CIMB-Principal PRS Plus Funds Comparison (http://senseofmoney.blogspot.com)

	A	B	C	D	E	F
1	Funds Name	CIMB-Principal PRS Plus Growth Fund	CIMB-Principal PRS Plus Moderate Fund	CIMB-Principal PRS Plus Conservative Fund	CIMB-Principal PRS Plus Equity Fund	CIMB-Principal PRS Plus Asia Pacific ex Japan Equity
2	Fund Category	Growth	Moderate	Conservative	Growth	Growth
3	IPO Price	0.50 cents per unit
4	Investment Objective	Capital Growth	Capital growth	Capital preservation	Capital Growth	Capital Growth
5	Asset Allocation	0 - 70% local equity; At least 30% fixed income & money market.	0 - 60% local equity; At least 40% fixed income & money market.	0 - 20% local equity; 80 - 100% fixed income & money market	70 - 99.8% local equity; At least 0.2% liquid assets	95 - 100% invested in CIMB-Principal Asia Pacific Dynamic Income fund; Up to 5% liquid assets
6	Performance Benchmark	70% FTSE Bursa Malaysia Top 100 Index + 30% Quant shop MGS Short Index	60% FTSE Bursa Malaysia Top 100 Index + 40% Quant shop MGS Short Index	60% Quant shop MGS Short Index + 20% CIMB Bank 1-year FD Rate + 20% FTSE Bursa Malaysia Top 100	8% return per annum over long term	8% return per annum over long term
7	Sales Charge	3% (Class A), 0.5% (Class C), 0% (Class X)
8	Redemption Charge	0%
9	Transfer Fees	Up to RM 75 per transfer request
10	Switching Fees (between CIMB-Principal PRS funds)	0%. No switching between classes.
11	Annual Management Fees	1.4% (Class A & X), 1.5% (Class C)
12	Account Opening Fee	Max RM 40 (Class A & C). Nil for Class X. This fee can be waived if min contribution >= 1000/contrinution OR have RSP of min RM100/month.
13	Annual Trustee Fees	0.04%
14	Min Initial Subscription	RM100 (Class A & C). Not application for Class X
15	Min Additional Subscription	RM 50 (Class A & C). Not applicable for Class X
16	Min Withdrawal	RM 50 / 100 units (Class A & C); RM100 / 200 units (Class X)
17	Administration Fee	0.04% of NAV of the fund.
18	Default Fund Option	< 40 years old	40 - 50 years old	> 50 years old	Non-core fund	Non-core fund
19	Fees to be paid by individual to Private Pension Administrator (PPA)
20	Account Opening Fee	RM 10 (one-off)
21	Annual Fee	RM 8, to be borne by CIMB-Principal
22	Pre-Retirement Withdrawal Fee	RM 25 per withdrawal + 8% tax on withdrawal amount
23	Transfer Fees (to funds in other PRS providers)	RM25 per transfer request
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