Secure Your Future with the Private Retirement Scheme (PRS)
Since its launch in late 2012, the Private Retirement Scheme (PRS) has grown into a powerful tool for working professionals, entrepreneurs, and young Malaysians to build their retirement savings. Backed by government incentives and tax reliefs, PRS offers both financial advantages and career opportunities for those who take action today.
💸 Tax Relief Extended Until YA 2030 — Save More, Longer
Under Budget 2025, the government has announced an extension of the PRS individual tax relief of up to RM3,000 per year for another 5 years — now valid until Year of Assessment (YA) 2030.
- Continue to enjoy extra tax savings beyond your EPF and insurance relief.
- Smart retirement planning now brings long-term financial returns — and peace of mind.
🧑💼 Business Owners Can Save Too
Entrepreneurs who contribute PRS on behalf of employees can:
- Claim tax deductions up to 6%–7% of your employee’s remuneration.
- Apply for 0% service charges on both employee and employer contributions.
- Retain talents by rewarding loyal employees through the PRS Vesting Programme.
- Decide the contribution amount and vesting conditions flexibly.
- Promote financial wellness across your organisation.
It’s a win-win for both employer and employee.
🎁 Youth Incentives (Now Ended)
To encourage early saving, the government previously launched the PRS Youth Incentive:
- RM500 one-off incentive (Budget 2014)
- Increased to RM1,000 (Budget 2017) for 2017–2018
⚠️ Note: This incentive ended on 31 December 2018.
🛡️ Hedge Against Inflation with Long-Term Wealth Planning
Inflation can silently erode your savings. Wealthy individuals stay ahead by investing wisely — and you can too.
PRS acts as an additional retirement savings vehicle beyond your EPF, helping you stay prepared for future needs.
With PRS, you’re building for a comfortable, dignified retirement — on your terms.
Start Building Your Financial Future
1️⃣ Where You Are Now
You’ve worked hard to reach where you are today. Whether you run a business, earn a salary, or manage a family, most of your effort goes into keeping life stable. But have you ever paused to ask — how well is your money working for you?
2️⃣ Challenges Ahead
With rising costs, longer lifespans, and unexpected events, saving alone might not be enough. You may worry about retirement, your children’s education, or the value of your hard-earned savings being eroded by inflation.
3️⃣ If Nothing Changes
If your money continues to sit idle, it quietly loses its potential to grow. Many people realize this too late — when their savings can no longer support the lifestyle or security they dreamed of.
4️⃣ A Step You Can Take
Investing in a private retirement scheme and unit trust allows your money to work for you, guided by professional fund managers. You can start small, stay consistent, and grow your wealth steadily over time — with the right guidance.
👩💼 Turn Your Passion Into Perpetual Income
Interested in a rewarding financial career? Become a Private Retirement Scheme Consultant:
- Earn career benefits based on the Net Asset Value (NAV) you manage
- Enjoy monthly payouts — the more you grow, the more you earn
- Create a perpetual income stream through expertise and consistent client service
This career is about building lasting value — for your clients and yourself.
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