{"id":37143,"date":"2023-03-20T11:38:07","date_gmt":"2023-03-20T03:38:07","guid":{"rendered":"https:\/\/valueinmind.co\/?p=37143"},"modified":"2023-11-03T17:01:57","modified_gmt":"2023-11-03T09:01:57","slug":"what-is-private-retirement-scheme-prs","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/what-is-private-retirement-scheme-prs\/","title":{"rendered":"\u4ec0\u9ebc\u662fPRS\u79c1\u4eba\u9000\u4f11\u8a08\u756b? \u548cEPF\u6709\u4ec0\u9ebc\u4e0d\u540c\uff1fPRS\u503c\u5f97\u6295\u8cc7\u55ce\uff1f"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"37143\" class=\"elementor elementor-37143\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bfb1083 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bfb1083\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d5cb20f\" data-id=\"d5cb20f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c14460 elementor-widget elementor-widget-text-editor\" data-id=\"3c14460\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) 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style=\"font-weight: 400;\">\u300a2012\u5e74\u6700\u4f4e\u9000\u4f11\u5e74\u9f61\u6cd5\u300b<\/span><\/a><span style=\"font-weight: 400;\">\u898f\u5b9a\uff0c\u79c1\u4eba\u4f01\u696d\u54e1\u5de5\u7684\u6700\u4f4e\u6cd5\u5b9a\u9000\u4f11\u5e74\u9f61\u70ba60\u6b72\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6839\u64da\u50f1\u54e1\u5de5\u7a4d\u91d1\u5c40\uff08EPF\/KWSP\uff09\u7684\u7814\u7a76\uff0c\u5982\u679c\u60f3\u5728\u5409\u9686\u5761\u9019\u5ea7\u6d88\u8cbb\u6c34\u5e73\u504f\u9ad8\u7684\u57ce\u5e02\u904e\u4e0a\u8863\u98df\u7121\u6182\u7684\u9000\u4f11\u751f\u6d3b\uff0c\u9700\u8981\u81f3\u5c11RM60,000\u7684\u516c\u7a4d\u91d1\u5b58\u6b3e\u4f86\u652f\u649020\u5e74\u7684\u751f\u6d3b\uff0c<\/span><span style=\"font-weight: 400;\">\u7136\u800c\uff0c<\/span><a href=\"https:\/\/www.enanyang.my\/%E8%B4%A2%E7%BB%8F%E6%96%B0%E9%97%BB\/55%E5%B2%81%E4%BB%A5%E4%B8%8B%E5%85%AC%E7%A7%AF%E9%87%91%E4%BC%9A%E5%91%98-%E4%BB%8526%E6%8B%A560%E4%B8%87%E9%80%80%E4%BC%91%E5%82%A8%E8%93%84\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u4e00\u9805\u8abf\u67e5\u986f\u793a<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u5927\u99ac97%\u768455\u6b72\u4ee5\u4e0b\u7684\u6703\u54e1\u5b58\u6b3e\u90fd\u4e0d\u9054\u6a19\uff0c\u50c52.6%\u7684\u4eba\u80fd\u5920\u5728\u5927\u57ce\u5e02\u8212\u9069\u5730\u990a\u8001\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u56e0\u6b64\uff0c\u70ba\u4e86\u9f13\u52f5\u570b\u4eba\u5132\u84c4\u4ee5\u61c9\u5c0d\u9000\u4f11\u751f\u6d3b\uff0c\u653f\u5e9c\u63a8\u51fa\u4e86\u79c1\u4eba\u9000\u4f11\u8a08\u5283\uff08Private Retirement Scheme\uff0cPRS\uff09\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u90a3\u9ebc\uff0c\u6211\u5011\u9700\u8981\u6e96\u5099\u591a\u5c11\u9322\u4f86\u652f\u6301\u9000\u4f11\u751f\u6d3b\uff1f\u653f\u5e9c\u63a8\u51fa\u7684\u9019\u500b\u9000\u4f11\u8a08\u5283\u771f\u7684\u80fd\u5920\u5e6b\u52a9\u6211\u5011\u63d0\u61c9\u5c0d\u9000\u4f11\u751f\u6d3b\u55ce\uff1f<\/span><\/p><p><span style=\"font-weight: 400;\">\u672c\u6587\u5c07\u548c\u5927\u5bb6\u63a2\u8a0e\uff1a<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-edea642 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"edea642\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f2687fb\" data-id=\"f2687fb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ac6bb8 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"4ac6bb8\" data-element_type=\"widget\" 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.elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}ol.elementor-toc__list-wrapper{counter-reset:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\t\u76ee\u9304\t\t\t<\/h4>\n\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__4ac6bb8\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__4ac6bb8\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t<div id=\"elementor-toc__4ac6bb8\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-001b098 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"001b098\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9f2880c\" data-id=\"9f2880c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-26133e4 elementor-widget elementor-widget-heading\" data-id=\"26133e4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">\u4ec0\u9ebc\u662fPRS\uff1f\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-137ae53 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"137ae53\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-16720f5\" data-id=\"16720f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c37de56 elementor-widget elementor-widget-text-editor\" data-id=\"c37de56\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u70ba\u4e86\u8b93\u570b\u6c11\u5728\u9000\u4f11\u5f8c\u80fd\u904e\u4e0a\u66f4\u512a\u8cea\u7684\u751f\u6d3b\uff0c\u99ac\u4f86\u897f\u4e9e\u653f\u5e9c\u65bc2012\u5e74\u63a8\u51fa\u4e86\u79c1\u4eba\u9000\u4f11\u8a08\u5283 Private Retirement Scheme (PRS)\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u9019\u662f\u4e00\u9805<\/span><b>\u81ea\u9858\u6027\u9577\u671f\u5132\u84c4\u8a08\u5283<\/b><span style=\"font-weight: 400;\">\uff0c\u7531\u99ac\u4f86\u897f\u4e9e\u79c1\u4eba\u9000\u4f11\u91d1\u7ba1\u7406\u5c40\uff08Private Pension 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400;\">\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0cPRS\u4e0d\u662f\u516c\u7a4d\u91d1\uff08EPF\/KWSP\uff09\u7684\u66ff\u4ee3\u54c1\u3002 PRS\u662f\u516c\u7a4d\u91d1\u7684\u88dc\u5145\uff0c\u70ba\u500b\u4eba\u63d0\u4f9b\u53e6\u4e00\u9805\u66f4\u70ba<\/span><b>\u5f48\u6027<\/b><span style=\"font-weight: 