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Public Mutual Berhad
  • Invest Now
  • Our Products
    • Unit Trust
    • Shariah-based Unit Trust
    • e-Series Fund
    • EPF Investment
    • Private Retirement Scheme
    • Our Funds
  • Menu
    • Home
    • About Our Funds
    • Financial Planning Services
    • Exclusive Privileges
    • Promotion
    • Learning Hub
    • Announcement
    • Corporate
    • Join Us
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FINANCIAL PLANNING

Creating a comprehensive financial plan will help you better plan your money and achieve your financial goals. Explore the wide range of financial planning products and services that we offer to achieve your dream lifestyle.
  • Retirement
  • Education
  • Specific Financial Goals
  • Insurance & Estate Planning
  • Regular Investing
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?

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:





*Assumptions:

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 Retirement expenses are withdrawn annually at the beginning of the year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.

How do I boost my retirement savings?

There are several ways in which you can boost your retirement savings.

Unit trust is an effective investment tool to accumulate wealth or to 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.





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Optimise Your Retirement Savings via 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 EPF-MIS, you can transfer part of your funds in your Account 1 for investments with Public Mutual.

Here’s how investing in 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?

It is advisable to have the following insurance coverage for a worry-free retirement:



Term Life Hospitalisation & Surgical Critical Illness Personal Accident

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.

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

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.

How do I plan for my legacy?

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.

Estate Planning Will/ Wasiat Writing

A will is a legal document that clearly states your wishes for the distribution of all your assets upon your demise. Wasiat, on the other hand, is for Muslim unitholders to distribute their assets to Faraid and non-Faraid beneficiaries, if any.

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.

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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.

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*In terms of total retail fund size managed amongst private unit trust companies and PRS providers in Malaysia.
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