PRS - Private Retirement Scheme

[2bz4money]

full info pasal PRS ni kat sini http://www.ppa.my/

brochure dlm BM: http://www.ppa.my/wp-content/uploads/2012/07/PRSnewbookletBM.pdf

sedikit sebanyak pasal PRS:
-tujuan lebih kurang sama mcm KWSP tapi yg diswastakan
-amount yg kita invest akan split kpd 2 acc 70:30
-70% xle wdraw sampai pencen, 30% boleh tapi kena caj..huhu
-ada pelepasan cukai up to 3000. kira automatic dpt 15-20% setahun depend tangga cukai masing2
-fee lg rendah dari normal UT

aku berminat 1 je fund PRS ni Hwang AIIMAN PRS Shariah Growth

sbb:
- 0 fee
- Hwang AIIMAN Growth is a Recommended Fund at FSM

PRS btul2 sebijik je mcm modul KWSP..yg aku nampak kelebihannya sales charge rendah berbanding kat luar dan pelepasan cukai 3k setahun selama 10 tahun mulai 2012. Kalu umur 45 tahun patut amik opportunity ni. So, plan labur 3k x 10 tahun= hopefully dpt roi lebih 30k dgn pakai benchmark ASB je..

Kelemahan pulak, x byk pilihan UT Shariah dan dana2 baru yg masih tiada track record. Cuma aku nampak Dali & Aiiman jer yg bole disandarkan utk aggresive..utk balance dan bond masih tercari2..

 

[ableze_joepardy]

baru perasan ada fees la pulak

One-off account opening fees RM 10

Annual fees (not payable on year there is no contribution) RM 8 to be charged yearly per provider (not payable for the year the account was opened)

ni automatik potong dari acc investment kite ke?

 

[zia]

Menarik juga PRS nie.. Simpanan kedua selepas kwsp.
Apa kelebihan PRS nie berbanding skim unit trust yg lain (selain deduction tax 3k)
Dan apa pilihan PRS yg menarik ?
Tkasih..

 

[2bz4money]

PRS Shariah

Menarik juga PRS nie.. Simpanan kedua selepas kwsp.
Apa kelebihan PRS nie berbanding skim unit trust yg lain (selain deduction tax 3k)
Dan apa pilihan PRS yg menarik ?
Tkasih..

UT halal ni je yg ada..pilihlah ikut toleransi risiko sendiri berdasarlan info dari prospektus laman web masing2..

CIMB Islamic PRS Plus
CIMB Islamic PRS Plus Conservative
CIMB Islamic PRS Plus Moderate
CIMB Islamic PRS Plus Growth
CIMB Islamic PRS Plus Equity
CIMB Islamic PRS Plus Asia Pacific Ex Japan Equity

Hwang AIIMAN PRS Shariah Growth fund

Public Mutual Private Retirement Scheme –Shariah-based Series
Public Mutual PRS Islamic Growth Fund
Public Mutual PRS Islamic Moderate Fund
Public Mutual PRS Islamic Conservative Fund

Sumber Blogger KLIK

 

[marissa08]

Heloo..........................

 

[zia]

UT halal ni je yg ada..pilihlah ikut toleransi risiko sendiri berdasarlan info dari prospektus laman web masing2..

CIMB Islamic PRS Plus
CIMB Islamic PRS Plus Conservative
CIMB Islamic PRS Plus Moderate
CIMB Islamic PRS Plus Growth
CIMB Islamic PRS Plus Equity
CIMB Islamic PRS Plus Asia Pacific Ex Japan Equity

Hwang AIIMAN PRS Shariah Growth fund

Public Mutual Private Retirement Scheme –Shariah-based Series
Public Mutual PRS Islamic Growth Fund
Public Mutual PRS Islamic Moderate Fund
Public Mutual PRS Islamic Conservative Fund

Sumber Blogger KLIK

terimakasih tuan
petang td..baru jumpa ejen public mutual..bertanyakan pasal PRS..dia pun x advise ambil PRS
Atas alasan..
unit trust yg ada pun mmg utk jangkamasa panjang..
kita bole switching anytime..incase harga merudum..
utk certain dana spt pub.ittikal siap ada insuran lg.
harga dana PRS projection tidak sebaik dana yg sedia. .

Itu pandangan beliau..mungkin iya utk pub.mutual..mungkin tidak kpd provider yg lain..

 

[hazri99]

terimakasih tuan
petang td..baru jumpa ejen public mutual..bertanyakan pasal PRS..dia pun x advise ambil PRS
Atas alasan..
unit trust yg ada pun mmg utk jangkamasa panjang..
kita bole switching anytime..incase harga merudum..
utk certain dana spt pub.ittikal siap ada insuran lg.
harga dana PRS projection tidak sebaik dana yg sedia. .

Itu pandangan beliau..mungkin iya utk pub.mutual..mungkin tidak kpd provider yg lain..

aper jenis UTC mcm tuh...

 

[fenworks]

public mutual unit trust blh rebet cukai utk colum skim persaraan tu ke..

 

[pae18sg]

Melalui PRS, the provider akan laburkan duit anda ke dalam UT jugak. Tapi PRS fokus untuk simpanan hari tua anda, that's why dia semacam follow KWSP jugak where it has Account 1 & 2. Account 1 memang x leh di withdrawkan until you reach the eligible age. Account 2 boleh keluar if you meet certain criterias, with 8% tax penalty imposed on each withdrawal.

More info here: http://www.fundsupermart.com.my/main/prs/prsLandingPage.tpl

Oh ye, bagi yang muslim, jangan lupa beli PRS funds yang syariah-compliant saja ye. Moga pelaburan anda di sini membawa untung di sana, insyaAllah.

 

[pae18sg]

Also, starting 2012 (kalu x silap), LHDN bagi income tax rebate up to RM3000 on your PRS investment. Good for those who hate seeing their hard-earned income being taken away by LHDN.