400;\">\u4e14\u53ef\u9760\u7684\u9000\u4f11\u5132\u84c4\u9078\u64c7\uff0c\u800c\u4e0d\u662f\u50c5\u4f9d\u8cf4\u65bc\u516c\u7a4d\u91d1\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u70ba\u4e86\u6eff\u8db3\u500b\u4eba\u4e0d\u540c\u7684\u9000\u4f11\u9700\u6c42\u548c\u98a8\u96aa\u504f\u597d\uff0cPRS\u65d7\u4e0b\u64c1\u6709\u4e00\u7cfb\u5217\u57fa\u91d1\u4f9b\u500b\u4eba\u81ea\u4e3b\u9078\u64c7\u3002\u9019\u4e9b\u57fa\u91d1\u5305\u62ec\u6295\u8cc7\u76ee\u6a19\u3001\u6536\u76ca\u98a8\u96aa\u3001\u8cbb\u7528\u7b49\u65b9\u9762\u90fd\u6709\u6240\u4e0d\u540c\uff0c\u500b\u4eba\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u60c5\u6cc1\u505a\u51fa\u6700\u4f73\u7684\u9078\u64c7\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u7e3d\u4e4b\uff0cPRS\u7684\u6210\u7acb\u4e0d\u50c5\u6709\u52a9\u65bc\u570b\u6c11\u70ba\u9000\u4f11\u751f\u6d3b\u7a4d\u7d2f\u984d\u5916\u5132\u84c4\uff0c\u9084\u6709\u5229\u65bc\u99ac\u4f86\u897f\u4e9e\u5be6\u73fe\u7d93\u6fdf\u8f49\u578b\u8a08\u5283\u4e0b\u7684\u7b2c\u516d\u5165\u53e3\u9ede\u8a08\u5283 (EPP 6)\uff0c\u69cb\u5efa\u5065\u5168\u53ef\u6301\u7e8c\u767c\u5c55\u7684\u793e\u6703\u6846\u67b6\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-182d3d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"182d3d7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f6b38f1\" data-id=\"f6b38f1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19dacd6 elementor-widget elementor-widget-heading\" data-id=\"19dacd6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PRS\u548cEPF\u7684\u5dee\u5225<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-092d474 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"092d474\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f6e41a\" data-id=\"6f6e41a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b1cbc7 elementor-widget elementor-widget-text-editor\" data-id=\"6b1cbc7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u7576\u8ac7\u5230\u9000\u4f11\u5132\u84c4\u8a08\u5283\u6642\uff0c\u5927\u5bb6\u6700\u5e38\u807d\u5230\u516c\u7a4d\u91d1\uff08EPF\uff09\u548c\u79c1\u4eba\u9000\u4f11\u8a08\u5283\uff08PRS\uff09\uff0c\u90a3\u9ebc\u5b83\u5011\u6709\u4ec0\u9ebc\u4e0d\u4e00\u6a23\u5462\uff1f<\/span><\/p><p><span style=\"font-weight: 400;\">\u5176\u5be6\uff0cPRS\u548cEPF\u4e00\u6a23\u662f\u70ba\u4e86\u570b\u6c11\u7684\u9000\u4f11\u91d1\u670d\u52d9\uff0c\u90fd\u662f\u70ba\u4e86\u5e6b\u570b\u6c11\u9000\u4f11\u990a\u8001\u7684\u3002\u56e0\u6b64\uff0c\u5728\u63d0\u6b3e\u65b9\u9762\uff0c\u5169\u8005\u7686\u9700\u5728\u6703\u54e1\u5e74\u6eff55\u6b72\u5f8c\u65b9\u53ef\u63d0\u6b3e\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">PRS\u7684\u5132\u84c4\u6236\u53e3\u548cEPF\u4e00\u6a23\uff0c\u4ee57\uff1a3\u7684\u5b58\u6b3e\u6bd4\u4f8b\u5206\u70ba\u7b2c\u4e00\u6236\u53e3\u548c\u7b2c\u4e8c\u6236\u53e3\uff0c\u4e26\u4e14\u63d0\u4f9b\u56de\u6559\u5132\u84c4\uff08Shariah Compliant\uff09\u9078\u64c7\u3002\u82e5\u572855\u6b72\u9000\u4f11\u524d<\/span><a href=\"https:\/\/www.ppa.my\/prs-and-you\/prs-faq\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u63d0\u6b3e<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u548cEPF\u4e00\u6a23\uff0c\u4e00\u822c\u53ea\u80fd\u5f9e\u7b2c\u4e8c\u6236\u53e3\uff08Sub Account B\uff09\u63d0\u53d6\uff0c\u79fb\u6c11\u5247\u9664\u5916\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u7136\u800c\uff0cPRS\u548cEPF\u7562\u7adf\u5c6c\u65bc\u4e0d\u540c\u7684\u8a08\u5283\uff0c\u7ba1\u7406\u65b9\u4e5f\u6709\u6240\u4e0d\u540c\uff0c\u5728\u904b\u71df\u3001\u56de\u5831\u53ca\u6536\u5165\u65b9\u9762\u6709\u6240\u51fa\u5165\u3002\u4e0b\u8868\u5c07\u70ba\u5927\u5bb6\u89e3\u6790\u4e8c\u8005\u4e4b\u9593\u7684\u4e0d\u540c\uff0c\u5e6b\u52a9\u5927\u5bb6\u66f4\u597d\u5730\u4e86\u89e3PRS\u548cEPF\u8a08\u5283\u54ea\u500b\u66f4\u503c\u5f97\u6295\u8cc7\u3002<\/span><\/p><table><tbody><tr><td><p><b>\u79c1\u4eba\u9000\u4f11\u8a08\u5283 PRS<\/b><\/p><\/td><td>\u00a0<\/td><td><p><b>\u516c\u7a4d\u91d1 EPF\/KWSP<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u99ac\u4f86\u897f\u4e9e\u79c1\u4eba\u9000\u4f11\u91d1\u7ba1\u7406\u5c40\uff08Private Pension Administrator\uff09<\/span><\/p><\/td><td><p><b>\u76e3\u7ba1<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u5167\u9678\u7a05\u6536\u5c40\uff08Lembaga Hasil Dalam Negeri\uff09<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u79c1\u4eba\u57fa\u91d1\u7ba1\u7406\u516c\u53f8<\/span><\/p><\/td><td><p><b>\u7d93\u71df<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u653f\u5e9c<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u81ea\u9858\u6027<\/span><\/p><\/td><td><p><b>\u53c3\u8207\u8a08\u5283<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u5f37\u5236\u6027\uff08\u81ea\u50f1\u4eba\u58eb\u53ca\u52a0\u5165\u81ea\u9858\u7e73\u7d0d\u516c\u7a4d\u91d1\u8a08\u5283\u4eba\u70ba\u81ea\u9858\u6027\u53c3\u8207\uff09<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u521d\u6b21\u5728PRS\u958b\u6236\u8005\u6700\u4f4e\u6295\u91d1\u984d\u70baRM100\uff0c\u6295\u8cc7\u91d1\u984d\u7121\u4e0a\u9650\uff0c\u7121\u9700\u6bcf\u6708\u4f9b\u6b3e\uff0c\u4f9d\u64da\u500b\u4eba\u80fd\u529b\u5b58\u6b3e\u5373\u53ef<\/span><\/p><\/td><td><p><b>\u57fa\u91d1\u4f9b\u6b3e<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u50f1\u54e1\u9700<\/span><a href=\"https:\/\/www.kwsp.gov.my\/member\/overview#:~:text=When%20you%20contribute%2011%25%20of,government)%20to%20your%20EPF%20savings.