Which one is better choice?
while it is important to start your investments early and accumulate your retirement savings, it is also equally important to choose a consistent performing investment vehicle that has the potential to push you closer towards your retirement objectives. Equally emphasis should also be placed to determine his/her risk appetite. There are conservative, moderate and growth PRS funds for one to honestly select the type of funds to suits one's risk appetite.

Given that many of these funds are investing into collective investment scheme(s), investors should also heed attention to the performance of these collective investment scheme(s) and its underlying exposure, as they are the main contributors towards the performance of the fund. Investors will be able to access this information from the PRS funds’ latest fund fact sheet or its recent annual report for the any changes relevant to the investment strategy....then study them to determine if that particular fund suits his/her investment risk appetite......

in short, don't just focus on its returns ...ask too, does one risk appetite suited for the selection of CIMB-Principal PRS Plus Asia Pacific ex Japan Equity as his/her choice

if one is confidently know that Growth PRS fund is his/her choice...then I think CIMB-Principal PRS Plus Asia Pacific ex Japan Equity is the one to go for now....for its past performance speaks for itself.

Ask yourself what you want? Do you want to invest inside Malaysia or outside? How much is your expected returns?

For me personally,  it must fulfilled few criteria
1) it must be able to beat EPF/Amanah saham
2) it must be a consistent winner and not a one time champion.
3) it must invest oversess

Why are these criteria important to me?
1) Both Amanah saham and EPF are considered risk free investments (in terms of RM) and they both generate around 6%p.a
- Now tell me why would I put my money into something which can cause me to lose money and give 6% or lesser when both EPF and Amanah can also give me 6% without the risk?
2) Second reason is obvious
3) I am firm believer that RM will depreciate against all currency in the long run. So why should I invest in Malaysian concentrated funds?

I have two 0% sales coupon that I not using if anyone wants it. Valid for today only. Pm me if u want it. First come first serve..

Hehe top up Ponzi 2 and GC today.
Regret didn't do on Friday but what to do bonus just in

Yes sorry for my short form will change them next time to a clearer one

I think last month (i1899) suggested ASN FP funds to be a better deal than bond fund

yes,...FSM does not sell those....
not sure,...if you have an a/c you can do it online....
post this question in the dedicated ASN thread for appropriate"ness" and many SIFUS are in there....

what? this is one of the best performance fund post-dip 

i guess he did not notice how much % that fund had recovered from the dip on 9 Feb...

how much % of this greater China regions are in your port?
can consider reducing the allocation to this region if you feel it is too hot for comfort...

periodic markets dips are good for one to review one's emotional standings on one's portfolio allocation

United Global Quality Equity doesn't disappoint me so far..

But, just as reminder,

Before step into United Funds, please take note below points:
1) 1% (intra fund house) switching fee for almost all united funds.
2) Minimum redeem units : 1000 units.

now market very sensitive.

If market doing good, UT generally +~ 1% at most, if following day good, +~0.5 perhaps. 

If market doing bad, UT can easily frop 1.5%, and next day bad drop 1%.

Those who buy India will know this. I myself own up to 8%, just 2 months, -2 LOL. +8 you need 5 months approx.

UT is for long term, yes, but if so ngam market turbulence, waseh. GG.

So I learn lessen here, next time when I see the "top fund" on the right of FSM hit double digit, I will move all to CMF. No matter what.

If want rebal or major in, this is the correct time where all the top fund is at 1 -2 %.

I had invested Eastspring Global Leaders MY.
I received a letter mention about winding up because of Manager step down.

Is that mean the Fund will close?

Don't use "emergency fund" for risk investment like UT.
"Emergency fund" is expenses reserved for next 6 months, includes education fee, normal living expenses, renovation of house etc etc, in upcoming months .

Invest in stock/UT using money that u won't need for at least 2-3 years.
If that money can stay inside market for at least 1 full cycle (10 years) is the best lah.

Good luck and happy investing.

Invest in stock/UT using money that u won't need for at least 2-3 years.
If that money can stay inside market for at least 1 full cycle (10 years) is the best lah.

The important point here is not how long is the full stock market cycle, but the main point here is that stay LONGER in market for AT LEAST the WHOLE cycle.
Anyway, historically, stock market's crash* MOSTLY happens every 10 years***.

* In economic terminology (i studied Engineering, info below are from my side readings),
- crash :>20% drops in relatively short period (around 1 week).
- bearish/recession : >20% drops from the peak, and stays for > 2months
- correction: 10% to 20% drops from the recent peak.

*** Recent market crash events:
- 2008 Global Financial Crisis
- 1997 Asian Financial Crisis
- 1987 October 19: Black Monday
Don't misunderstand...

In long term, market performs as big up-trending sinusoidal wave.

The reason to stay LONGER in market for AT LEAST the WHOLE cycle is:
- if u bought near peak, u can sell near the NEXT peak which u will have chance to meet if stay in the whole cycle. Imagine the up-trending sinusoidal wave....

PRS :
Those who have not opened a PRS account and under 30 can consider opening via PPA instead of FSM, where the RM10+GST account opening charge will be waived, and no sales charge for those under 30

https://prsenrolment.ppa.my
Terms & Conditions of PRS Online Enrolment:
The PRS Online Portal is for execution only and does not provide advice. Please read and understand the Disclosure Document and Product Highlight Sheets (PHS) before selecting the PRS funds to invest. If you wish to seek further advice, please contact your respective PRS Consultant. Please also consider the applicable fees and charges before investing.
For all online applications through PRS Online Enrolment, the PPA account opening fee of RM10.00 shall be waived till further notice. For applicants age 30 and below who perform self-enrolment, PRS Providers’ sales charge will be at 0%
Upon the successful completion of your online transaction, your contributions will be forwarded to your Provider(s) for their onward processing at the next cycle. You will receive a separate acknowledgement from your Provider(s) once they have created the units in the relevant fund(s) for your benefit. Please note that successful completion of the online transaction does not guarantee the successful opening of the account. The respective Provider(s) may take up to 7 business days to confirm or reject the opening of the account and the contributors are obliged to provide all the necessary information (if requested by the respective Provider[s]) for the verification purposes. You may contact us if you wish to know the status of your transactions. Our contact details can be found here: Contact Us
In the event you have insufficient funds for the transaction, the transaction will be rejected.
Please note that payments for the units purchased must only be done from the applicant’s own bank account. No third party or joint account payment will be allowed.
Please note that the PRS Online Enrolment under the purview of the PPA is only for Malaysian Citizens. For non-citizens, please contact the respective PRS Providers for further advice.
Please note that the opening of PRS account is for the purpose of saving and investing for retirement.

after the contribution stage....there are 2 more stages to reach the payment page??

hope this find of mine from google can help....

PRS Top-Up Guide
Simple Steps To Top-Up

https://www.prsmember.my/prs-topup-guide-2/

click at the "make payment' button?

it seems that the portal can ONLY do top up on existing PRS funds...

For all online applications through PRS Online Enrolment, the PPA account opening fee of RM10.00 shall be waived till further notice. For applicants age 30 and below who perform self-enrolment, PRS Providers’ sales charge will be at 0%