{"id":4683,"date":"2013-04-17T11:24:34","date_gmt":"2013-04-17T03:24:34","guid":{"rendered":"http:\/\/www.imoney.my\/articles\/?p=4683"},"modified":"2018-01-12T10:03:03","modified_gmt":"2018-01-12T02:03:03","slug":"prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya","title":{"rendered":"PRS (Bahagian 6): Skim Persaraan Swasta Di Malaysia \u2013 Manfaatnya"},"content":{"rendered":"
\"Manfaat

Manfaat utama PRS ialah menggalakkan anda menyimpan secara aktif untuk persaraan anda.<\/p><\/div>\n

Dalam bahagian keenam dan terakhir Siri PRS iMoney kami, akhirnya kita sampai kepada perkara-perkara yang menarik, iaitu: manfaat-manfaat besar mencarum kepada PRS di sebalik risiko-risikonya.<\/p>\n

<\/span>Berfungsi Seperti KWSP Kedua<\/span><\/h2>\n

Matlamat utama PRS ialah membantu individu-individu menyimpan untuk persaraan mereka, sama seperti Kumpulan Wang Simpanan Pekerja (KWSP) yang kedua. Itu sudah cukup sebagai motivasi yang kuat untuk anda sertai, di mana ramai warga Malaysia tidak mempunyai jumlah wang yang cukup dalam akaun-akaun KWSP mereka untuk bertahan lama selepas persaraan.<\/p>\n

<\/span>Disiplin<\/span><\/h2>\n

Ciri utama pelan PRS adalah strukturnya yang agak tegar, yang tidak menggalakkan anda menggunakan caruman PRS anda sehingga masa yang sesuai. Seperti yang diilustrasikan dalam\u00a0Bahagian 3 Siri PRS kami<\/a>, anda hanya boleh membuat pengeluaran dari sub akaun B anda (yang memegang 30% daripada jumlah keseluruhan yang anda carumkan) setahun sekali, oleh itu memaksa anda untuk menyimpan 70% yang lain sehingga tempoh persaraan. Sebagai tambahan, anda tertakluk kepada 8% penalti cukai ke atas jumlah pengeluaran awal, jadi anda perlu berfikir dua kali sebelum menyentuh akaun PRS anda.<\/p>\n

<\/span>Pelepasan Cukai<\/span><\/h2>\n

Dalam usaha untuk mempromosikan simpanan awam dengan pelan-pelan PRS, Kerajaan Malaysia meyediakan pelepasan cukai sehingga RM3,000 setiap tahun ke atas caruman-caruman PRS sehingga Tahun 2022. Sebagai tambahan, pendapatan-pendapatan yang dijana melalui PRS juga dikecualikan daripada cukai.<\/p>\n

<\/span>Fleksibiliti<\/span><\/h2>\n

Berbanding dengan KWSP, PRS menawarkan lebih fleksibiliti di mana tiada jumlah tetap atau selang masa caruman diperlukan. Walaupun penyedia PRS boleh menetapkan had minima atau maksima ke atas pelan-pelan PRS mereka, secara amnya anda bebas untuk mencarum sebanyak mana yang anda mampu dalam had-had tersebut. Juga, PRS membenarkan anda untuk bertukar pelan dan penyedia sekali setahun tertakluk kepada syarat-syarat yang dikenakan oleh penyedia-penyedia; yang mana memberikan anda kebebasan tertentu untuk bertukar kepada pelan-pelan yang lebih sesuai jika diperlukan.<\/p>\n

<\/span>Kemudahan<\/span><\/h2>\n

Dalam Pentadbir Pencen Swasta (PPS), pencarum PRS mempunyai satu entiti \/ hab \u00a0untuk menguruskan semua keperluan yang berkaitan dengan PRS. Kerana PPS pada dasarnya sentiasa memantau semua penyedia PRS dan pencarum, ia berupaya untuk mengawal proses komunikasi dengan lebih efektif dan secara amnya melindungi kepentingan semua pihak dengan lebih baik.<\/p>\n

Perlu ingat semula? Kenapa tidak kembali ke\u00a0Bahagian 1 Siri PRS kami<\/a>\u00a0dan belajar mengenai PRS sekali lagi.<\/p>\n

Namun begitu, jika anda fikir deposit tetap adalah satu jalan yang perlu diambil dalam perancangan kewangan anda; klik carta perbandingan deposit tetap<\/a>\u00a0kami untuk melihat bank mana yang menyediakan kadar faedah terbaik sekarang!<\/p>\n","protected":false},"excerpt":{"rendered":"

