EPF and PRS do different jobs

EPF or PRS—which fits your retirement plan?

Short answer:There is no honest universal winner between EPF and PRS. The three PRS funds below are a starting shortlist; your time horizon, risk and fees decide what fits.

● Checked 15 Jul 2026

Three checks first

Start with these 3 questions

  1. When you need access to the money
  2. How much investment risk you accept
  3. What fees the fund charges

The shortlist

Three growth PRS funds worth a closer look

Option 1

AHAM PRS Growth Fund

  • growth fund
  • No made-up return forecast
  • Read the current risk level and fees in the fund documents

Option 2

AIA PAM Growth Fund

  • growth fund
  • No made-up return forecast
  • Read the current risk level and fees in the fund documents

Option 3

Principal PRS Plus Growth - Class A

  • growth fund
  • No made-up return forecast
  • Read the current risk level and fees in the fund documents

What we left out

We do not forecast returns or claim a past-performance winner.

Show me the receipts

These links are the official records behind the check. The result applies only to the named options and example—not the whole market and not every person.

How comparisons workHow data is checked

One last check:Read the current fund documents and consider licensed advice for your circumstances.