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u6bcf\u6708\u5f9e\u85aa\u6c34\u4e2d<\/span><\/a><span style=\"font-weight: 400;\">\u5283\u51fa11%\u7e73\u7d0d\uff0c13%\u7531\u96c7\u4e3b\u7e73\u7d0d\uff1b\u85aa\u6c34RM5,000\u4ee5\u4e0a\u8005\u5247\u7531\u96c7\u4e3b\u627f\u64d412%<\/span><\/p><br \/><p><a href=\"https:\/\/www.chinapress.com.my\/20230224\/%E2%97%A42023%E6%9C%80%E6%96%B0%E8%B4%A2%E6%A1%88%E2%97%A2-%E8%87%AA%E6%84%BF%E7%BC%B4%E5%85%AC%E7%A7%AF%E9%87%91%E9%99%90%E9%A2%9D-%E6%AF%8F%E5%B9%B46%E4%B8%87%E5%A2%9E%E8%87%B310%E4%B8%87\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u81ea\u9858\u7e73\u7d0d\u516c\u7a4d\u91d1<\/span><\/a><span style=\"font-weight: 400;\">\u8005\u5247\u7121\u4f9b\u6b3e\u671f\u9650\uff0c\u7121\u9700\u6bcf\u6708\u4f9b\u6b3e\uff0c\u7136\u800c\uff0c\u6700\u4f4e\u5132\u84c4\u70baRM10\uff0c\u6700\u9ad8\u4e00\u5e74\u4e0d\u80fd\u8d85\u904eRM100,000\u3002<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u591a\u5143\u5316\u9078\u64c7\uff0c\u53ef\u4f9d\u64da\u500b\u4eba\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u9078\u64c7<\/span><\/p><\/td><td><p><b>\u6295\u8cc7\u9078\u64c7<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u7121<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u4e0d\u4fdd\u8b49\u6700\u4f4e\u8ff4\u916c\uff0c\u5404\u57fa\u91d1\u56de\u916c\u7686\u4e0d\u540c<\/span><\/p><\/td><td><p><b>\u56de\u916c<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u5e73\u57475%-6%<\/span><\/p><p><span style=\"font-weight: 400;\">\u4fdd\u8b49<\/span><a href=\"https:\/\/www.kwsp.gov.my\/en\/about-epf\/news-highlights\/references\/epf-act-1991\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u6700\u4f4e\u8ff4\u916c<\/span><\/a><span style=\"font-weight: 400;\">2.5%<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u92b7\u552e\u8cbb\u7528\u6700\u9ad8\u70ba3%\uff1b\u5e74\u5ea6\u7ba1\u7406\u8cbb\u6700\u9ad8\u70ba1.8%\uff0c\u8a73\u60c5\u8acb\u53c3\u7167\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u5b98\u7db2<\/span><\/p><\/td><td><p><b>\u8cbb\u7528<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u7121<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u9ad8\u9054 RM3,000<\/span><\/p><\/td><td><p><b>\u6240\u5f97\u7a05\u6e1b\u514d<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u9ad8\u9054 RM4,000<\/span><\/p><\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-560ff38 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"560ff38\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6756244\" data-id=\"6756244\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-edee1ea elementor-widget elementor-widget-text-editor\" data-id=\"edee1ea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>\u63a8\u85a6\u95b2\u8b80\uff1a<a href=\"https:\/\/valueinmind.co\/zh\/should-you-put-your-savings-in-epf\/\">\u4ec0\u9ebc\u662fEPF\uff1f\u628a\u9322\u5b58\u5728EPF\u4f5c\u9000\u4f11\u91d1\u503c\u5f97\u55ce\uff1fEPF\u5229\u606f\u7a69\u5b9a\u55ce\uff1f<\/a><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0ba63ac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ba63ac\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ea4866e\" data-id=\"ea4866e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fab1eb3 elementor-widget elementor-widget-heading\" data-id=\"fab1eb3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PRS\u56de\u916c<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a9c127 elementor-widget elementor-widget-text-editor\" data-id=\"1a9c127\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u4f5c\u70ba\u6295\u8cc7\u8005\uff0c\u6211\u5011\u6700\u95dc\u5fc3\u7684\u7576\u7136\u662f\u6295\u8cc7\u56de\u5831\uff0c\u56e0\u70ba\u6295\u8cc7\u56de\u5831\u7387\u5c0d\u6211\u5011\u7684\u8ca1\u5bcc\u589e\u9577\u548c\u5be6\u73fe\u8ca1\u52d9\u76ee\u6a19\u81f3\u95dc\u91cd\u8981\u3002\u56e0\u6b64\uff0c\u5728\u9078\u64c7\u6295\u8cc7\u5de5\u5177\u6642\uff0c\u6211\u5011\u901a\u5e38\u6703\u512a\u5148\u8003\u616e\u9810\u671f\u6536\u76ca\u7387\uff0c\u4e26\u5c0d\u6295\u8cc7\u7d44\u5408\u9032\u884c\u4ed4\u7d30\u7684\u5206\u6790\u548c\u6bd4\u8f03\uff0c\u4ee5\u78ba\u4fdd\u7372\u5f97\u6700\u4f73\u7684\u6295\u8cc7\u56de\u5831\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u800cPRS\u4e3b\u8981\u7531<\/span><a href=\"https:\/\/www.ppa.my\/prs-providers\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">9\u5bb6\u57fa\u91d1\u7ba1\u7406\u516c\u53f8<\/span><\/a><span style=\"font-weight: 400;\">\u63d0\u4f9b\uff0c\u5206\u5225\u662f\uff1a<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AHAM \u8cc7\u672c\u8cc7\u7522\u7ba1\u7406<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AIA \u990a\u8001\u91d1\u548c\u8cc7\u7522\u7ba1\u7406\u79c1\u4eba\u6709\u9650\u516c\u53f8\u3002\u6709\u9650\u516c\u53f8\u3002<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AmFunds Management Berhad<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u8c50\u9686\u8cc7\u7522\u7ba1\u7406\u6709\u9650\u516c\u53f8<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u80af\u7d0d\u683c\u6295\u8cc7\u6709\u9650\u516c\u53f8<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5b8f\u5229\u6295\u8cc7\u7ba1\u7406\uff08\u99ac\uff09\u6709\u9650\u516c\u53f8<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4fe1\u5b89\u8cc7\u7522\u7ba1\u7406\u6709\u9650\u516c\u53f8<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5927\u773e\u4fe1\u8a17\u57fa\u91d1<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">RHB \u8cc7\u7522\u7ba1\u7406\u79c1\u4eba\u6709\u9650\u516c\u53f8\u6709\u9650\u516c\u53f8\u3002<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">\u7531\u65bc\u8003\u616e\u5230\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u7684\u6578\u91cf\u548c\u57fa\u91d1\u7a2e\u985e\u7684\u591a\u6a23\u6027\uff0cPRS\u7684\u56de\u5831\u8868\u73fe\u4e5f\u56e0\u6b64\u5404\u4e0d\u76f8\u540c\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u70ba\u4e86\u78ba\u4fdd\u7372\u5f97\u6700\u4f73\u7684\u6295\u8cc7\u56de\u5831\uff0c\u6211\u5011\u901a\u5e38\u9700\u8981\u4ed4\u7d30\u5206\u6790\u548c\u6bd4\u8f03\u6295\u8cc7\u7d44\u5408\uff0c\u540c\u6642\u6ce8\u610f\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u7684\u8868\u73fe\u548c\u57fa\u91d1\u7a2e\u985e\u7684\u9078\u64c7\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u70ba\u4e86\u65b9\u4fbf\u5927\u5bb6\u7406\u89e3\uff0c\u4e0b\u9762\u7684\u622a\u5716\u986f\u793a\u4e86\u622a\u81f32023\u5e744\u6708<\/span><a href=\"https:\/\/www.ppa.my\/prs-funds-information\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u8868\u73fe\u6700\u597d\u76848\u500b\u57fa\u91d1<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u6db5\u84cb\u4e86\u904e\u53bb5\u5e74\u548c1\u5e74\u7684\u8868\u73fe\u3002\u82e5\u60f3\u8981\u4e86\u89e3\u6240\u6709\u57fa\u91d1\u7684\u8868\u73fe\uff0c\u53ef\u9ede\u64ca<\/span><a href=\"https:\/\/www.ppa.my\/wp-content\/uploads\/2023\/05\/All-PRS-Fund.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u9019\u88e1<\/span><\/a><span style=\"font-weight: 400;\">\u67e5\u770b\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">PRS\u57fa\u91d1<\/span><b>\u904e\u53bb5\u5e74<\/b><span style=\"font-weight: 400;\">\u56de\u5831\uff1a<\/span><\/p><table><tbody><tr><td><p><b>PRS\u57fa\u91d1<\/b><\/p><\/td><td><p><b>\u985e\u5225<\/b><\/p><\/td><td><p><b>2018\u5e745\u6708-2023\u5e744\u6708\u56de\u5831\uff08%\uff09<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Public Mutual PRS Equity\u00a0<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Non-Core Conventional<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">4.33<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Public Mutual PRS Conservative<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Core Conservative<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">4.24<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">RHB Retirement Series-Islamic Balance<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Non-Core Shariah<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">3.98<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">AmPRS-Islamic Balanced D<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Non-Core Shariah<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">3.96<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Manulife Shariah PRS-Moderate A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Core Moderate Shariah<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">3.83<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Manulife Shariah PRS-Growth A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Core Growth Shariah<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">3.79<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">AmPRS-Islamic Equity D<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Non-Core Shariah<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">3.75<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Public Mutual PRS Islamic Growth<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Core Growth Shariah<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">3.54<\/span><\/p><\/td><\/tr><\/tbody><\/table><p><span style=\"font-weight: 400;\">PRS\u57fa\u91d1<\/span><b>\u904e\u53bb1\u5e74<\/b><span style=\"font-weight: 400;\">\u56de\u5831\uff1a<\/span><\/p><table><tbody><tr><td><p><b>PRS\u57fa\u91d1<\/b><\/p><\/td><td><p><b>\u985e\u5225<\/b><\/p><\/td><td><p><b>2022\u5e745\u6708-2023\u5e744\u6708\u56de\u5831\uff08%\uff09<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">AmPRS-Dynamic Sukuk D<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Non-Core Shariah<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">4.46<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">AIA PAM-Conservative Fund<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Core Conservative<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">2.79<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Kenanga Shariah OnePRS Conservative<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Core Conservative Shariah<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">2.58<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Public Mutual PRS Conservative<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Core Conservative<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">2.39<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">AmPRS-Conservative D<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Core Conservative<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">2.32<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Principal Islamic PRS Plus Conservative A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Non-Core Shariah<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">2.12<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Principal PRS Plus Conservative A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Non-Core Conventional<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">2.02<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Public Mutual PRS Islamic Conservative<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Core Conservative Shariah<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">1.84<\/span><\/p><\/td><\/tr><\/tbody><\/table><p><span style=\"font-weight: 