Our portfolio is quite similar. So with investment portfolio, I'm (targeting) 70% VT, 10% Principal Greater China, 10% Manulife REIT & 10% United ASEAN Discovery. So whatever M'sian equities in my investment portfolio is in the United ASEAN Discovery, which last I checked is 35% of the fund. So my M'sian equities is only about 3.5% of my overall portfolio, very little. There are some % of M'sian equities in VT and Manulife REIT but i believe it's quite insignificant. P/S: This does not account my retirement portfolio (EPF & PRS), those are obviously super heavy in M'sian equities but we don't really have control over.

Our background stories are also quite similar, for 10 years since i started working at 24 yrs old, I over-invested in Malaysia coz my Public Mutual agent just kept 'recommending' me to pump into different Malaysian Focused funds (with 5% fees!). At one point, I was like 80% in M'sian equities It was only after 2 - 3 years ago when i got into personal finance that I realised my mistake and re did my entire portfolio. glad we snapped out of it

Many had mentioned, prs is just aimed to get the tax relief,....
No tax relief, no invest in prs.