(PRS) Private Retirement Scheme – Simpanan Persaraan Swasta

PRS konsepnya sama dengan KWSP, simpanan persaraan ibarat akaun ke 2 EPF. Mengandakan simpanan selepas bersara 


“Dalam laporan kerajaan, sebanyak 36% pekerja (anggaran seramai 4.32 juta orang) termasuk yang bekerja sendiri di Malaysia tidak menyertai Skim Wajib Simpanan Persaraan seperti KWSP.”

Apakah PRS?

Skim Persaraan Swasta (PRS) adalah skim simpanan dan pelaburan jangka panjang sukarela yang direka bagi membantu kita menyimpan lebih banyak untuk persaraan. PRS ini sangat membantu golongan pekerja swasta mahupun kerajaan atau bekerja sendiri bagi menambah simpanan persar noaan mereka di bawah struktur persekitaran yang kukuh dan dikawal selia.

Baca Juga: PanduanBaca Juga: Panduan Kumpul Deposit Beli Rumah Dengan Bijak

Setiap PRS menawarkan pilihan dana persaraan di mana kita boleh memilih untuk melabur berdasarkan keperluan persaraan dan toleransi risiko kita sendiri. Pilihan dana di bawah PRS bertujuan untuk meningkatkan pulangan jangka panjang bagi ahli dalam kerangka kerja yang dikawal selia.

Objektif PRS

PRS memainkan peranan penting dalam industri persaraan swasta sebagai sebahagian daripada Program Transformasi Ekonomi, dengan matlamat meningkatkan taraf hidup rakyat Malaysia semasa bersara melalui penjimatan tambahan. Dengan kerangka kerja kawal selia yang dibangunkan oleh Suruhanjaya Sekuriti Malaysia, PRS membentuk tunggak ketiga rangka kerja persaraan di Malaysia.

Melabur dalam PRS mungkin salah satu perkara terbaik yang boleh anda lakukan untuk persaraan kita. Inilah sebabnya:

1. Direka untuk persaraan

PRS ditubuhkan dengan tujuan utama iaitu membantu anda mengumpul lebih banyak simpanan untuk persaraan.

2. Simpanan yang berpatutan

Anda boleh menyimpan lebih dengan PRS dengan mencarum sekurang-kurangnya 10% daripada gaji bulanan untuk mengembangkan simpanan persaraan anda.

3. Pelaburan mudah

Perbagai pilih penyedia PRS dan Dana PRS sama ada pilihan sendiri atau pilihan yang ditetapkan berdasarkan umur anda.

4. Insentif Cukai & Belia

Dapatkan pelepasan yang cukai sehingga RM3,000 setahun dan rakyat Malaysia berusia 20-30 tahun akan mendapat insentif sebanyak RM1,000 dalam akaun PRS mereka. *(Tertakluk terma dan syarat) Tarikh tutup Insentif RM 1000 berakhir pada 31 Disember 2018. Untuk info lanjut boleh KLIK SINI

5. Pentadbir Pusat PRS

Menyediakan pengurusan akaun seumur hidup, dan perhidmatan ahli secara berterusan untuk melindungi kepenting anda.

6. Rangka kerja yang dikawal selia

PRS dikawal selia oleh Suruhanjaya Sekuriti Malaysia dan skim ini dilindungi oleh Pemegang Amanah Skim.


PRS ini adalah pelaburan persaraan yang sah dan dikawal selia oleh Suruhanjaya Sekuriti Malaysia (Securities Commission Malaysia). Permohonan perlulah melalui consultant yang ada lesen PRS sahaja.

Diantara Institusi Kewangan yang menyediakan kemudahan PRS:

  • Public Mutual
  • Affin Hwang Asset Management Berhad
  • AIA Pension and Asset Management Sdn Bhd
  • AmFunds Management Berhad
  • CIMB-Principal Asset Management Bhd
  • Kenanga Investors Berhad
  • Manulife Asset Management Services Bhd
  • RHB Asset Management Sdn Bhd

Boleh pilih salah satu institusi kewangan yang disenaraikan di atas untuk langkah pertama membuka akaun PRS.

PRS ini Untuk Siapa?