400;\">\u7d9c\u5408\u4f86\u770b\uff0c\u91dd\u5c0d\u904e\u53bb5\u5e74\u548c1\u5e74\u7684\u8868\u73fe\uff0cPRS\u7684\u6700\u9ad8\u56de\u5831\u7387\u5206\u5225\u70ba4.33%\u548c4.46%\uff0c\u76f8\u6bd4\u4e4b\u4e0bEPF\u7684\u6b77\u5e74\u56de\u916c\u4e00\u76f4\u7a69\u5b9a\u57285%-6%\u4e4b\u9593\uff0cPRS\u7684\u8868\u73fe\u5247\u905c\u8272\u4e0d\u5c11\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u7531\u65bcPRS\u5404\u57fa\u91d1\u56de\u916c\u8fe5\u7570\uff0c\u800c\u4e14\u6bcf\u5e74\u8868\u73fe\u6700\u597d\u7684\u57fa\u91d1\u4e26\u4e0d\u56fa\u5b9a\uff0c\u56e0\u6b64\u9700\u8981\u6295\u8cc7\u8005\u9700\u8981\u9032\u884c\u66f4\u591a\u7684\u7814\u7a76\u548c\u5206\u6790\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6295\u8cc7\u8005\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u9700\u6c42\u548c\u98a8\u96aa\u627f\u53d7\u80fd\u529b\uff0c\u9078\u64c7\u5728<\/span><b>\u4e00\u5bb6\u6216\u591a\u5bb6\u7684PRS\u57fa\u91d1\u7ba1\u7406\u516c\u53f8<\/b><span style=\"font-weight: 400;\">\u9032\u884c\u6295\u8cc7\u3002\u6bcf\u500b\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u65d7\u4e0b\u4e5f\u6709\u591a\u500bPRS\u57fa\u91d1\uff0c\u6295\u8cc7\u8005\u4e5f\u53ef\u4ee5\u9078\u64c7\u5728\u5728<\/span><b>\u540c\u4e00\u5bb6\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u4e0b\uff0c\u6295\u8cc7\u516c\u53f8\u65d7\u4e0b\u4e00\u500b\u6216\u591a\u500b\u57fa\u91d1<\/b><span style=\"font-weight: 400;\">\u4ee5\u9054\u5230\u66f4\u597d\u7684\u6295\u8cc7\u98a8\u96aa\u5206\u6563\u548c\u6536\u76ca\u589e\u9577\u7684\u6548\u679c\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u4e0d\u540c\u7684\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u548c\u57fa\u91d1\u7522\u54c1\u4e4b\u9593\u7684\u7ba1\u7406\u8cbb\u7528\u3001\u92b7\u552e\u8cbb\u7528\u3001\u6295\u8cc7\u9650\u5236\u7b49\u65b9\u9762\u4e5f\u6709\u6240\u4e0d\u540c\uff0c\u6295\u8cc7\u8005\u9700\u8981\u5c0d\u5404\u500b\u65b9\u9762\u9032\u884c\u5145\u5206\u4e86\u89e3\u548c\u6bd4\u8f03\uff0c\u4ee5\u9078\u64c7\u6700\u9069\u5408\u81ea\u5df1\u7684PRS\u57fa\u91d1\u6295\u8cc7\u65b9\u6848\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cd9ca9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cd9ca9d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1529d2d\" data-id=\"1529d2d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1352fca elementor-widget elementor-widget-heading\" data-id=\"1352fca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PRS\u6838\u5fc3\u57fa\u91d1<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4e4c0cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4e4c0cd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ba41c58\" data-id=\"ba41c58\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f3f808 elementor-widget elementor-widget-text-editor\" data-id=\"7f3f808\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u4e0a\u6587\u8aaa\u5230PRS\u63d0\u4f9b\u4e86\u591a\u7a2e\u4e0d\u540c\u985e\u578b\u7684\u57fa\u91d1\u9078\u64c7\uff0c\u9019\u5c31\u8b93\u6211\u5011\u611f\u5230\u56f0\u60d1\u548c\u4e0d\u77e5\u6240\u63aa\u3002\u5c0d\u65bc\u7f3a\u4e4f\u6295\u8cc7\u7d93\u9a57\u7684\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u8a72\u5982\u4f55\u9032\u884c\u57fa\u91d1\u9078\u64c7\u5462\uff1f<\/span><\/p><p><span style=\"font-weight: 400;\">\u5225\u64d4\u5fc3\uff0cPRS\u63d0\u4f9b\u4e86\u4e00\u500b\u6295\u8cc7\u5c0f\u767d\u4e5f\u80fd\u8f15\u9b06\u638c\u63e1\u7684\u8d85\u7d1a\u7c21\u55ae\u65b9\u6848\uff0c\u90a3\u5c31\u662f\u4f9d\u64da\u5ba2\u6236\u5e74\u9f61\u70ba\u5176\u63d0\u4f9b\u5408\u9069\u7684<\/span><a href=\"https:\/\/www.ppa.my\/prs-and-you\/structure-of-prs\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u9810\u8a2d\u6838\u5fc3\u57fa\u91d1\uff08Core Fund\uff09\u9078\u9805<\/span><\/a><span style=\"font-weight: 400;\">\u3002\u7c21\u55ae\u4f86\u8aaa\uff0c\u5982\u679c\u6211\u5011\u4e0d\u61c2\u5f97\u9078\u57fa\u91d1\uff0c\u90a3\u9ebc\u5c31\u5728\u52a0\u5165PRS\u6642\u76f4\u63a5\u9078\u64c7\u9810\u8a2d\u9078\u9805\uff0cPRS\u9810\u8a2d\u9078\u9805\u7684\u6838\u5fc3\u57fa\u91d1\u5c07\u81ea\u52d5\u63d0\u4f9b\u4e00\u652c\u5b50\u57fa\u790e\u8cc7\u7522\u985e\u5225\u7684\u7d44\u5408\u3002\u91dd\u5c0d\u6211\u5011\u7684\u9078\u64c7\u63d0\u4f9b\u589e\u9577\u3001\u9069\u5ea6\u548c\u4fdd\u5b88\u7684\u98a8\u96aa\u548c\u56de\u5831\uff0c\u4ee5\u4fbf\u7b26\u5408\u6bcf\u500b\u5e74\u9f61\u968e\u6bb5\u7684\u9700\u6c42\uff0c\u4f7f\u9000\u4f11\u5132\u84c4\u6295\u8cc7\u8b8a\u5f97\u7c21\u55ae\u3002<\/span><\/p><table><tbody><tr><td><p><b>\u6838\u5fc3\u57fa\u91d1Core Fund<\/b><\/p><\/td><td><p><b>\u5e74\u9f61<\/b><\/p><\/td><td><p><b>\u7279\u9ede<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u6210\u9577\u578b\u57fa\u91d1Growth Fund<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">45\u6b72\u4ee5\u4e0b<\/span><\/p><\/td><td><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6ce8\u91cd\u6295\u8cc7\u7d44\u5408\u7684\u6700\u5927\u5316\u532f\u5831\u53ca\u7a69\u5b9a\u589e\u9577<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5c0b\u6c42\u8d85\u904e\u901a\u8ca8\u81a8\u8139\u7387\u7684\u56de\u5831\uff08\u6db5\u84cb\u57fa\u91d1\u7684\u6240\u6709\u8cbb\u7528\u548c\u958b\u652f\u5f8c\uff09<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u9ad8\u98a8\u96aa<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4e3b\u8981\u6295\u8cc7\u65bc\u5c0b\u6c42\u589e\u9577\u7684\u8cc7\u7522:<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">\u81f3\u5c1170%\u7684\u57fa\u91d1\u8cc7\u7522\u6de8\u503c\u6295\u8cc7\u65bc\u80a1\u7968\uff1b\u6700\u591a30%\u7684\u57fa\u91d1\u8cc7\u7522\u6de8\u503c\u53ef\u6295\u8cc7\u65bc\u56fa\u5b9a\u6536\u76ca\/\u8ca8\u5e63\u5e02\u5834\/\u50b5\u5238\u3002<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u7a69\u5b9a\u578b\u57fa\u91d1Moderate