Retirement (PRS)
Versa PRS Moderate
Also known as AHAM PRS Moderate Fund
In 3 sentences
PRS Moderate is a retirement fund aiming for a mix of income and capital growth. Versa labels it Moderate risk. It suits investors wanting a middle-ground retirement fund with less swing than PRS Growth.
What it buys
PRS Moderate is a Private Retirement Scheme fund balancing income and capital growth, on top of your EPF savings.
Key numbers
| Annual fees | Management 1.50%, trustee 0.04% Plus an annual PPA fee of RM8 (subject to 8% SST), charged on subsequent-year contributions Daus (Versa app, Product Information, 17 Sep 2026) |
|---|---|
| Sales charge | Sales charge: 0% on every product |
| Minimum cash-in | RM100 |
| Distribution | Not specified in sources |
Some figures for this fund are not yet confirmed in Versa sources. Daus updates them once confirmed.
Published performance
Source: Versa app, Product Information (Daus's account, 17 Sep 2026). Past returns do not guarantee future returns. Unit prices can go down. Not financial advice. Old figures do not necessarily repeat.
When it fits, when it does not
Might fit
Might suit investors wanting a balanced retirement fund between growth and stability.
Poor fit
Not a good fit if you might need the money before retirement age, since PRS has early-withdrawal tax penalties.
Does Daus hold it?
There is no record of Daus holding this fund in this site's ledger.
How to get in
- Open the app → Manage → Cash In.
- Choose Versa PRS Moderate, type the amount (minimum RM100), swipe to confirm.
- Pay by FPX from a bank account in your own name.
Quest eligibility: First cash-in for the RM10 referral reward · Retirement Booster / PRS bonus (terms not yet confirmed).
Full cash-in tutorial · Set up Auto Save · Active quests
How to get out
PRS contribution split: 70% sub-account A, 30% sub-account B. Account B can be withdrawn after a year but is taxed PRS early withdrawal tax: 8% (account B, after one year, under age 55). PRS withdrawals are made through support@versa.com.my. PRS tutorial
Daus's videos
Versa PRS Moderate FAQ
What is the minimum cash-in for Versa PRS Moderate?
RM100. For the RM10 referral reward, a new account's first cash-in must be RM100 or more in one transaction.
Is Versa PRS Moderate Shariah-compliant?
No, it is conventional. The underlying fund is AHAM PRS Moderate Fund.
What are the fees for Versa PRS Moderate?
A management fee of 1.50% and a trustee fee of 0.04% a year, charged inside the unit price. No sales charge. The 8% SST on fees is included.
Official sources
- Versa product page ↗
- Daus (Versa app, Product Information, 17 Sep 2026) ↗
- versa.com.my/retirement.txt ↗
Fund data checked 17 Sep 2026. Past returns do not guarantee future returns. Unit prices can go down. Not financial advice.
No Versa yet? Sign up with code VDAUSDK
Sign up with code VDAUSDK, get verified, and make a first cash-in of RM100 or more in one transaction. RM10 is credited as units within 30 business days. Later top-ups do not count.
Daus earns a referral commission when you sign up with this code or link and make your first cash-in. It costs you nothing extra; your RM10 reward comes from Versa under their T&C. Not financial advice.