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Fees Comparison

PRS Providers Funds Contributions & Withdrawals
AHAM Capital Asset Management Conservative (Both Conventional and Shariah) Minimum contribution:
Initial – RM100, Subsequent – RM50

Minimum withdrawal:
Initial – No minimum withdrawal
Moderate (Both Conventional and Shariah)
Growth (Both Conventional and Shariah)
AIA Pension and Asset Management Sdn Bhd Conservative Minimum contribution:
Initial – RM100, Subsequent – RM100
Note: The PRS Provider reserves the right to change the contribution amount.

Minimum withdrawal:
1,000 units
Moderate
Growth
Islamic Moderate Fund
Global Islamic Growth Fund
Dynamic Asia Ex-Asia Japan Fund
Dividend Income Fund
AmFunds Management Berhad Conservative Minimum contribution:
Class D and Class I:
Lump sum investment – RM500 per fund or lower amount as the PRS Provider may from time to time decide.

For lump sum investment via AmInvest PRS online platform:
RM100 per fund or lower amount as the PRS Provider may from time to time decide.

For regular savings plan:
RM100 per fund or lower amount as the PRS Provider may from time to time decide.

Note: For salary-deduction investment scheme, the minimum contribution can be set by controlling or contributing mode by the employer.
Moderate
Growth
Islamic Balanced Fund Minimum additional contribution:
Class D and Class I:
Lump sum investment – RM100 per fund or lower amount as the PRS Provider may from time to time decide.

For regular savings plan:
RM100 per fund or lower amount as the PRS Provider may from time to time decide.

Note: For salary-deduction investment scheme, the minimum contribution can be set by controlling or contributing mode by the employer.
Islamic Equity Fund
Asia Pacific REITs Fund
Tactical Bond Minimum withdrawal / switching:
Class D and Class I – 500 units or such units as the PRS Provider may from time to time decide.

Minimum holding / balance:
Class D and Class I – 200 units or such units as the PRS Provider may from time to time decide.
Dynamic Sukuk
Hong Leong Asset Management Berhad Conservative (Both Conventional and Shariah) Minimum contribution:
Initial – RM100, Subsequent – RM50

Minimum withdrawal:
Minimum redemption units: 500 units or as allowed
Moderate (Both Conventional and Shariah)
Growth (Both Conventional and Shariah)
Asia Pacific Fund
Kenanga Investors Berhad One PRS Minimum contribution:
Lump sum – RM1,000 per fund
Regular contribution – RM100 per fund

Minimum withdrawal:
RM250 or 500 units per fund
Shariah OnePRS
Manulife Investment Management (M) Berhad Conservative Minimum contribution:
Initial & subsequent – RM100 or amount decided

Minimum withdrawal:
200 units or amount decided
Moderate
Growth
Others
Principal Asset Management Berhad
(formerly CIMB-Principal Asset Management Berhad) 		Principal RetireEasy 2060/2050/2040/2030 Minimum initial contribution:
Class A & C – RM100
Class X – N/A

Minimum subsequent contribution:
Class A & C – RM50
Class X – N/A

Minimum withdrawal:
Class A & C – RM50 or 100 units
Class X – RM100 or 200 units
Principal Islamic RetireEasy 2060/2050/2040/2030
Principal Islamic RetireEasy Income
Principal RetireEasy Income
Others
Public Mutual Berhad Conservative Minimum contribution:
Lump sum – RM100
DDI – RM100

Minimum withdrawal:
1,000 units
Moderate
Growth
Others
RHB Asset Management Sdn Bhd Conservative Minimum contribution:
Initial – RM100 or amount decided
Subsequent – RM100 or amount decided

Minimum withdrawal:
No minimum
Moderate
Growth
Others

Compare

Contributions & Withdrawals

Sales Charge

Redemption Charge

Switching Fee

Transfer Fee
(to another PRS Provider)

Management Fee
(Per annum of Fund’s Nav)

Annual Trustee Fee
(Per annum of Fund’s Nav)

Fees Comparison

Legend:

All | Core Funds and Non-Core Funds
Others | Core Fund(s) and Non-Core Funds

Compare Category

Funds Contributions & Withdrawals
Conservative (Both Conventional and Shariah) Minimum contribution:
Initial – RM100. Subsequent – RM50.

