ok, noted.
Still trying to be witty and smart... already said non-working students (which means without income) - tax relief... so smart la.

Oh, now posting and asking on behalf of other investors with long term, is it? You can answer your own question or go on trolling at your own time.

Chill la. I express my views. Those who listen and think the 0.2% is significant (like me) need to do planning.
Those who are happy to pay the 0.2%, just continue paying lo.
You only have unitl 2021. After that should the gov decide not to extend the benefits, no point pumping into PRS already. 

How to be eligible to get the RM 1000 incentive? Can use FSM purchase the PRS fund? PRS fund can buy even I'm still a student (not working)? Then how they know I purchased already?

Actually ive always seen ppl advise to buy prs for the tax relief . Is it worth it to get your money locked up for so long? Sure u might get an instant 2x % return, but if u can only withdraw it in 20++ years, that means u are only getting a ~1% return p.a.
Is it worth it with only limited fund choice?
Does this makes sense?

Omg thank you

So now I straight away buy RM1000any PRS fund then ask FSM to help can already? No need PPA account or PRS account whatsoever right? 

There's good fund like Cimb Asia Pacific PRS which feeds directly into Ponzi 2

Still got rm3 kolon mee n rm 2.5 chicken rice ? Where ? I wanna try

Which foodcourt? Gonna try

woonsc where is that? Kuching?

where still got? majority all naik 50 cents already

Thanks guys. Was thinking of testing the water by starting off with 1k and DCA-ing for a few months but doesn't seem worth it for such a small amount after taking into factor the sales charges, etc.

Haha I mean should keep investing in it or not. Cos u know it suppose lower risk lower return but my cimb and affin with higher risk giving positive return

Algozen™ version four speaketh; listen well...(The values are now in MYR correlation).

I tried putting in various UTF(s) into Algozen™ and letting her run the numbers. Maximum per simulation run is ten UTFs. Anything more, is limited by the correlation coefficient parameters. 

The criteria for selecting UTFs for simulations are:

1) Good risk to reward ratio among peers.
2) They must have poor correlation among each other (meaning must be well diversified)



Next step, after running twelve simulated portfolios, ranging from port that generate 8% to 20% p.a. , out of 12 ports,



To be continued...

The ports that I have run simulation gave the highest possible return to be 21% (100% TA-GTF) and the lowest possible return is 7% (100% Esther Bond). Hence the whole spectrum of return is from 7 to 21%. As expected the higher the return the higher the risk aka std - deviation. After running 12 times with various composition of portfolios, I find that the most risk optimal point is around the 10, 11, 12 and 13% point.

Let's take 13% as the expected return. In order to get 13% the composition of UTFs are as below.

KGF @ 15%
REITs @ 10%
TA-GTF @ 25%
Esther Bond @ 30%
RHB EMB @ 20%.

Std - deviation of this portfolio is 4.41% and the risk to reward ratio is 13/4.41 = 2.95.

Xuzen

Also take note that he does not have transaction fees so he changes the components of the port a lot. If you don't have a wrap account it might not be feasible to follow him, the commission would just be too much of a drag.