My goal; maximising my retirement savings
We source PRS investment solutions to fit your needs.
We understand when you retire you want to feel confident you have the means to live well. But, given the rising cost of living, we appreciate your concern about relying on your EPF alone. Private Retirement Scheme (PRS) offer the opportunity to invest long-term to supplement your retirement pot. However, searching the market to find the right scheme to fit your unique circumstances, requirements and risk appetite, can be challenging.
We can help.
We listen to understand your individual circumstances, requirements and retirement aspirations.
In consideration of your unique situation, we harness our expertise to search the market and source a PRS investment solution to fit your needs.
As all investments come with associated risks, we seek to make those risks clear.
We help devise a long-term strategy for your contributions.
We complete all relevant administration for your PRS and allocate funds accordingly.
We would work in partnership with you to monitor your investments, with a view to adjusting our strategy when new opportunities arise.
In addition to the tax relief you receive for your EPF, investing in a PRS can see you enjoy further relief on contributions of up to RM3,000 annually.
If you are an expat or hold assets
internationally, we can help navigate and mitigate legal and tax complexities.
Regular investment over the long term will see you benefit from compound interest.
You can pause and alter your contributions in line with your financial capability.
As a wholly independent and privately owned company, we are not restricted to offering specific Private Retirement Schemes. We are free to explore the market in its entirety to seek the very best opportunities for you.
Our dedicated Private Wealth Managers, licensed by the Securities Commission Malaysia, have extensive knowledge and experience in managing diverse investment portfolios within the Malaysian regulatory framework.
We provide regular, detailed communications on your investment performance, ensuring you are always informed.
Factoring your PRS, EPF and any other existing assets or investments, we can create a personalised and comprehensive financial strategy to secure your retirement.
Learn more.
Alongside your PRS, we can help maximise your EPF savings and provide you with a tailored plan to help manage them post-retirement.
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PRS is a voluntary retirement savings scheme that allows you to contribute as much or as little as you want, whenever you want. Your money is then invested into a fund which is managed by a financial institution. You are then able to draw down from your PRS account from the age of 55.
There are a wide variety of providers and Private Retirement Schemes available. You can also choose more than one fund offered by a PRS provider and switch funds at any time. Subject to terms and conditions, you can also change PRS providers.
We can help find the right PRS for you, aligning it with your circumstances, retirement aspirations and risk appetite. We also advise on contributions and partner with you to monitor your investments to ensure your PRS continues to meet your needs.
You can draw down from your PRS fund from the age of 55 or if you are emigrating. Should you wish to draw down prior to this, then it is important to note that you will only be able to access some of your money and there will be tax penalties.
We can help develop a personalised retirement roadmap, providing you with a robust financial plan to manage your savings.
The principal difference between PRS and EPF is that it’s voluntary and as such offers a greater degree of choice. You can decide how much you want to contribute and how often, alleviating the pressure of contributing a fixed amount every month. You can also choose your PRS provider and the funds you want to invest into, giving you greater control over your investment. This increased control may see you choose to invest in riskier, and therefore, potentially more profitable funds. However, unlike EPF which is government owned and guarantees you a minimum dividend rate of 2.5% a year, PRS offers no such guarantees on returns.
PRS, like all investments, comes with risks and there are no guarantees on returns. However, we will ensure your PRS is aligned with your appetite for risk and, as a part of our commitment to transparency, we will seek to make risks clear. We will also look to adequately diversify the funds your PRS is invested into to protect you from market fluctuations.
Yes, employers can offer to invest in a PRS offering it as an additional employee benefit. Employers also receive tax exemption for contributions for up to 19% of an employee’s base salary if they choose to do so. However, this offering is at the employer’s discretion.