Minimum withdrawal:
Initial – No minimum withdrawal
Moderate (Both Conventional and Shariah)
Growth (Both Conventional and Shariah)

Funds Contributions & Withdrawals
Conservative Minimum contribution:
Initial – RM100, Subsequent – RM100
Note: The PRS Provider reserves the right to change the contribution amount.

Minimum withdrawal:
1,000 units
Moderate
Growth
Islamic Moderate Fund
Global Islamic Growth Fund
Dynamic Asia Ex-Asia Japan Fund
Dividend Income Fund

Funds Contributions & Withdrawals
Conservative Minimum contribution:
Class D and Class I:

For lump sum investment:
RM500 per fund or lower amount as the PRS Provider may from time to time decide

For lump sum investment via AmInvest PRS online platform:
RM100 per fund or lower amount as the PRS Provider may from time to time decide
Note: Maximum initial contribution through AmInvest PRS online platform is capped at RM20,000.

For regular savings plan:
RM100 per fund or lower amount as the PRS Provider may from time to time decide
Note: For Employer-Sponsored Retirement Scheme, the minimum contribution can be met by combining all contributions made by employers for their employee.
Moderate
Growth
Islamic Balanced Fund Minimum additional contribution:
Class D and Class I:

For lump sum investment:
RM100 per fund or lower amount as the PRS Provider may from time to time decide

For lump sum investment via AmInvest PRS online platform:
For regular savings plan
RM100 per fund or lower amount as the PRS Provider may from time to time decide
Note: For Employer-Sponsored Retirement Scheme, the minimum contribution can be met by combining all contributions made by employers for their employee.

Minimum withdrawal:
1,000 units
Islamic Equity Fund
Asia Pacific REITs Fund
Tactical Bond Minimum withdrawal/switching:
Class D and Class I: 500 units or such units as the PRS Provider may from time to time decide


Minimum holding/balance:
Class D and Class I: 200 units or such units as the PRS Provider may from time to time decide
Dynamic Sukuk

Funds Contributions & Withdrawals
Conservative (Both Conventional and Shariah) Minimum contribution:
Initial – RM100. Subsequent – RM50.

Minimum withdrawal:
The minimum redemption Units is 500 units or such other lower amount as the Provider may in its sole discretion allow.
Moderate (Both Conventional and Shariah)
Growth (Both Conventional and Shariah)
Asia Pacific Fund

Funds Contributions & Withdrawals
One PRS Minimum contribution:
• Lump sum: RM1,000 per Fund.
• Regular contribution plan: RM100 per Fund.

Minimum additional contribution:
RM100 per Fund.

Minimum withdrawal:
RM250 per Fund or 500 Units per Fund.
Shariah One PRS

Funds Contributions & Withdrawals
Conservative Minimum contribution:
Initial and subsequent investment: RM100 or such other amount as the Provider may decide from time to time.

Minimum withdrawal:
200 Units or such other amount as the PRS Provider may decide from time to time.
Moderate
Growth
Others

Funds Contributions & Withdrawals
Principal RetireEasy 2060/2050/ 2040/2030 There are fees and charges involved and you are advised to consider them before contributing to the scheme.

Minimum initial contribution
Class A and Class C:
RM100
Class X
N/A

Minimum subsequent contribution
Class A and Class C:
RM50
Class X
N/A

Minimum withdrawal
Class A and Class C:
RM50 or 100 Units
Class X
RM100 or 200 Units

Note: Currently, only Class A is available for subscription through PPA PRS Online. For more information on Class C and Class X, you may contact Principal Asset Management Berhad’s Customer Care Centre at (603) 7723 7260 or email to service@principal.com.my
Principal Islamic ReatireEasy 2060/2050/ 2040/2030
Principal Islamic RetireEasy Income
Principal RetireEasy Income
Others

Funds Contributions & Withdrawals
Conservative There are fees and charges involved and you are advised to consider them before contributing to the scheme.

