Plan your dream work/life balance and save up to RM3,000* in tax relief
Secure your retirement and reduce taxes by investing in Private Retirement Scheme (PRS)! Get RM100* bonus when you invest in PRS via Versa. T&Cs apply. Learn More Here >
Get to know PRS
Private Retirement Scheme (PRS) is a voluntary investment scheme designed to help you accumulate savings for retirement. It is a great complement to your Employees Provident Fund (EPF)!
Begin your retirement journey with AHAM Capital's Private Retirement Scheme.
We aim to help you
Build your retirement fund, save on taxes
Let's find out how much tax savings you can save with your estimated annual taxable income!
Annual taxable income is the total of your annual income after deducting personal tax reliefs
ENTER YOUR ESTIMATED ANNUAL TAXABLE INCOME
RM
GET INCOME TAX SAVINGS OF
RM 0
If you invested RM 3,000 in PRS based on your 0% tax bracket. (Note that this can only be claimed on the following year when you file your income tax)
That’s
packs of nasi lemak!
Enjoy Income Tax Relief
Claim up to RM3,000 in income tax relief, growing your personal cash flow.
Expand Your Retirement Plan
Experience the flexibility of voluntary contributions and diversify your retirement income with ease.
Explore PRS Funds
Choose from an array of funds to meet your retirement needs, goals and risk appetite:
PRS Growth
Retirement fund focused on capital growth
Fund Type: Growth
Risk Rating: High
PRS Moderate
Retirement fund focused on income & capital growth
Fund Type: Income & Growth
Risk Rating: Moderate
PRS Conservative
Retirement fund focused on capital preservation
Fund Type: Income
Risk Rating: Low
PRS Growth-i
Shariah-compliant retirement fund focused on capital growth
Fund Type: Growth
Risk Rating: High
PRS Moderate-i
Shariah-compliant retirement fund focused on income & capital growth
Fund Type: Income & Growth
Risk Rating: Moderate
PRS Conservative‑i
Shariah-compliant retirement fund focused on capital preservation
Fund Type: Income
Risk Rating: Low
PRS Growth
Retirement fund focused on capital growth
Fund Type: Growth
Risk Rating: High
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
PRS Moderate
Retirement fund focused on income & capital growth
Fund Type: Income & Growth
Risk Rating: Moderate
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
PRS Conservative
Retirement fund focused on capital preservation
Fund Type: Income
Risk Rating: Low
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
PRS Growth-i
Shariah-compliant retirement fund focused on capital growth
Fund Type: Growth
Risk Rating: High
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
PRS Moderate-i
Shariah-compliant retirement fund focused on income & capital growth
Fund Type: Income & Growth
Risk Rating: Moderate
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
PRS Conservative-i
Shariah-compliant retirement fund focused on capital preservation
Fund Type: Income
Risk Rating: Low
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
Versa Moderate
Equities focused fund for higher potential returns
Fund Type: Growth
Risk Rating: High
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Earn higher returns than your traditional savings account from just RM10!
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Frequently Asked Questions
If you are a new Versa user interested in Private Retirement Scheme (PRS), you will have the option of investing in PRS during our onboarding process.
For existing users, you can begin onboarding by answering one question about your monthly household income. After that, approval will take approximately 5 days. Once approved, you can start investing in PRS and enjoy the benefits of our retirement scheme!
Yes, you may invest in multiple PRS funds at the same time.
Yes, under PRS, there are different rules regarding the cash outs of funds based on two separate accounts: Account A and Account B.
For Account A, cash outs can only be made upon reaching the retirement age specified by the PRS provider.
Whereas for Account B, you are allowed for one cash out per calendar year. However, if you are below 55 years old, this withdrawal from Account B is subjected to an 8% tax penalty, unless the purpose of the withdrawal is specifically for housing or health-related expenses.
The Versa platform does not charge any fees to their user. However, there are management fees, trustee fees and fund-level fees paid to the fund managers, which differs based on the portfolios.
Please refer to respective prospectus.
The minimum contribution limit for Private Retirement Scheme (PRS) in Malaysia is RM 100. As for the maximum contribution limit, there is generally no specific maximum limit set for PRS contributions per transaction. However, it is important to note that the maximum contribution amount may be subject to the limits imposed by FPX (Financial Process Exchange), which is RM 30,000.
You can track the performance of your PRS investment in our app’s fund overview dashboard.
