{"id":3310,"date":"2013-01-08T10:34:43","date_gmt":"2013-01-08T02:34:43","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=3310"},"modified":"2015-04-03T10:30:59","modified_gmt":"2015-04-03T02:30:59","slug":"prs-part-2-private-retirement-schemes-terminology","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/prs-part-2-private-retirement-schemes-terminology","title":{"rendered":"PRS (Part 2): Private Retirement Schemes Terminology"},"content":{"rendered":"<div id=\"attachment_3862\" style=\"width: 410px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-3862\" class=\" wp-image-3862 \" alt=\"shutterstock_89452396\" src=\"\/articles\/wp-content\/uploads\/2013\/01\/shutterstock_89452396.jpg\" width=\"400\" height=\"267\" srcset=\"\/articles\/wp-content\/uploads\/2013\/01\/shutterstock_89452396.jpg 400w, \/articles\/wp-content\/uploads\/2013\/01\/shutterstock_89452396-300x200.jpg 300w, \/articles\/wp-content\/uploads\/2013\/01\/shutterstock_89452396-74x50.jpg 74w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><p id=\"caption-attachment-3862\" class=\"wp-caption-text\">Private Retirement Schemes help you to enjoy your retirement to the fullest<\/p><\/div>\n<p>Before we get to the nitty gritty of PRS, we thought we should start with introducing some terms you will come across frequently when PRS-shopping.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"PRS\"><\/span>PRS<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Private Retirement Schemes. Voluntary, private pension funds, similar to EPF.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"PRS-Provider\"><\/span>PRS Provider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Securities Commission (SC) approved fund providers. Typically, established investment banks. Currently there are only 8 approved providers:<\/p>\n<ul>\n<li>American International Assurance Bhd<\/li>\n<li>AmInvestment Management Sdn Bhd<\/li>\n<li>CIMB-Principal Asset Management Bhd<\/li>\n<li>Hwang Investment Management Berhad<\/li>\n<li>ING Funds Bhd<\/li>\n<li>Manulife Unit Trust Bhd<\/li>\n<li>Public Mutual Bhd<\/li>\n<li>RHB Investment Management Sdn Bhd<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"PRS-Consultant\"><\/span>PRS Consultant<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Individuals who are licensed to sell PRS products. These consultants need to:<\/p>\n<ul>\n<li>Be registered with FIMM (Federation of Investment Managers Malaysia)<\/li>\n<li>Have no adverse record<\/li>\n<li>Be at least 21 years old<\/li>\n<li>Have passed the PRS examination by FIMM<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"PPA\"><\/span>PPA<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Private Pension Administrator. Regulated by the SC, they primarily act as a record-keeping, resource and research centre for all things related to PRS. You can manage all of your PRS fund contributions with different providers through the PPA.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Trustee\"><\/span>Trustee<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An independent party that protects investors by ensuring the fund is operated according to its objectives and requirements. It also holds the assets that the fund invests in on behalf of the investors.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"SC\"><\/span>SC<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Securities Commission. SC is a regulatory body empowered by the law to supervise the PRS industry. They also regulate other investment related products and providers.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fund-Options-or-Fund-Plans\"><\/span>Fund Options or Fund Plans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investment options made available to you by the different providers. These options will differ according to how much risk you are willing to take on.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Unit-Price\"><\/span>Unit Price<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The unit price of a PRS fund is similar to the concept of a share price. Unit price is determined based on the worth of the fund, and can fluctuate from time to time. PRS units are priced daily.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Distribution\"><\/span>Distribution<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A term used to describe the <strong>income component<\/strong> of the investment. Distributions from your PRS is like dividends you receive from shares. As with dividends, distributions from PRS funds are not guaranteed.<\/p>\n<p>&nbsp;<\/p>\n<p>Ready to start earning money through PRS? Why not try other options that can save money for your retirement \u2013 compare\u00a0<a href=\"\/savings-account\">savings accounts<\/a>\u00a0and\u00a0<a href=\"\/fixed-deposit\">fixed deposits<\/a>\u00a0in Malaysia through iMoney!<\/p>\n<p><strong>Interested to know more? Take a look at the <a href=\"\/articles\/prs-the-big-picture\" target=\"_blank\">bigger picture<\/a> to understand how PRS works.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Before we get to the nitty gritty of PRS, we thought we should start with introducing some terms you will come across frequently when PRS-shopping. PRS Private Retirement Schemes. Voluntary, private pension funds, similar to EPF. PRS Provider Securities Commission (SC) approved fund providers. Typically, established investment banks. Currently there are only 8 approved providers:&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/prs-part-2-private-retirement-schemes-terminology\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":3325,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3310","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PRS (Part 2): Private Retirement Schemes Terminology<\/title>\n<meta name=\"description\" content=\"When investing in private retirement schemes (PRS), you may come across terms that you might not be familiar with. iMoney explains some of the common terms.\" \/>\n<meta name=\"robots\" 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