Public Mutual Unit Trust

Enjoy up to RM3,000 in tax relief1 when you build your retirement savings with our Private Retirement Scheme (PRS) funds!

Why choose our PRS funds?
  • Flexible & Affordable – You can decide the contribution amount based on your preference, starting from as little as RM100.
  • Professionally-managed – You can enjoy peace of mind, knowing that your funds are managed by professional fund managers with the support of experienced research analysts.
  • Monitor & Transact on the Go – You can invest and track your investments anywhere, anytime with Public Mutual Online (PMO) and/or PMO Plus.
  • Protected – Money in the PRS is protected from creditors2.
  • Free Personal Accident insurance / takaful coverage3.


1 Including tax relief for deferred annuity.
2 Money in the PRS is protected from creditors as stipulated in Section 139ZA of the Capital Markets and Services Act 2007.
3 Terms and conditions apply.


Contributors are advised to read and understand the contents of the Disclosure Document for Public Mutual Private Retirement Scheme – Conventional Series and the Disclosure Document for Public Mutual Private Retirement Scheme – Shariah-based Series dated 28 August 2023, First Supplemental Disclosure Document for Public Mutual Private Retirement Scheme – Conventional Series and First Supplemental Disclosure Document for Public Mutual Private Retirement Scheme – Shariah-based Series dated 27 September 2024, as well as the relevant fund’s Product Highlights Sheet (PHS) before contributing. Contributors should understand, compare and consider the risks, fees, charges and costs involved in contributing to the PRS fund(s). A copy of the Disclosure Document, First Supplemental Disclosure Document and PHS can be viewed at our website. Contributors should make their own assessment of the merits and risks of the contribution. If in doubt, contributors should seek professional advice. Please refer to www.publicmutual.com.my for our investment disclaimer.