Minimum initial contribution / Subsequent contribution

Public Mutual Private Retirement Scheme –
Conventional Series
Lump sum contribution : RM100*
Direct Debit Instruction (DDI): RM100

Public Mutual Private Retirement Scheme –
Shariah-based Series
Lump sum contribution : RM100*
Direct Debit Instruction (DDI): RM100

Minimum withdrawal

Public Mutual Private Retirement Scheme –
Conventional Series
1,000 Units

Public Mutual Private Retirement Scheme –
Shariah-based Series
1,000 Units

* A lower amount may be accepted if contributions to the fund(s) are made through employers. A minimum amount of RM100 for each fund will be accepted for transfers from other PRS providers. The PRS Provider may reduce the minimum initial and additional contribution amount from time to time.
Moderate
Growth
Others

Funds Contributions & Withdrawals
Conservative There are fees and charges involved and you are advised to consider them before contributing to the scheme.

Minimum contribution:
Initial contribution: RM100.00 or such other amount as the PRS Provider may decide from time to time. Subsequent contribution: RM100.00 or such other amount as the PRS Provider may decide from time to time.

Minimum withdrawal:
No minimum.
Moderate
Growth
Others

Legend:

All | Core Funds and Non-Core Funds
Others | Core Fund(s) and Non-Core Funds

Note :
1. Principal Asset Management Berhad:

(formerly known as CIMB-Principal Asset Management Berhad)

Class Features
Class A Subject to the PRS Provider’s absolute discretion, Class A is for an individual who has attained the age 18 years as of the date of opening a private pension account. Class A and Class C have different Sales Charge and Management Fee.
Class C Subject to the PRS Provider’s absolute discretion, Class C is for an individual who has attained the age 18 years as of the date of opening a private pension account. Class A and Class C have different Sales Charge and Management Fee.
Class X Subject to the PRS Provider’s absolute discretion, Class X is for a Member who participates via his/her employer. Class X has no Sales Charge.

Note: Currently, only Class A is available for subscription through PPA PRS Online. For more information on Class C and Class X, you may contact Principal Asset Management Berhad’s Customer Care Centre at (603) 7723 7260 or email to service@principal.com.my.

2. Manulife Investment Management (M) Berhad

Multiple classes of units

The core funds of the Scheme have 3 classes of Units: Class A, Class B and Class C. The noncore fund of the Scheme has 1 class of Unit: Class C. Class A, Class B and Class C Units are distinguished by the amount of Sales Charge, Redemption Charge, switching fee, transfer fee and amount of management fee imposed by the Provider on each of those classes of Units.

On the 10th anniversary of the date the first contribution was made by or on behalf of a Member holding Class A Units of a Fund, the Class A Units of such Fund held by a Member will automatically be converted into Class B Units of such Fund at no cost to the Member.

Accordingly, any subsequent contributions by or on behalf of the Member after the said 10th anniversary will be utilised towards the purchase of Class B Units of any of the Funds. For the avoidance of doubt, the date the first contribution was made shall be the earliest date the first contribution was made to the Scheme or to any other PRS operated by the Provider.

Switching

Members may switch:

(a) between Funds of the Scheme;

(b) between a Fund of the Scheme and any other fund in another scheme operated by the Provider; and

(c) from Class A or Class B Units to Class C Units.

However, switching from Class C Units to Class A or Class B Units is not allowed.

3. AmFunds Management Berhad:

Class Features
Class D Class D is only available for certain distributors appointed by the PRS Provider and via AmInvest PRS online platform.
Class I Class I is only available for Employer-Sponsored Retirement Scheme and also employees of any employer with prior arrangement with the PRS Provider.

For more information on the fees / charges please contact your PRS provider or read the PRS Providers’ Disclosure Document, Supplementary or Replacement Disclosure Document and Product Highlights Sheet.