Affin Hwang PRS Moderate?

But you mentioned that your tolerable risk is moderate to conservative?

I'm pretty sure that you're being attracted over the high return from both funds.

If they're consistent, then it's worth to take rest.
Probably, you may want to dig into their calendar year return too.

Finally the PRS promo is here. Good timing to top up CN funds

CN = China funds i assume?
PRS funds usually diversified, but relatively IMO Principal PRS Plus Asia Pacific Ex Japan Equity - Class C is somehow heavy in tech stock

I am invested in Principal PRS Plus Asia Pacific Ex Japan Equity - Class C fund few years back. Topped up for PRS promo

I am invested in Principal PRS Plus Asia Pacific Ex Japan Equity - Class C fund few years back. Topped up for PRS promo

Since long term you be better off putting into growth fund

REITs are only useful to supplement your income in lieu of dividends which is why only mostly those who want capital preservations especially retirees who will want REITs for income to cover living costs

If you prefer REITs instead of buying UT REITs you better off buying ETF REITs or Stock REITs rather than paying the 2% to UT Manager yearly