  • Pekerja swasta yang tiada KWSP – pekerja kontrak/ pekerja sambilan
  • Pekerja sendiri yang ADA / TIADA akaun KWSP / plan persaraa
  • Pekerja swasta yang mempunyai KWSP, tetapi mahukan booster untuk simpanan persaraan
  • Pekerja kerajaan yang memilih Skim Pencen, tetapi ingin menambahkan simpanan persaraan

Jika ada masalah dan masih tidak faham bagaimana untuk bermula, boleh hubungi Shah Zaidi : 0176678399 Untuk Keterangan Lanjut.

“Pelaburan Masa Depan Bermula Dari Sekarang “

Sharing is caring!

Facebook Comments

44 thoughts on “(PRS) Private Retirement Scheme – Simpanan Persaraan Swasta

  1. gamefly free trial

    hey there and thank you for your information – I’ve definitely
    picked up anything new from right here. I
    did however expertise a few technical points using this site, as I experienced to reload the website
    a lot of times previous to I could get it to load properly.
    I had been wondering if your web hosting is OK? Not that I am complaining, but slow loading instances times
    will very frequently affect your placement in google and could damage your quality score if ads and marketing with Adwords.

    Anyway I’m adding this RSS to my email and could look out for much more of your respective intriguing content.

    Make sure you update this again very soon.

  2. gamefly free trial

    Excellent post. I was checking constantly this weblog and I am inspired!

    Very helpful information specifically the final part :
    ) I care for such info a lot. I used to be looking for this particular information for a very long time.
    Thank you and best of luck.

  3. how to get help in windows 10

    I blog frequently and I really thank you for your content.
    The article has really peaked my interest. I will take a note of
    your website and keep checking for new information about once per week.
    I subscribed to your Feed too.

  4. gamefly free trial

    Hi everyone, it’s my first pay a visit at this web page, and article is actually fruitful for
    me, keep up posting such articles or reviews.

  5. gamefly free trial

    My relatives always say that I am wasting my time
    here at web, except I know I am getting experience
    everyday by reading thes pleasant articles.

  6. gamefly free trial

    I’ve been browsing on-line greater than 3 hours as of late,
    but I never found any attention-grabbing article like yours.
    It is pretty value enough for me. In my opinion, if all
    web owners and bloggers made good content as you probably did, the internet shall be a lot
    more useful than ever before.

  7. gamefly free trial

    I every time used to study paragraph in news papers but now as I am a user of web thus from
    now I am using net for posts, thanks to web.

  8. gamefly free trial

    It’s genuinely very complicated in this active life to listen news
    on Television, therefore I just use world wide web for that purpose, and
    get the most up-to-date information.

  9. gamefly free trial

    I read this piece of writing completely concerning the comparison of hottest
    and earlier technologies, it’s remarkable article.

  10. quest bars cheap

    I for all time emailed this blog post page to
    all my associates, because if like to read it next my contacts will too.

  11. quest bars cheap

    Pretty nice post. I just stumbled upon your weblog and wanted
    to say that I’ve really enjoyed surfing around your blog posts.
    After all I will be subscribing to your feed and I hope you write again soon!

  12. quest bars

    You really make it seem so easy together with your presentation but I find this topic to
    be actually one thing that I think I would never understand.
    It kind of feels too complex and very extensive for me.
    I am taking a look ahead for your subsequent put up, I’ll try to get the
    cling of it!

  13. plenty of fish dating site

    Hey, I think your blog might be having browser compatibility issues.
    When I look at your blog site in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping.
    I just wanted to give you a quick heads up!
    Other then that, fantastic blog!

  14. how to get help in windows 10

    We absolutely love your blog and find most of your post’s to
    be exactly I’m looking for. Would you offer guest writers to write content in your case?
    I wouldn’t mind composing a post or elaborating on most of
    the subjects you write regarding here. Again, awesome web site!

  15. plenty of fish dating site

    With havin so much content and articles do you ever run into any
    problems of plagorism or copyright infringement?
    My site has a lot of unique content I’ve either authored
    myself or outsourced but it appears a lot of
    it is popping it up all over the internet without my permission. Do you know any
    methods to help protect against content from being ripped off?
    I’d truly appreciate it.

