Private Retirement Scheme Planning

 

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% to 7% of your employee’s remuneration.
  • ✅ Apply for 0% service charges on employee and employer contribution.
  • ✅ Retain talents by rewarding your loyal employees via PRS Vesting Programme.
  • ✅ Employers decide the contribution amount and vesting conditions.
  • ✅ Promote financial wellness in their organizations

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.

👩‍💼 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 with your expertise and consistent client service

This career is about building lasting value — for your clients and yourself.

❤️ Ready to Start Your Financial Journey?

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