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Envelope-to: kelvinlim@saraya.com.my
Delivery-date: Fri, 19 Mar 2021 19:09:47 +0800
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From: invest@publicmutual.com.my
To: kelvinlim@saraya.com.my
Date: 19 Mar 2021 18:44:12 +0800
Subject: Worry your EPF savings not enough for retirement? Supplement it
 with PRS
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<html xmlns:v=3D"urn:schemas-microsoft-com:vml"><head><style> v:*=
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/head> <body><table width=3D"100%" border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0"><tr><td align=3D"center" width=3D"100%"  style=
=3D";min-height:px"> <table width=3D"100%" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0"><tr><td valign=3D"top"> <meta content=3D=
"text/html; charset=3DUTF-8" http-equiv=3D"Content-Type" />=0A<st=
yle type=3D"text/css">body,td,th {=0A=0A	color: #000000;=0A=0A}=0A=
</style>=0A<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" width=3D"850">=0A	<tbody>=0A		<tr>=0A			<td><a href=3D"https://=
www.publicmutual.com.my/" target=3D"_blank"><img alt=3D"" height=3D=
"109" src=3D"https://www.publicmutual.com.my/LinkClick.aspx?filet=
icket=3D_ho4O-s01Ns%3d&amp;portalid=3D0" width=3D"950" /></a></td=
>=0A		</tr>=0A	</tbody>=0A</table>=0A=0A<table border=3D"0" cellp=
adding=3D"0" cellspacing=3D"0" width=3D"950">=0A	<tbody>=0A		<tr =
align=3D"center">=0A			<td><img alt=3D"" src=3D"https://www.publi=
cmutual.com.my/LinkClick.aspx?fileticket=3DISYd5HBMr5Q%3d&amp;por=
talid=3D0" width=3D"950" /></td>=0A		</tr>=0A		<tr>=0A			<td>&nbs=
p;</td>=0A		</tr>=0A		<tr align=3D"justify">=0A			<td style=3D"pa=
dding: 20px 40px 20px 40px; font-size: 18px;">Dear Investor,<br /=
>=0A			<br />=0A			According to the Government statistics, most M=
alaysians do not have enough savings to retire comfortably, with =
50% of retirees above the age of 55 exhausting their retirement i=
ncome under Employees Provident Fund (EPF) within five years of r=
etirement.<sup>1</sup><br />=0A			<br />=0A			Therefore, it is cr=
ucial for you to&nbsp;boost your retirement fund to ensure&nbsp;s=
ufficient income stream to support your retirement lifestyle.&nbs=
p;Let's contribute at least 10% of your income into PRS funds to&=
nbsp;supplement your retirement funds&nbsp;and live&nbsp;a fulfil=
ling life during retirement!&nbsp;<br />=0A			&nbsp;=0A			<p>Bene=
fits of contributing to PRS:</p>=0A=0A			<ul>=0A				<li style=3D"=
padding: 0px 0px 5px 0px;">Up to RM3,000 tax relief</li>=0A				<l=
i style=3D"padding: 0px 0px 5px 0px;">Free insurance/Takaful cove=
rage<sup>^</sup></li>=0A				<li style=3D"padding: 0px 0px 5px 0px=
;">Protection of PRS savings from creditors<sup>^^</sup></li>=0A	=
		</ul>=0A			</td>=0A		</tr>=0A		<tr>=0A			<td>=0A			<p style=3D"=
font-size: 10px; padding: 10px 40px 20px 40px;"><sup>1</sup>&nbsp=
;Source: The Edge Malaysia Weekly - 18 July 2019<br />=0A			<sup>=
^</sup>Terms and conditions apply.<br />=0A			<sup>^^</sup> Money=
 in PRS scheme is protected from creditors as stated in Section 1=
39ZA of the Capital Markets and Service Act (CMSA).</p>=0A			</td=