  16. how to get help in windows 10

    Thanks for your marvelous posting! I actually enjoyed reading it,
    you could be a great author.I will be sure to bookmark your
    blog and definitely will come back sometime soon. I want to encourage one to continue your great posts, have a nice holiday weekend!

  17. plenty of fish dating site

    Do you have a spam issue on this website; I also am a blogger, and
    I was wondering your situation; we have developed some nice methods and
    we are looking to swap methods with others, why not shoot
    me an email if interested.

  18. how to get help in windows 10

    whoah this blog is fantastic i love reading your articles. Keep
    up the great work! You already know, lots of people are searching round for this info, you could help them greatly.

  19. how to get help in windows 10

    Cool blog! Is your theme custom made or did you download it from somewhere?
    A design like yours with a few simple tweeks would really make my blog stand out.
    Please let me know where you got your design. Thank you

  20. plenty of fish dating site

    Great article! This is the type of information that should be shared across the internet.
    Disgrace on Google for now not positioning
    this post higher! Come on over and discuss with my web site
    . Thanks =)

  21. natalielise

    It’s an awesome piece of writing designed for all the web viewers; they will
    obtain advantage from it I am sure. plenty of fish natalielise

  22. plenty of fish dating site

    Hmm is anyone else encountering problems with the
    images on this blog loading? I’m trying to find out if its a problem on my
    end or if it’s the blog. Any feedback would be greatly appreciated.

  23. smore.com

    Hey I know this is off topic but I was wondering if you knew of any widgets I
    could add to my blog that automatically tweet my newest
    twitter updates. I’ve been looking for a plug-in like this
    for quite some time and was hoping maybe you would have some experience with
    something like this. Please let me know if you run into anything.
    I truly enjoy reading your blog and I look forward to your
    new updates. natalielise pof

  24. plenty of fish https://natalielise.tumblr.com

    Do you have a spam issue on this blog; I also am a blogger,
    and I was wondering your situation; many of us have created
    some nice methods and we are looking to exchange
    techniques with other folks, please shoot me an e-mail if interested.

    pof natalielise

  25. plenty of fish dating site

    This is very interesting, You’re an excessively professional blogger.

    I have joined your feed and look ahead to in quest of more
    of your excellent post. Additionally, I have shared your website in my social networks

  26. plenty of fish dating site

    You really make it appear so easy with your presentation but
    I to find this matter to be actually one thing that I feel I’d never understand.
    It seems too complex and extremely large for me. I’m taking a look ahead in your subsequent put up,
    I will attempt to get the dangle of it!

  27. minecraft games

    Pretty great post. I simply stumbled upon your weblog and wanted to mention that I have truly enjoyed browsing
    your weblog posts. In any case I’ll be subscribing for your feed and
    I am hoping you write once more very soon!

  28. minecraft games

    I’m not that much of a internet reader to be honest but your sites
    really nice, keep it up! I’ll go ahead and bookmark your website to come back later.

  29. minecraft games

    First off I want to say wonderful blog! I had a quick question in which I’d like to ask
    if you don’t mind. I was curious to find out how you center yourself and
    clear your thoughts before writing. I have had a tough
    time clearing my mind in getting my thoughts out there.
    I do take pleasure in writing however it
    just seems like the first 10 to 15 minutes tend to be wasted just trying to figure out how to begin. Any ideas or tips?

    Appreciate it!

  30. quest bars cheap

    It’s actually a nice and useful piece of information. I’m happy that
    you simply shared this helpful info with us. Please stay
    us informed like this. Thank you for sharing.

  31. quest bars cheap

    Simply desire to say your article is as amazing. The clearness for your publish is simply nice and i can suppose you are
    an expert on this subject. Well with your permission allow
    me to take hold of your RSS feed to keep up to date with forthcoming post.
    Thank you 1,000,000 and please carry on the rewarding work.

  32. quest bars cheap

    I’m not sure where you are getting your information, but great topic.

    I needs to spend some time learning much more or
    understanding more. Thanks for magnificent info I was
    looking for this information for my mission.

Comments are closed.