial tax relief you got when amortised (new word to me) over a long period of time, the advantage is probably not going to worth it for all the hassle of PRS..
E.g. you get 20% tax rebate from the PRS, and you still have 20 years before you can withdraw this money. This works out to roughly 1% p.a. which means  whatever your PRS return was that year, you add 1% return to it.
So this versus you put this money into FSM or whatever and actively manage it whereby you are free to choose between hundreds of UT products and you are free to withdraw all during a freefall..

Hope you get the gist of what I am trying to say, I aint well-versed in economic terms.. I am not disputing the power of compound interest or UT in general

My point is there are pros and cons and probably more cons than what ppl thought.
E.g. If we have a retiree-gonna-be, then this PRS income tax relief is a no brainer, since he is going to get his money back within a few years

as for asia pac ex japan, which funds would you consider ? still Cimb Asia Pacific Dynamic ? any suggestion ?

I had made a topup on Titan few days ago.

was told to add Asia Pac Ex Japan - which one u all top up ? Ponzi 2 ? or Manulife Investment Pacific Fund

why not many mention abt this Manulife Investment Pacific Fund?

The hike was or had already  been expected since more than 20 mtns ago.....

Do you mean the fed rate hike had not been expected after the stopping of QE?

well that's why they forget one thing. the federal government can start printing money which allows the bank to pay its debtors but it also causes a chain reaction that devalues the currency.

increase in rates.
decrease in currency exchange rates
people panic and start saving their cash.
no cash flow, the economy stalls.
in order to keep it moving a Goverment will have to print more money and borrow from the world Bank.

refresh and repeat the process.

the question investors should be asking. can you stomach the lost and continue on weathering the storm or are you going to cut your loses and keep your cash under your pillow?

Theoretically speaking. What would you have done then? Buy into us? If so where and how?

Just checked Manulife Asia Pacific Reits drops .91%. Ramjade

So what now if I hold AmAsia Reit? Ride along or sell?

1.7% to -0.19% Manulife Asia pacific reit in just a month

Earn less instead of rugi?

I plan to top up. once wheel turns, Reits will stand out once again followed by bond when investors retreat from EQ

USA market will make another peak soon

So confident ?

US created 235,000 jobs in Feb, vs 190,000 expected

should we diversify to Zurich Global Edge Fund feed by Schroder ISF QEP Global Quality ?

10 year only 39% increased.

Do you guys tend to buy the weekly top funds? lol

TA Global good buy now?

Still can buy ah? Or late liao?

Still can buy. Average down.

Define outperform.

If you want a slightly riskier but much higher return, united asian high yield bond fund

You may also consider reits as an alternative to bonds, such as selina fund and manulife reit

Lower or same risk and votality as Affin Hwang Select Bond Fund but with higher return. Any?   

it's simple really. if Affin hwang select bond isn't giving the best returns for its volality why would we even mention it? hence the best fund atm for that geographical coverage for a bond fund.

looking for a better one? then go for balance fund which is another tier on top of it aka RHB AIF

Affin hwang select was just introduced just a few months ago kan. from Anita to esther. I'm gonna be in her for the longest time. lol

This kind of credit I don't dare to claim lor.... did a quick search and the fund was already mentioned in the first ever FSM thread 4 years ago 

p/s: I didn't pay 3% la; the maximum charge on the sales channel I bought from is 2% but I didn't pay that much either  All in all it was a great buy, cos with the lobbying here, now it only cost 0.2% platform fees for future purchases

pp/s: Miss having william around. Who keep in touch with him?