>=0A		</tr>=0A		<tr>=0A			<td style=3D"font-size: 10px; text-alig=
n: justify; padding: 10px 40px 20px 40px;">Contributors are advis=
ed to read and understand the contents of the Disclosure Document=
 of Public Mutual Private Retirement Scheme &ndash; Conventional =
Series and Disclosure Document of Public Mutual Private Retiremen=
t Scheme &ndash; Shariah-based Series dated 24 February 2021 and =
the relevant fund&rsquo;s Product Highlights Sheet (PHS) before c=
ontributing. Contributors should understand the risks of the fund=
(s), compare and consider the fees, charges and costs involved in=
 contributing in the PRS fund(s). A copy of the Disclosure Docume=
nt and PHS can be viewed at our website www.publicmutual.com.my. =
Contributors should make their own assessment of the merits and r=
isks of the contribution. If in doubt, investors should seek prof=
essional advice. Please refer to www.publicmutual.com.my for our =
investment disclaimer.</td>=0A		</tr>=0A		<tr>=0A			<td style=3D"=
padding: 20px 380px 0px 380px;"><a href=3D"https://www.publicmutu=
al.com.my/Menu/Learning-Hub/Plan-Your-Retirement-with-PRS-Funds" =
target=3D"_blank"><img alt=3D"" src=3D"https://www.publicmutual.c=
om.my/LinkClick.aspx?fileticket=3DALDsh_tpTrE%3d&amp;portalid=3D0=
" width=3D"236" /></a></td>=0A		</tr>=0A		<tr>=0A			<td style=3D"=
text-align: center; padding: 10px 0px 10px 0px; font-size: 18px;"=
>Plan your retirement with PRS Funds<br />=0A			<br />=0A			Call =
your servicing PRS Consultant for more details!</td>=0A		</tr>=0A=
	</tbody>=0A</table>=0A=0A<table border=3D"0" cellpadding=3D"0" c=
ellspacing=3D"0" width=3D"950">=0A	<tbody>=0A		<tr>=0A			<td><img=
 alt=3D"" height=3D"51" src=3D"https://www.publicmutual.com.my/Li=
nkClick.aspx?fileticket=3DFUxZPvEK_8Y%3d&amp;portalid=3D0" width=3D=
"950" /></td>=0A		</tr>=0A	</tbody>=0A</table>=0A=0A<table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"850">=0A	<tbo=
dy>=0A		<tr>=0A			<td><a href=3D"https://www.publicmutualonline.c=
om.my/" target=3D"_blank"><img alt=3D"" height=3D"51" src=3D"http=
s://www.publicmutual.com.my/LinkClick.aspx?fileticket=3DkP5xGHBXg=
DE%3d&amp;portalid=3D0" width=3D"365" /></a></td>=0A			<td><a hre=
f=3D"https://www.publicmutual.com.my/Invest-Now" target=3D"_blank=
"><img alt=3D"" height=3D"51" src=3D"https://www.publicmutual.com=
.my/LinkClick.aspx?fileticket=3D3kUmH27-fLs%3d&amp;portalid=3D0" =
width=3D"220" /></a></td>=0A			<td><img alt=3D"" height=3D"52" sr=
c=3D"https://www.publicmutual.com.my/LinkClick.aspx?fileticket=3D=
2QkWC2vlB8c%3d&amp;portalid=3D0" width=3D"365" /></td>=0A		</tr>=0A=
	</tbody>=0A</table>=0A=0A<table border=3D"0" cellpadding=3D"0" c=
ellspacing=3D"0" width=3D"950">=0A	<tbody>=0A		<tr>=0A			<td heig=
ht=3D"50" width=3D"750">=0A			<h6><sup>*</sup>In terms of total r=
etail fund size managed amongst private unit trust companies and =
PRS providers in Malaysia. Source: The Edge-Lipper, 8 March 2021.=
<br />=0A			Copyright &copy; Public Mutual Berhad (197501001842 (=
23419-A)) ALL RIGHTS RESERVED.</h6>=0A			</td>=0A			<td height=3D=
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