Black Seed - 'The Remedy For Everything But Death'

RM90 per bottle 90 capsules ftom dakhoos@gmail.com, free delivery Malaysia by Pos Laju

Black Seed - 'The Remedy For Everything But Death'

PRS option for Employer Contribution and/or Employee Contribution

 

WHAT IS Private Retirement Scheme?

Private Retirement Scheme, or PRS, is a VOLUNTARY long term savings designed to complement EPF, the contributors' MANDATORY retirement scheme, in building up savings for retirement.

WHY PRS?

Most retirees exhaust their EPF savings within 5 years of their retirement. To prevent POVERTY IN RETIREMENT the government encourage employers to further contribute, and employees to save more, by introducing several incentives.

WHO CAN CONTRIBUTE?

1. Employers can contribute by adding another 6% to 7% (on top of mandatory 12% or 13% to EPF) of their employees' monthly salary;
2. Employees can contribute by way of monthly salary deduction by employer;
3. Anyone above 18 can contribute direct to a PRS account.

BENEFITS TO EMPLOYERS

1. Company Tax deductions up to 19%, on top of the mandatory 12% to 13% of employees' remuneration to EPF;
2. Attract, Reward & Retain employees;
3. Rights to Contributions

BENEFITS TO EMPLOYEES

1. Up to  RM3,000 personal income tax relief (for their own contributions);
2. RM1,000 government incentive to youths for their own initial RM1,000 contribution;
3. FREE PA Insurance or Takaful;
4. Creditor protection.

ABOVE BENEFITS APPLY TO ALL WHO CONTRIBUTE VIA SALARY DEDUCTION OR DIRECT CONTRIBUTIONS

PRS HAVE POTENTIALLY BETTER RETURNS THAN BANK DEPOSITS

 

 

 

 

Email dakhoos@gmail.com or message 0124836281 for details

** Terms and Conditions apply. Refer to DISCLOSURE DOCUMENTS OF THE COMPANY.



Let's RETIRE in COMFORT

Retirement crisis brewing as EPF savings suggest pensioner poverty

BY MELISSA CHI

(extracted from an article in malaymailonline)According to recent figures from the Employees Provident Fund (EPF), the approximately 70,000 active 54-year-old contributors have an average savings of just under RM167,000 last year.extracLUMPUR, Oct 5 ― Malaysia may be headed for a retirement crisis as tens of thousands of Malaysians depart the workforce for their golden years with less savings than is needed to keep them out of poverty. - See more at: http://www.themalaymailonline.com/malaysia/article/retirement-crisis-brewing-as-epf-savings-suggest-pensioner-poverty
(below article extracted from various sources)

PRIVATE RETIREMENT SCHEME in addition to EPF:

PPA, Private Pension Authority set up by the government, provides the central administration for the PRS, which was introduced in 2012 as a voluntary long-term investment scheme for retirement savings, which is currently eligible for up to 

# RM3,000 in annual tax relief, and

# some providers provide free insurance as well

Save RM250 monthly, get Tax Relief RM3,000 annually plus FREE Takaful insurance http://khoobooyeang.blogspot.my/2016/11/save-rm250-monthly-get-tax-relief.html

For illustration:
Monthly Saving            RM250.00
Annual Interest Rate     8%
Compounding Interval  Monthly
No. of Years                  30

Future Value                  RM375,073.79
Total Deposits               RM90,000.00
Interest Earned             RM285,073.79

PRS YOUTH INCENTIVE

The government also rolled out the PRS Youth Incentive to encourage those between the ages of 20 and 30 (up to before 31st birthdate) to set up accounts by depositing a RM1000 one-off incentive into each account that amasses a minimum of RM1,000 by year 2018. Minimum initial contribution is only RM100.00 (You save RM1,000 government contributes another RM1,000 to your account ... 100% return on investment!!)

PLUS

POTENTIAL HIGHER RETURN ON INVESTMENTS: up to 22.0% p.a. or higher

Email: dakhoos@gmail.com or PM: 0124836281 for details

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