Tuesday, November 27, 2012
Saturday, November 24, 2012
Private Retirement Scheme (PRS) Introduction
· Offered to the public for the purpose of building up long-term savings for retirement
· PRS Framework
·
6
core funds: -
Conventional
|
Islamic
|
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.
- Withdrawal proceeds within 10 days.
- Pre-retirement withdrawals: Death of member, Permanent departure from Malaysia, Withdrawal of accrued benefits from sub-account B.
- The scheme is open to all individuals aged 18 and above, including foreigners.
Wednesday, November 21, 2012
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）
Tuesday, November 20, 2012
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