通过私人退休计划补充您的退休储蓄

 

 

Source from: Money Compass (106) - Dec 2012

 

 

PRS 私人退休计划问与答

Source from Sinchew's Website: http://www.sinchew.com.my/node/254739?tid=1

PRS私人退休计划理想收入分配模式

Public Mutual unveils six PRS funds

Public Mutual unveils six PRS funds

PRS: Save with retirement in mind - The Star Online

PRS: Save with retirement in mind - The Star Online

Private Retirement Scheme (PRS) Introduction

Private Retirement Scheme (PRS)

·         Offered to the public for the purpose of building up long-term savings for retirement
·         PRS Framework

·         6 core funds: -

Conventional	Islamic
PRS Growth Fund (PRS-GRF)	PRS Islamic Growth Fund (PRS-IGRF)
PRS Moderate Fund (PRS-MDF)	PRS Islamic Moderate Fund (PRS-IMDF)
PRS Conservative Fund (PRS-CVF)	PRS Islamic Conservative Fund (PRS-ICVF)

a)      You can select either default option or non-default option

b)      All contributes made to PRS will be split and maintained in 2 sub-accounts A & B

Benefits

• Diversification
• Professional management
• Ease of transactions
• Enjoy personal tax relief
• Income of the fund is exempt from Malaysia income tax (Max. RM3,000)
• Tax deduction for employers on contribution made

Risks

• Capital & returns not guaranteed
• Market risk
• Fund Manager risk
• Inflation risk
• Legal & regulatory risk
• Risk associated with the default option

Fees & Charges

• RM10 PPA account opening fee (one off)
• 3% of sales charge
• RM8 per annum of PPA annual fee (if contribute subsequent year)
• RM25 PPA pre-retirement withdrawal fee
• RM25 Service Provider transfer fee & RM25 PPA transfer fee (to another PRS provider)
• Other management fee, trustee fee and PPA administration fee per annum of NAV.

Others

1. Withdrawal proceeds within 10 days.
2. Pre-retirement withdrawals: Death of member, Permanent departure from Malaysia, Withdrawal of accrued benefits from sub-account B.
3. The scheme is open to all individuals aged 18 and above, including foreigners.

Download Product Highlights sheet: 
PRS-Conventional Series     PRS-Shariah-based Series

Download Disclosure Document: 
PRS-Conventional Series     PRS-Shariah-based Series

私人退休基金计划的特色

私人退休基金计划（Private Retirement Scheme）是政府在现有的强制性退休金外，另外设立的自发存款计划，凡18岁以上的大马公民和外国人皆可参加。此计划将于11月26日开始。


私人退休基金计划的特色：

1）让存款者享有为期10年、最高不超过3000令吉的所得 税回扣。

2）PRS提供低廉的新进3%手续费用。

3）按照风险程度差别，提供存款者以下三项传统系列和三项回教系列基金：

• 保守基金及回教保守基金 - 适合50岁以上者
• 稳健基金及回教稳健基金 - 适合40～50岁者　
• 成长基金及回教成长基金 - 适合18～39岁者

4）跟公积金类似，分成两个户头，其中70%储蓄存在户头A，到了55岁才可以提领；另外30%则存在户头B，存款满1年后，只需缴8%的提款税和RM25提款费便可以提领。

5）证券监督委员会授权私人退休基金管理机构（PPA），提供私人退休基金计划会员一站式的明细服务。想知道更多关于PRS的详情，可浏览http://www.ppa.my。


其它资讯：

下载手册 （英文版）

私人退休基金问与答 （英文版）

私人退休基金录制片段 （英文版）

投资私人退休基金可节税