Fund<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">45-54\u6b72<\/span><\/p><\/td><td><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5728\u98a8\u96aa\u548c\u6536\u76ca\u4e4b\u9593\u63a1\u53d6\u5e73\u8861<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4e2d\u7b49\u98a8\u96aa<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">40%\u81f360%\u7684\u57fa\u91d1\u8cc7\u7522\u6de8\u503c\u6295\u8cc7\u65bc\u80a1\u7968\uff0c\u5176\u9918\u6295\u8cc7\u65bc\u56fa\u5b9a\u6536\u76ca\/\u8ca8\u5e63\u5e02\u5834\/\u50b5\u5238<\/span><\/li><\/ul><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u4fdd\u5b88\u578b\u57fa\u91d1Conservative Fund<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">55\u6b72\u53ca\u4ee5\u4e0a<\/span><\/p><\/td><td><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u672c\u91d1\u4fdd\u503c\u53ca\u7a69\u5b9a\u6536\u76ca<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4f4e\u98a8\u96aa<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4e3b\u8981\u6295\u8cc7\u65bc\u5275\u9020\u6536\u5165\u7684\u8cc7\u7522\uff1a60%-80%\u7684\u8cc7\u7522\u6de8\u503c\u6295\u8cc7\u65bc\u56fa\u5b9a\u6536\u76ca\u8b49\u5238\uff0c\u81f3\u5c1120%\u7684\u8cc7\u7522\u6de8\u503c\u6295\u8cc7\u65bc\u8ca8\u5e63\u5e02\u5834<\/span><\/li><\/ul><\/td><\/tr><\/tbody><\/table><p><span style=\"font-weight: 400;\">\u9019\u88e1\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u6bcf\u5230\u4e00\u500b\u5e74\u9f61\u968e\u6bb5\uff0cPRS\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u5c07\u81ea\u52d5\u5207\u63db\u6838\u5fc3\u57fa\u91d1\uff08Auto Glide Path\uff09\u3002\u8209\u500b\u4f8b\u5b50\uff0c\u5982\u679c\u4f60\u572845\u6b72\u6642\u52a0\u5165PRS\u8a08\u5283\uff0c\u4e26\u4e14\u9078\u64c7\u4e86\u7a69\u5b9a\u578b\u57fa\u91d1Moderate Fund\uff0c\u90a3\u9ebc\u572855\u6b72\u6642\uff0cPRS\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u5c07\u6703\u5e6b\u4f60\u8f49\u79fb\u5230\u4fdd\u5b88\u578b\u57fa\u91d1Conservative Fund\u3002\u5728\u66f4\u63db\u57fa\u91d1\u524d\u4e00\u500b\u6708\uff0cPRS\u6703\u5411\u4f60\u767c\u51fa\u901a\u77e5\u3002\u9019\u4e00\u81ea\u52d5\u5316\u7684\u6295\u8cc7\u7b56\u7565\u53ef\u4ee5\u5e6b\u52a9\u6295\u8cc7\u8005\u66f4\u597d\u5730\u7ba1\u7406\u548c\u898f\u5283\u9000\u4f11\u5132\u84c4\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u5982\u679c\u4e00\u500bPRS\u6703\u54e1\u76ee\u524d\u5728\u9ed8\u8a8d\u9078\u9805\u4e0b\u64c1\u6709200,000\u500b\u7a69\u5b9a\u578b\u57fa\u91d1Moderate Fund\u55ae\u4f4d\uff0c\u9019\u4e9b\u55ae\u4f4d\u5c07\u57285\u5e74\u5167\u88ab\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u6309\u4e00\u5b9a\u6bd4\u4f8b\u8d16\u56de\u3002 5\u5e74\u4e4b\u5f8c\uff0c\u8a72\u6703\u54e1\u7684\u5132\u84c4\u5c07\u5168\u90e8\u8f49\u70ba\u4fdd\u5b88\u6027\u57fa\u91d1Conservative Fund\u3002<\/span><\/p><table><tbody><tr><td><p><b>\u5e74\u4efd<\/b><\/p><\/td><td><p><b>\u64c1\u6709\u7684\u7a69\u5b9a\u578b\u57fa\u91d1\u55ae\u4f4d<\/b><\/p><\/td><td><p><b>\u6703\u54e1\u5728\u4e0b\u500b\u9031\u671f\u524d\u524d\u8d16\u56de\u7684\u55ae\u4f4d<\/b><\/p><\/td><td><p><b>PRS\u5728\u5468\u671f\u524d\u8d16\u56de\u4e26\u7528\u65bc\u4fdd\u5b88\u578b\u57fa\u91d1\u7684\u55ae\u4f4d<\/b><\/p><\/td><td><p><b>\u7a69\u5b9a\u578b\u57fa\u91d1\u5269\u9918\u55ae\u4f4d<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u7b2c\u4e00\u5e74<\/span><\/p><p><span style=\"font-weight: 400;\">\uff08\u8f49\u63db\u57fa\u91d1\u7684\u65e5\u671f\uff09<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">200,000<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">&#8211;<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">-40,000<\/span><\/p><p><span style=\"font-weight: 400;\">(200,000\/5)<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">160,000<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u7b2c\u4e8c\u5e74<\/span><\/p><p><span style=\"font-weight: 400;\">\uff08\u7b2c\u4e00\u5468\u671f\uff09<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">160,000<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">&#8211;<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">-40,000<\/span><\/p><p><span style=\"font-weight: 400;\">(160,000\/4)<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">120,000<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u7b2c\u4e09\u5e74<\/span><\/p><p><span style=\"font-weight: 400;\">\uff08\u7b2c\u4e8c\u9031\u671f\uff09<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">120,000<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">-30,000<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">-30,000<\/span><\/p><p><span style=\"font-weight: 400;\">(90,000\/3)<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">60,000<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u7b2c\u56db\u5e74<\/span><\/p><p><span style=\"font-weight: 400;\">\uff08\u7b2c\u4e09\u9031\u671f\uff09<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">60,000<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">-20,000<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">-20,000<\/span><\/p><p><span style=\"font-weight: 400;\">(40,000\/2)<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20,000<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u7b2c\u4e94\u5e74<\/span><\/p><p><span style=\"font-weight: 400;\">\uff08\u7b2c\u56db\u5468\u671f\uff09<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20,000<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">&#8211;<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">-20,000<\/span><\/p><p><span style=\"font-weight: 400;\">(20,000\/1)<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">0<\/span><\/p><\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-120b827 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"120b827\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f4d7ce0\" data-id=\"f4d7ce0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a3fd2c elementor-widget elementor-widget-heading\" data-id=\"2a3fd2c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u6295\u8cc7PRS\u7684\u597d\u8655<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1c0efb0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1c0efb0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-42fdabd\" data-id=\"42fdabd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a1db86 elementor-widget elementor-widget-heading\" data-id=\"4a1db86\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.