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Source: The Edge (5th 11th Oct 2015)

All right reserved. The information published may not be reproduced or copied by any person or incorporate
into another documents or other materials without the prior written consent of Public Mutual Berhad.

PRS ISEQF NOV 2015

The dilemma of Malaysias middle


class in Retirement Planning
Retirement plan
aside from EPF
(%)

Put aside a 1/3


of more of my
salary into
savings

In debt

I can afford to
retire
comfortably

No
63.5%
No
56.3%

Yes 36.5%

Yes 43.7%

Yes

No

42%

58%

No

Maybe
51%

36%

All right reserved. The information published may not be reproduced or copied by any person or incorporate
into another documents or other materials without the prior written consent of Public Mutual Berhad.

Yes
13%
PRS ISEQF NOV 2015

Facts about Retirement Planning


Only 21% of Malaysian
retirees recognized the
need to plan by age of
30.

RM 1.9 million is needed


for Malaysias middle
class for comfortable
retirement. 53% worry
could not save enough.

Every RM 100 @ 6% p.a.

50% of retirees
exhaust their EPF
savings within 5
years.

Start at 25: worth 7.7x

Start at 40: worth 3.2x


by age 60.

Source: The Edge (5th 11th Oct 2015)


All right reserved. The information published may not be reproduced or copied by any person or incorporate
into another documents or other materials without the prior written consent of Public Mutual Berhad.

PRS ISEQF NOV 2015

Most Malaysians not prepared for retirement


Source: www.imoney.my, created on Feb 2014
All right reserved. The information published may not be reproduced or copied by any person or incorporate
into another documents or other materials without the prior written consent of Public Mutual Berhad.

PRS ISEQF NOV 2015

EPF Savings may not be sufficient for retirement


Source: www.imoney.my, created on Feb 2014
All right reserved. The information published may not be reproduced or copied by any person or incorporate
into another documents or other materials without the prior written consent of Public Mutual Berhad.

PRS ISEQF NOV 2015

What is PRS?
Private Retirement Scheme (PRS) is a voluntary
long-term contribution scheme designed to help
individuals accumulate savings for retirement.
Open to all individuals aged 18 and above,
including foreigners, as a supplement to their
retirement savings.
All right reserved. The information published may not be reproduced or copied by any person or incorporate
into another documents or other materials without the prior written consent of Public Mutual Berhad.

PRS ISEQF NOV 2015

10

How Much to Save?

Save at least 1/3 of Your Income


for Retirement Fund

10%

Source: www.imoney.my, created on Feb 2014


All right reserved. The information published may not be reproduced or copied by any person or incorporate
into another documents or other materials without the prior written consent of Public Mutual Berhad.

PRS ISEQF NOV 2015

11

Introducing

1st PRS Non-Core


Islamic Equity Fund
All right reserved. The information published may not be reproduced or copied by any person or incorporate
into another documents or other materials without the prior written consent of Public Mutual Berhad.

PRS ISEQF NOV 2015

12