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Disclaimer

Last updated: March 2026

⚠️ Important: Private Retirement Scheme (PRS) investments involve risk. The value of your investment may go up or down. Past performance is not indicative of future results. You may not get back the full amount invested.

1. Not Financial Advice

The content on prsmalaysia.com is provided for educational and informational purposes only. Nothing on this website constitutes personalised financial advice, investment recommendation, or an offer or solicitation to buy or sell any investment product.

Before making any investment decision, you should consider your own financial situation, investment objectives, risk tolerance, and seek independent professional advice if necessary.

2. Regulatory Status

This website is operated by a registered Financial Adviser Representative (FAR) under the Capital Markets and Services Act 2007, regulated by the Securities Commission Malaysia (SC).

PRS is a voluntary long-term retirement savings and investment scheme governed under the Capital Markets and Services Act 2007 and administered by the Private Pension Administrator Malaysia (PPA). For more information, visit www.ppa.my.

3. Fund Performance Data

Fund performance figures shown on this website are:

  • Based on publicly available data at time of publication
  • Provided for reference and comparison purposes only
  • Subject to change, actual returns may differ
  • Not a guarantee of future performance

Always refer to the official fund prospectus and product highlights sheet issued by the respective fund management company before making any investment decision. These documents are available from the respective PRS providers and the PPA website.

4. Investment Risk Disclosure

PRS investments are subject to:

  • Market risk, the value of investments may fluctuate due to market conditions
  • Liquidity risk, early withdrawal (before age 55) from Sub-Account A is subject to an 8% tax penalty
  • Manager risk, performance depends on the fund manager’s investment decisions
  • Currency risk, for funds with foreign currency exposure

5. Accuracy of Information

While we endeavour to keep information accurate and up-to-date, we make no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, or suitability of the information on this website.

6. Third-Party Links

This website may contain links to external websites. We have no control over and accept no responsibility for the content of those sites.

7. Complaints and Disputes

If you have a complaint about the services provided through this website, please contact us first:

If unresolved, you may escalate to:

8. Governing Law

This disclaimer is governed by the laws of Malaysia. Any disputes shall be subject to the exclusive jurisdiction of the Malaysian courts.