Financial Planning Services

Retirement Planning

With the right retirement plan, you can just sit back and relax during your golden years. Start investing early as the younger you are, the more time you have to grow and accumulate your wealth. Not only that, you can also take advantage of the power of compounding by investing early and regularly.

Wondering how you can build your retirement fund?

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:


Employees Provident Fund (EPF)	Private Retirement Scheme (PRS)	Investments – unit trusts, shares	Savings in the bank	Property investments

How much savings do I need to maintain my current lifestyle after my retirement?

How do I boost my retirement savings?

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:

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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.


No cash required, you can transfer directly from EPF Account 1	Opportunity to diversify into global, regional and domestic funds	A wide range of EPF-qualified unit trust funds that you can choose from	Complimentary Insurance/Takaful coverage for selected funds

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.


Personal tax relief of up to RM3,000 (including tax relief for deferred annuity)	Money in PRS is protected from creditors^{^}	Free Personal Accident Insurance/Takaful coverage^{^^}	Flexibility in choosing the fund(s), contribution amount and interval^*

^{^} 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.

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What are the other aspects that I should look into while planning for my retirement?

How can I easily access my investments to fund my expenses during retirement?

How do I plan for my legacy?

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.

MUTUAL GOLD MUTUAL GOLD ELITE MUTUAL PLATINUM

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.

Get started

Are you ready to start your investment journey with us? Investing in Public Mutual is fairly easy. Just follow the simple steps stated below to start your investing journey with Public Mutual.

Step 1	Click here to enrol as New Investor
Step 2	Register for PMO
Step 3	Log in to PMO to start investing!
Step 4	You may also download the Pocket-PMO app to access your investment portfolio anytime, anywhere.

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 www.publicmutual.com.my. 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 www.publicmutual.com.my for our investment disclaimer.