Proper retirement planning is essential to safeguard your preferred lifestyle during your golden years. For that, you should save and invest your money wisely to ensure you earn a return which is higher than the inflation rate. Here are some common sources of retirement funds:
This depends on your monthly expenses during your retirement years*:
The timeline below illustrates the monthly savings required to meet the target retirement fund for scenario 1 above:
i. 30 years to retirement
ii. Retirement period of 20 years
iii. Rate of Return is 8% and inflation is 3%
iv. Retirement expenses are withdrawn annually at the beginning of the year
To find out how much you need for your retirement, you may click on the retirement calculator here.
There are several ways in which you can boost your retirement savings.
A unit trust is an investment vehicle with the potential to help you accumulate wealth or build your retirement fund. It is easy, convenient and affordable. To that extent, Public Mutual offers a wide range of conventional and Shariah-based unit trust funds for you to choose from.
Invest to Expand Your Retirement Nest Egg
Public Mutual offers a variety of funds that seek capital growth, which you can take advantage of to grow your retirement savings.
Some of the funds that invest in countries or regions with long-term growth opportunities include:
Some of the funds that invest in sectors or themes with structural growth prospects include:
Optimise Your Retirement Savings via the Employees Provident Fund-Members Investment Scheme (EPF-MIS)
You can choose to diversify your retirement portfolio and enhance your retirement savings through EPF’s Members Investment Scheme. Under the EPF-MIS, you can transfer part of your funds in your EPF Account 1 for investments with Public Mutual.
Here’s how investing in the EPF-MIS can help you maximise your retirement savings.
On top of that, you can also tap into the growth potential of over 45 EPF-qualified funds that we offer.
Supplement your retirement savings via PRS
Private Retirement Scheme (PRS) is a voluntary long-term contribution scheme designed to accumulate savings for retirement that complements the mandatory contribution made to EPF. Here are some of the benefits that you get to enjoy when you contribute to PRS.
^ Money in PRS scheme is protected from creditors as stated in Section 139ZA of the Capital Markets and Services Act (CMSA).
^^ For Public Mutual PRS contributors only, subject to terms and conditions. Please refer to the Insurance/Takaful page for more information.
* The age group may be subject to changes as may be determined by the relevant authorities from time to time.
It is advisable to have the following insurance coverage for a worry-free retirement:
Planning ahead is always the best way to protect yourself against any possible financial strain. Public Mutual offers complimentary Term Life and Personal Accident Insurance/ Takaful coverage for its unitholders under selected unit trust funds. Besides that, there are also other optional insurance that may suit your needs.
For more information on this, please click here.
** Subject to terms and conditions.
Our Regular Withdrawal Plan (RWP) facility allows you to redeem units of your account at regular intervals to fund your expenses during your retirement years. This plan enables you to receive a more consistent payout to fund your expenses.
You may also subscribe to our online facility, Public Mutual Online (PMO) or Pocket-PMO for easy access to your investments. With these services, you can make investments or transaction requests from anywhere, anytime.
Estate planning is an important component in the financial planning process. Proper estate planning will ensure a smooth distribution of your assets to your loved ones according to your wishes. Hence, you should look into estate planning.
Meanwhile, you can also opt to add a joint holder to your single name unit trust account to smoothen the transfer of your investments when the need arises.
Realise your retirement dreams with Public Mutual!
There’s something for everyone at Public Mutual as the Company promotes various categories of funds, namely equity fund, mixed asset fund, balanced fund, bond/fixed income fund and money market fund, which cover different sectors, industries, and regions. There are more than 160 unit trust funds and 9 PRS funds that you can pick and choose according to your risk appetite.
Enjoy much more for your retirement!
As you save and invest for your retirement, you will be entitled to exclusive privileges when you invest with us and become our Mutual Gold, Mutual Gold Elite and Mutual Platinum members.
You may click the respective pages to view the membership benefits and privileges.
Your investment in our unit trust and PRS funds will be granted Mutual Gold Qualifying Points (MGQP) where you will be offered with privileges under the respective categories once you have accumulated the required amount of MGQP. Want to know more on how you can accumulate MGQP? Please click here.
Investors are advised to read and understand the contents of the relevant Prospectuses, Supplemental Prospectuses, Disclosure Documents and Product Highlights Sheet (PHS) before investing. Investors should understand the risks of the fund(s), compare and consider the fees, charges and costs involved in investing in the fund(s). A copy of the Prospectus, Supplemental Prospectus and PHS can be viewed at our website. Investors should make their own assessment of the merits and risks of the investment. If in doubt, investors should seek professional advice. Please refer to our website for our investment disclaimer.
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*In terms of total retail fund size managed amongst private unit trust companies and PRS providers in Malaysia.Copyright © Public Mutual Berhad (197501001842 (23419-A)) ALL RIGHTS RESERVED.