Posted by regnig > 2014-10-25 16:03 | Report Abuse

Very conservative and safe but still have to pay manager fees

Posted by ks55 > 2014-10-25 21:36 | Report Abuse

PRS is not a reliable scheme. Never believe those funds can give you better return than EPF. To put money in PRS, I would rather prefer to contribute more in EPF.

Even the renowned Public Mutual has 13 Funds removed under PRS scheme. Make detail enquiry about management fees, entry fees, returns, why so many Funds failed. If they tell you market sentiment no good, ask them what are they good at.

If you are not greedy, put your money in retail REITs like Hektar, PavReit, CMMT or even IGB Reits on a regular basis. They will help you to achieve financial independence and see you through your golden years.