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私人退休基金计划(PRS)8支回酬率最高的基金 - GOH YI CHEN
私人退休基金计划(PRS)8支回酬率最高的基金
16-Aug-2022
除了雇员公积金局(EPF)之外,其实民众还有另外一个退休金可以选择,那就是私人退休基金计划Private Retirement Scheme(PRS)。
马来西亚私人退休金管理局(PPA)是私人退休金计划(PRS)的中央管理机构。PPA 是由马来西亚第六任首相于 2012 年7月 18 日推介 PRS 时同步启动,PPA 是一家获马来西亚证券监督委员会批准而成立的机构,旨在保护PRS 会员的利益以及建立公众对 PRS 的意识。
和公积金局一样,PRS也分为2个户口,分别是第一户口占70%、而第二户口占30%。第一户口的存款也是必须等到55岁之后才能全额提领出来。不过民众也可以在指定情况下申请提款,例如供房屋或者医疗用途。第二户口每年可以提款一次,不过提款将被扣除8%的稅务罚款!
这是基于政府有为PRS提供税务减免。私人退休金(PRS)每年可以享有最高3000令吉的税务减免措施,有关措施已经将延长至 2025年。
关于回酬率:
目前PRS 基金管理公司一共有8家,其中包括了Affin Hwang AM、AIA、AmInvest、Kenanga Investors、Manulife Investment Management、Principal Asset Management、Public Mutual、以及RHB AM。
每家公司都有提供保守基金、稳健基金和成长基金供选择。以下是8 大5年年度和 1年表现最佳的PRS基金:
注意:过往的表现不能保证未来的回报,因此只能将其用作指导你了解退休计划的指南。
要知道投资都是有风险的,退休金回酬不保证,所以民众在选择投资的基金等项目,得了解风险。风险高的,一般回酬会比较高、而风险低的,回酬也比较低。
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