\u6295\u8cc7\u9580\u6abb\u4f4e\u4e14\u5b58\u6b3e\u5f48\u6027\u9ad8\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d3ad2b0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d3ad2b0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ae40b2\" data-id=\"5ae40b2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e973bed elementor-widget elementor-widget-text-editor\" data-id=\"e973bed\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">PRS\u7684\u6295\u8cc7\u9580\u6abb\u975e\u5e38\u4f4e\uff0c\u9019\u5c0d\u65bc\u90a3\u4e9b\u60f3\u8981\u958b\u59cb\u7a4d\u7d2f\u9000\u4f11\u91d1\u4f46\u6c92\u6709\u5927\u91cf\u9592\u9322\u7684\u4eba\u4f86\u8aaa\u662f\u4e00\u500b\u4e0d\u932f\u7684\u9078\u64c7\u3002\u56e0\u70ba\u9996\u6b21\u6295\u8cc7\u91d1\u984d\u6700\u4f4e\u53ea\u9700\u8981RM100\uff0c\u63a5\u4e0b\u4f86\u82e5\u662f\u60f3\u8981\u8ffd\u52a0\u6295\u8cc7\uff0c\u6700\u4f4e\u50c5\u9700RM50\uff0c\u800c\u4e14\u6295\u8cc7\u8cc7\u91d1\u6c92\u6709\u4e0a\u9650\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6b64\u5916\uff0c\u8207\u5176\u4ed6\u9000\u4f11\u5132\u84c4\u8a08\u5283\u4e0d\u540c\uff0cPRS\u4e0d\u9700\u8981\u5b9a\u671f\u7e73\u9322\u5b58\u6b3e\u3002\u9019\u610f\u5473\u8457\u5982\u679c\u6211\u5011\u5728\u67d0\u4e00\u5e74\u8ca1\u52d9\u72c0\u6cc1\u4e0d\u4f73\uff0c\u6c92\u6709\u591a\u9918\u7684\u9322\u53ef\u7528\u65bc\u6295\u8cc7\uff0c\u90a3\u9ebc\u4e0b\u4e00\u5e74\u518d\u9032\u884c\u7e73\u6b3e\u4e5f\u662f\u88abPRS\u63a5\u53d7\u7684\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-005bc6e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"005bc6e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e13d5cf\" data-id=\"e13d5cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f65284 elementor-widget elementor-widget-heading\" data-id=\"9f65284\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.\u591a\u5143\u5316\u6295\u8cc7\u9078\u64c7\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e7ce2b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e7ce2b1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b2e0254\" data-id=\"b2e0254\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-332d5e9 elementor-widget elementor-widget-text-editor\" data-id=\"332d5e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">PRS\u63d0\u4f9b\u4e86\u591a\u7a2e\u4e0d\u540c\u985e\u578b\u7684\u57fa\u91d1\uff0c\u8b93\u6295\u8cc7\u8005\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u6295\u8cc7\u76ee\u6a19\u548c\u98a8\u96aa\u627f\u53d7\u5ea6\u9078\u64c7\u9069\u5408\u81ea\u5df1\u7684\u6295\u8cc7\u7d44\u5408\u3002\u9019\u4e9b\u57fa\u91d1\u6db5\u84cb\u4e0d\u540c\u7684\u5730\u5340\u3001\u884c\u696d\u3001\u8cc7\u7522\u985e\u5225\u548c\u6295\u8cc7\u7b56\u7565\uff0c\u5f9e\u800c\u70ba\u6295\u8cc7\u8005\u63d0\u4f9b\u591a\u5143\u5316\u7684\u6295\u8cc7\u9078\u64c7\u3002\u9019\u7a2e\u591a\u5143\u5316\u6295\u8cc7\u7b56\u7565\u53ef\u4ee5\u964d\u4f4e\u98a8\u96aa\u4e26\u63d0\u9ad8\u9577\u671f\u56de\u5831\uff0c\u5e6b\u52a9\u6295\u8cc7\u8005\u66f4\u597d\u5730\u61c9\u5c0d\u5e02\u5834\u6ce2\u52d5\u548c\u901a\u8ca8\u81a8\u8139\u7b49\u56e0\u7d20\u7684\u5f71\u97ff\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d056e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d056e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd513aa\" data-id=\"fd513aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-211e5b1 elementor-widget elementor-widget-heading\" data-id=\"211e5b1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3.\u5c0d\u6295\u8cc7\u65b0\u624b\u53cb\u597d\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-322a411 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"322a411\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bc77fa2\" data-id=\"bc77fa2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15146b7 elementor-widget elementor-widget-text-editor\" data-id=\"15146b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u5c0d\u65bc\u6c92\u6709\u91d1\u878d\u77e5\u8b58\uff0c\u6216\u6c92\u6642\u9593\u5bc6\u5207\u95dc\u6ce8\u57fa\u91d1\u8868\u73fe\u7684\u6295\u8cc7\u8005\u4f86\u8aaa\uff0cPRS\u63d0\u4f9b\u7684\u9810\u8a2d\u9078\u9805\u6838\u5fc3\u57fa\u91d1\u64cd\u4f5c\u975e\u5e38\u7c21\u55ae\uff0c\u56e0\u70baPRS\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u4fc2\u7d71\u6703\u81ea\u52d5\u6309\u7167\u5e74\u9f61\u63d0\u4f9b\u5408\u9069\u7684\u57fa\u91d1\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6578ebe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6578ebe\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cd42305\" data-id=\"cd42305\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f612923 elementor-widget elementor-widget-heading\" data-id=\"f612923\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4.