Longer Life Span

With the medical advances, people are living longer than ever, and it’s not unrealistic to expect that your post-retirement life could be up to 20-30 years. This means you’ll need substantial nest egg to ensure that you don’t outlive your savings and to have a comfortable lifestyle during your retirement days.

Planning for Kid’s Education

It is not too early to plan for your retirement. Maybe you do not have children at the moment, you can always start early and planning for your children’s education before it is too late.

Beat Inflation

With the challenging market environment, the impact of inflation over the years will impact your purchasing power, thus, it is important to look at investing to grow your monies to beat inflation and not just merely depend on your savings to retire.

Insufficiency in Mandatory Retirement Saving

Active contribution to one’s EPF account alone may be insufficient for achieving one’s retirement goals. Malaysians would need to explore other avenues to give their golden years’ nest egg a boost and an alternative to consider is PRS.

Save for Retirement

A voluntary savings to complement the mandatory EPF savings. This scheme is designed for you to have additional savings for your retirement.

Affordable

Open an account and start with RM100 minimum initial investment and additional investment of RM50 respectively.

Flexible

You may choose your own PRS funds based on your risk appetite to reflect your changing retirement needs or our professional team can handle it for you.

Regulated Investment

The PRS is regulated by Securities Commission (“SC”) and your savings is safeguarded by the fund trustee.

Tax Relief

Enjoy up to RM 3,000 personal tax relief per year

RM 3,000 per year tax incentive for 10 years (2012-2021).
*Extended until 2025.

Monitor investments and choose funds that match risk-return profile.

Potentially higher returns and with income distribution (in units).

Funds invested are protected from creditors’ claim.

Various choice of funds.
Transfer can only be made once a year.

Investment Application Form

Switching Form

Joint Account Opening Application Form