好处：
1. 个人所得税折扣Rm3000
2. 所有20～30岁的年轻人只需要存入至少Rm1000就可得到政府额外津贴的Rm1000（必须在2018年12月31号或之前存入至少Rm1000）
3. 从而得到的收入豁免于马来西亚所得税。
4. 没有强逼性TOPUP
5. 存入Rm5000/以上并可或者额外的保险保障。
PRS回筹是否有保障？
没有保证最低回筹。需知道投资都是有风险的，高风险高回报；低风险低回报。
提早提款（55岁之前）
PRS有分成2个户口，第一户口（70%）必须等到55岁才能提款，第二户口（30%）每年可以提款一次，可是会被charge 8%的税务罚款。
Public Mutual Private Retirement Scheme(PRS) is the private retirement plan which manage by Public Mutual. Investors/Depositors only can withdraw the funds when they reach at age of 55.
Benefits :
1. Personal Tax Relief Rm3000
2. All teenagers age between 20~30 who deposit at least Rm1000 into PRS account before 31 Dec 2018 will get an incentive of Rm1000 which given by government.
3. All the income exempted from Malaysia Income Tax
4. Not a must to TOPUP monthly, flexible amount and time.
5. 100% insurance coverage will be given to the depositors if deposit at least Rm5000 into Rm5000. Maximum insurance coverage = Rm100,000
Do PRS guarantee return?
No. Return of investors/depositors depends on investment performance. High risk high return, low risk low return.
Pre-retirement withdrawal(Before 55 years old)
PRS contain of account 1(70%) which we can't withdraw the money before we reach age of 55 and account 2(30%) which can be withdraw once a year and subject to 8% tax penalty.
1. 个人所得税折扣Rm3000
2. 所有20～30岁的年轻人只需要存入至少Rm1000就可得到政府额外津贴的Rm1000（必须在2018年12月31号或之前存入至少Rm1000）
3. 从而得到的收入豁免于马来西亚所得税。
4. 没有强逼性TOPUP
5. 存入Rm5000/以上并可或者额外的保险保障。
PRS回筹是否有保障？
没有保证最低回筹。需知道投资都是有风险的，高风险高回报；低风险低回报。
提早提款（55岁之前）
PRS有分成2个户口，第一户口（70%）必须等到55岁才能提款，第二户口（30%）每年可以提款一次，可是会被charge 8%的税务罚款。
Public Mutual Private Retirement Scheme(PRS) is the private retirement plan which manage by Public Mutual. Investors/Depositors only can withdraw the funds when they reach at age of 55.
Benefits :
1. Personal Tax Relief Rm3000
2. All teenagers age between 20~30 who deposit at least Rm1000 into PRS account before 31 Dec 2018 will get an incentive of Rm1000 which given by government.
3. All the income exempted from Malaysia Income Tax
4. Not a must to TOPUP monthly, flexible amount and time.
5. 100% insurance coverage will be given to the depositors if deposit at least Rm5000 into Rm5000. Maximum insurance coverage = Rm100,000
Do PRS guarantee return?
No. Return of investors/depositors depends on investment performance. High risk high return, low risk low return.
Pre-retirement withdrawal(Before 55 years old)
PRS contain of account 1(70%) which we can't withdraw the money before we reach age of 55 and account 2(30%) which can be withdraw once a year and subject to 8% tax penalty.
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