(PRS) Private Retirement Scheme – Simpanan Persaraan Swasta

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

MENURUT FAKTA:

“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.

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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.

BAGAIMANA UNTUK BUKA AKAUN PRS

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 “

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