Dalam bahagian keenam dan terakhir Siri PRS iMoney kami, akhirnya kita sampai kepada perkara-perkara yang menarik, iaitu: manfaat-manfaat besar mencarum kepada PRS di sebalik risiko-risikonya. Berfungsi Seperti KWSP Kedua Matlamat utama PRS ialah membantu individu-individu menyimpan untuk persaraan mereka, sama seperti Kumpulan Wang Simpanan Pekerja (KWSP) yang kedua. Itu sudah cukup sebagai motivasi yang kuat… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8787,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,107],"tags":[279],"class_list":["post-4683","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pelaburan","tag-bm"],"acf":[],"yoast_head":"\nPRS (Bahagian 6): Skim Persaraan Swasta Di Malaysia \u2013 Manfaatnya<\/title>\n<meta name=\"description\" content=\"Dalam bahagian terakhir Siri Skim Persaraan Swasta, iMoney mendedahkan manfaat-manfaat besar mencarum kepada PRS di sebalik risiko-risikonya.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PRS (Bahagian 6): Skim Persaraan Swasta Di Malaysia \u2013 Manfaatnya\" \/>\n<meta property=\"og:description\" content=\"Dalam bahagian terakhir Siri Skim Persaraan Swasta, iMoney mendedahkan manfaat-manfaat besar mencarum kepada PRS di sebalik risiko-risikonya.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2013-04-17T03:24:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-01-12T02:03:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/retirement.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"298\" \/>\n\t<meta property=\"og:image:height\" content=\"169\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"iMoney Editorial\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"iMoney Editorial\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya\",\"url\":\"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya\",\"name\":\"PRS (Bahagian 6): Skim Persaraan Swasta Di Malaysia \u2013 Manfaatnya\",\"isPartOf\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya#primaryimage\"},\"thumbnailUrl\":\"\/articles\/wp-content\/uploads\/retirement.jpg\",\"datePublished\":\"2013-04-17T03:24:34+00:00\",\"dateModified\":\"2018-01-12T02:03:03+00:00\",\"author\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"Dalam bahagian terakhir Siri Skim Persaraan Swasta, iMoney mendedahkan manfaat-manfaat besar mencarum kepada PRS di sebalik risiko-risikonya.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya#primaryimage\",\"url\":\"\/articles\/wp-content\/uploads\/retirement.jpg\",\"contentUrl\":\"\/articles\/wp-content\/uploads\/retirement.jpg\",\"width\":298,\"height\":169,\"caption\":\"Skim Persaraan Swasta Di Malaysia \u2013 Manfaatnya\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.imoney.my\/articles\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Artikel Terkini\",\"item\":\"https:\/\/www.imoney.my\/articles\/category\/artikel-terkini\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"PRS (Bahagian 6): Skim Persaraan Swasta Di Malaysia \u2013 Manfaatnya\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\",\"url\":\"https:\/\/www.imoney.my\/articles\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.imoney.my\/articles\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\",\"name\":\"iMoney Editorial\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g\",\"caption\":\"iMoney Editorial\"},\"description\":\"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.\",\"sameAs\":[\"http:\/\/www.imoney.my\"],\"url\":\"https:\/\/www.imoney.my\/articles\/author\/chinglee\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"PRS (Bahagian 6): Skim Persaraan Swasta Di Malaysia \u2013 Manfaatnya","description":"Dalam bahagian terakhir Siri Skim Persaraan Swasta, iMoney mendedahkan manfaat-manfaat besar mencarum kepada PRS di sebalik risiko-risikonya.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya","og_locale":"en_US","og_type":"article","og_title":"PRS (Bahagian 6): Skim Persaraan Swasta Di Malaysia \u2013 Manfaatnya","og_description":"Dalam bahagian terakhir Siri Skim Persaraan Swasta, iMoney mendedahkan manfaat-manfaat besar mencarum kepada PRS di sebalik risiko-risikonya.","og_url":"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya","og_site_name":"iMoney Malaysia","article_published_time":"2013-04-17T03:24:34+00:00","article_modified_time":"2018-01-12T02:03:03+00:00","og_image":[{"width":298,"height":169,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/retirement.jpg","type":"image\/jpeg"}],"author":"iMoney Editorial","twitter_card":"summary_large_image","twitter_misc":{"Written by":"iMoney Editorial","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya","url":"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya","name":"PRS (Bahagian 6): Skim Persaraan Swasta Di Malaysia \u2013 Manfaatnya","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya#primaryimage"},"thumbnailUrl":"\/articles\/wp-content\/uploads\/retirement.jpg","datePublished":"2013-04-17T03:24:34+00:00","dateModified":"2018-01-12T02:03:03+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"description":"Dalam bahagian terakhir Siri Skim Persaraan Swasta, iMoney mendedahkan manfaat-manfaat besar mencarum kepada PRS di sebalik risiko-risikonya.","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya#primaryimage","url":"\/articles\/wp-content\/uploads\/retirement.jpg","contentUrl":"\/articles\/wp-content\/uploads\/retirement.jpg","width":298,"height":169,"caption":"Skim Persaraan Swasta Di Malaysia \u2013 Manfaatnya"},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/prs-bahagian-6-skim-persaraan-swasta-di-malaysia-manfaatnya#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"Artikel Terkini","item":"https:\/\/www.imoney.my\/articles\/category\/artikel-terkini"},{"@type":"ListItem","position":3,"name":"PRS (Bahagian 6): Skim Persaraan Swasta Di Malaysia \u2013 Manfaatnya"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb","name":"iMoney Editorial","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g","caption":"iMoney Editorial"},"description":"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.","sameAs":["http:\/\/www.imoney.my"],"url":"https:\/\/www.imoney.my\/articles\/author\/chinglee"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/4683"}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=4683"}],"version-history":[{"count":11,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/4683\/revisions"}],"predecessor-version":[{"id":15064,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/4683\/revisions\/15064"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/8787"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=4683"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=4683"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=4683"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}