SC Malaysia Approved · Voluntary Retirement Scheme

Don’t Just Rely on EPF.
Your Retirement Needs More.

Most Malaysians retire with less than they expected, because EPF alone isn’t enough. PRS gives you a second savings bucket, up to RM3,000 tax relief every year, and funds that actually grow.

💬 Talk to Us, Free What is PRS?
Annual Tax Relief
RM3,000
Separate from your EPF relief. Extended to Year 2030.
PRS Providers
9
SC Malaysia regulated
Min. To Start
RM100
No fixed monthly amount needed
PRS Tax Relief Extended to Year 2030
9 Approved PRS Providers in Malaysia
Open to Employed & Self-Employed
Shariah-Compliant Fund Options Available
Regulated by Securities Commission Malaysia
No Fixed Monthly Contribution Required
PRS Tax Relief Extended to Year 2030
9 Approved PRS Providers in Malaysia
Open to Employed & Self-Employed
Shariah-Compliant Fund Options Available
Regulated by Securities Commission Malaysia
No Fixed Monthly Contribution Required
So What Is PRS?

The Retirement Scheme Most Malaysians Overlook

PRS stands for Private Retirement Scheme, a voluntary savings and investment plan regulated by the Securities Commission Malaysia. It sits alongside your EPF, not instead of it. You pick the fund, you set the amount, you stay in control.

Help Me Get Started
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RM3,000 Tax Relief: On Top of Your EPF Relief

Every ringgit you put into PRS (up to RM3,000/year) lowers your taxable income. It’s one of the few legal ways to pay less tax while saving more.

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It Works With Your EPF, Not Against It

EPF is locked in and mandatory. PRS is flexible and voluntary. Having both means you’re building two separate retirement pots, which is exactly the point.

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Contribute When You Want, How Much You Want

No fixed monthly commitment. You can put in RM100 or RM3,000 in one go, whatever suits your cash flow that month.

6 Reasons People Start PRS

Whether you earn RM3,000 or RM30,000 a month, there’s a reason to start PRS. Here are the main ones.

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Pay Less Tax This Year

Contribute up to RM3,000 to PRS and reduce your taxable income by that same amount, on top of your EPF relief. If you’re in the 24% bracket, that’s RM720 back in your pocket.

Tax Relief
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Your Money Grows, Not Just Sits

PRS funds invest in equities and sukuk, with historical returns of 6–12% annually. That’s significantly more than leaving your savings in a fixed deposit.

Higher Returns
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Regulated. Your Money is Protected.

PRS is governed by the Securities Commission Malaysia. Your funds are held by an independent trustee. Even if the manager closes down, your money stays yours.

SC Protected
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No Fixed Amount, No Fixed Date

Put in RM100 this month, RM500 next month, nothing the month after, it’s entirely up to you. No penalty for skipping.

Flexible
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Halal Options That Actually Perform

Shariah-compliant PRS funds are available from most providers, screened by a certified Shariah Adviser and perform in line with conventional funds.

Shariah Option
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Companies Can Contribute for Staff Too

Employers who set up PRS for their team get a tax deduction on contributions. Employees benefit too and it costs less to run than most other staff benefits.

Corporate PRS

Try It Yourself

How Much Tax Will You Save?

Enter your income and PRS contribution to see your instant tax savings.

Contribution—
Tax Bracket—
💰 Tax Saved This Year—
Over 10 Years—

💡 Things Worth Knowing

You need to contribute before 31 December each year for it to count in that year’s tax assessment. Don’t wait until March.
RM250 a month adds up to RM3,000 a year, the maximum relief. That’s less than most people’s phone bill.
If you’re self-employed with no EPF, this might be your main retirement savings. Starting late is worse than starting small.
The difference between starting at 25 vs 35 isn’t just 10 years, it could be double the final amount, thanks to compounding.
Shariah funds are not lower quality. Many have matched or outperformed conventional equivalents over the past 5 years.
Ask Us Which Fund Suits You
Fund Comparison

Pick your own fund. Compare by risk level and returns.

These are self-directed funds. You choose the fund, you control the amount. Scroll down after the table if you prefer a hands-off approach.

Fund Name Provider Risk Type 1-Yr 3-Yr Min.

* Returns shown are based on publicly available data and are for reference only. Fund performance changes regularly. Contact us for the latest figures before making any decision.

Not sure which fund to pick?

Not sure which fund to pick? Go with the Default Option.

The Default Option handles everything based on your age. Young means higher growth. Getting closer to 55 means it shifts to something more stable. You just contribute. No fund picking needed.

Not sure which option suits you?
💬 Ask Me on WhatsApp
Free, no pressure
Getting Started

1

Free Consultation

WhatsApp us for a free, no-pressure chat about your retirement goals and income.

2

Choose Your Fund

We compare providers and recommend the right fund for your profile.

3

Open Your Account

Simple paperwork or fully online. Quick and easy, done in the same session.

4

Invest & Enjoy Tax Relief

Start from RM100/month. Grow your fund and claim your tax relief every year.

Who Is This For?

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Employed Professionals

Already contributing EPF but want more retirement security and a year-end tax advantage.

  • Reduce taxable income now
  • Second retirement pillar
  • Flexible fund choice
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Self-Employed & Freelancers

No mandatory EPF? PRS is your primary retirement tool with the same tax relief.

  • Build retirement independently
  • Same RM3,000 tax relief
  • Start anytime, no lock-in
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Young Adults (22–35)

Time is your greatest asset. Starting at 25 vs 35 can double your retirement fund.

  • Exponential compounding
  • From RM100/month
  • Shariah options available
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Employers & HR Teams

Set up corporate PRS for your team, tax deductible and a powerful retention benefit.

  • Tax deductible for company
  • Boost employee loyalty
  • We handle all admin

FAQ

Everything you need to know about PRS, answered simply and clearly. Still have questions? We’re one WhatsApp away.

💬 Ask on WhatsApp

What is PRS and how is it different from EPF?
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PRS (Private Retirement Scheme) is a voluntary, SC-regulated retirement savings scheme. Unlike the mandatory EPF, PRS lets you choose your own fund provider, investment strategy, and contribution amount, from conservative bonds to high-growth equity funds.
How much tax relief do I get from PRS?
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Up to RM3,000 per year, completely SEPARATE from your EPF tax relief. If you’re in the 24% bracket and contribute RM3,000, you save RM720 in taxes. Every year. Until 2030.
Can I withdraw my PRS before age 55?
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Yes, partially. Sub-Account B (30% of contributions) allows pre-55 withdrawals for death, permanent disability, terminal illness, or leaving Malaysia permanently. Early withdrawal for other reasons incurs an 8% tax penalty.
How much do I need to start?
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Most funds start from RM100–RM1,000 initial investment, with monthly top-ups from RM100. No upper limit, but tax relief caps at RM3,000/year.
Is PRS safe if the provider goes bankrupt?
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Yes. Your PRS assets are held by an independent trustee, completely separate from the fund manager. Even if a PRS Provider goes bankrupt, your money is protected.
Are there Shariah-compliant PRS funds?
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Yes, most PRS providers offer Shariah-certified funds. Same tax benefits, same growth potential, fully halal.
Talk to Us

Not Sure Where to Start? That’s Fine.

Most people who reach out don’t know exactly what they need, that’s normal. Send us a WhatsApp or fill in the form, tell us about your situation, and we’ll point you in the right direction. No sales pitch, no jargon.

SC-Licensed Financial Adviser/div>
Registered with Securities Commission Malaysia
We usually reply within a few hours, not days
The consultation is free. We earn only when we genuinely help you.

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