\u7a05\u6536\u512a\u60e0\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50a377a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50a377a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-177fdc6\" data-id=\"177fdc6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e2a1919 elementor-widget elementor-widget-text-editor\" data-id=\"e2a1919\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u70ba\u9f13\u52f5\u570b\u4eba\u91cd\u8996\u9000\u4f11\u751f\u6d3b\uff0c\u4fdd\u8b49\u793e\u6703\u7684\u53ef\u6301\u7e8c\u6027\u767c\u5c55\uff0c\u653f\u5e9c\u5c0d\u51e1\u662f\u52a0\u5165PRS\u79c1\u4eba\u9000\u4f11\u8a08\u5283\u7684\u6703\u54e1\u6e1b\u514d\u7a05\u6536\uff08Tax Relief\uff09\u9ad8\u9054RM3,000\u3002\u800c\u9019\u9805\u6e1b\u514d\u63aa\u65bd\u671f\u9650\u5ef6\u9577\u81f32025\u8ab2\u7a05\u5e74\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u5047\u8a2d\u5c0fA\u7684\u5e74\u6536\u5165\u662fRM60,000\uff0c\u500b\u4eba\u6240\u5f97\u7a05\u7a05\u7387\u4fbf\u662f11%\u3002\u4ed6\u5728\u4eca\u5e74\u628aRM3,000\u5b58\u9032PRS\u8cec\u6236\uff1a<\/span><\/p><p><b><i>RM3,000 x 11%=RM330<\/i><\/b><\/p><p><span style=\"font-weight: 400;\">\u5c07\u53ef\u7701\u4e0bRM330\u7684\u7a05\u91d1\uff0c5\u5e74\u5c31\u7701\u4e0bRM1650\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6b64\u5916\uff0c\u6295\u8cc7\u65bcPRS\u7372\u5f97\u7684\u6536\u76ca\u4e5f\u5168\u9762\u514d\u7a05\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-992b127 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"992b127\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d249fe6\" data-id=\"d249fe6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c6051e elementor-widget elementor-widget-text-editor\" data-id=\"5c6051e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>\u63a8\u85a6\u95b2\u8b80\uff1a<a href=\"https:\/\/valueinmind.co\/zh\/2023-malaysia-income-tax-newest-rate-and-tax-relief\/\">\u30102023\u5831\u7a05\u3011\u99ac\u4f86\u897f\u4e9e\u6700\u65b0\u6263\u7a05,\u7a05\u7387\u548c\u5e38\u898b\u554f\u984c\uff01\u6253\u5de5\u65cf\u5fc5\u770b<\/a><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b721602 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b721602\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32984f8\" data-id=\"32984f8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-daa354a elementor-widget elementor-widget-heading\" data-id=\"daa354a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5.\u5b89\u5168<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9c21301 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9c21301\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c24605\" data-id=\"9c24605\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c8751d3 elementor-widget elementor-widget-text-editor\" data-id=\"c8751d3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">PRS\u662f\u7531<\/span><a href=\"https:\/\/www.ppa.my\/cn\/prs-and-you\/regulatory-framework\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">5\u5927\u91cd\u9ede\u55ae\u4f4d<\/span><\/a><span style=\"font-weight: 400;\">\u8ca0\u8cac\uff0c<\/span><span style=\"font-weight: 400;\">\u5305\u62ec\u99ac\u4f86\u897f\u4e9e\u8b49\u5238\u59d4\u54e1\u6703\uff08SC\uff09\u57282007\u5e74\u8cc7\u672c\u5e02\u5834\u53ca\u670d\u52d9\u6cd5\u4ee4\uff08CMSA\uff09\u7684\u76e3\u7ba1\u4e0b\u9032\u884c\u898f\u7bc4\u3002\u9019\u7a2e\u56b4\u683c\u7684\u6cd5\u898f\u74b0\u5883\u78ba\u4fdd\u4e86PRS\u7684\u5408\u6cd5\u6027\u548c\u900f\u660e\u5ea6\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u99ac\u4f86\u897f\u4e9e\u79c1\u4eba\u9000\u4f11\u91d1\u7ba1\u7406\u5c40\u662fPRS\u8a08\u5283\u7684\u4e2d\u592e\u7ba1\u7406\u6a5f\u69cb\uff0c\u8ca0\u8cac\u7ba1\u7406\u548c\u4ea4\u6613\u4e2d\u592e\u8cec\u6236\uff0c\u4e26\u70ba\u6c11\u773e\u63d0\u4f9b\u4e00\u7ad9\u5f0f\u8cc7\u6e90\u4e2d\u5fc3\uff0c\u4ee5\u63d0\u9ad8\u4eba\u6c11\u5c0d\u65bcPRS\u7684\u8a8d\u77e5\u3001\u4fc3\u9032\u79c1\u4eba\u9000\u4f11\u91d1\u884c\u696d\u7684\u767c\u5c55\u548c\u4fdd\u969c\u6703\u54e1\u5229\u76ca\u70ba\u4e3b<\/span><span style=\"font-weight: 400;\">\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u5728\u7d93\u71df\u65b9\u9762\uff0c<\/span><span style=\"font-weight: 400;\">\u70ba\u4e86\u78ba\u4fdd\u57fa\u91d1\u7ba1\u7406\u7684\u516c\u6b63\u6027\u548c\u900f\u660e\u5ea6\uff0cPRS\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u3001\u4fe1\u8a17\u6a5f\u69cb\u548c\u57fa\u91d1\u9867\u554f\u4e4b\u9593\u76f8\u4e92\u5236\u8861\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u4e3b\u8981\u8ca0\u8cac\u8a18\u9304\u6240\u6709\u4ea4\u6613\u8cc7\u6599\uff0c\u63d0\u4f9b\u8ca1\u52d9\u5831\u544a\u3002\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u9700\u8207\u4fe1\u8a17\u6a5f\u69cb\u914d\u5408\uff0c\u5728\u672a\u7d93\u5141\u8a31\u7684\u60c5\u6cc1\u4e0b\u4e0d\u9032\u884c\u4efb\u4f55\u5229\u76ca\u885d\u7a81\u4e0a\u6216\u80fd\u5f9e\u4e2d\u7372\u5229\u7684\u6295\u8cc7\uff0c\u4fdd\u6301\u56b4\u683c\u7684\u5c08\u696d\u64cd\u5b88\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u4fe1\u8a17\u6a5f\u69cb\u626e\u5247\u626e\u6f14\u8005\u5be9\u8a08\u7684\u89d2\u8272\uff0c\u78ba\u4fdd\u4ea4\u6613\u53ca\u8cec\u6236\u7684\u6e96\u78ba\u6027\uff0c\u5408\u7406\u7684\u5b9a\u50f9\u8207\u8a55\u4f30\uff0c\u4ee5\u907f\u514d\u640d\u5931\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u5b83\u9084\u9700\u8981\u76e3\u7763\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u9075\u5b88\u6cd5\u898f\uff0c\u7dad\u8b77\u57fa\u91d1\u7684\u516c\u5e73\u8207\u5ba2\u89c0\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u4e0d\u4f46\u5982\u6b64\uff0c\u8981\u64d4\u4efbPRS\u7d93\u92b7\u5546\u9700\u7372\u5f972007 \u5e74\u8cc7\u672c\u5e02\u5834\u548c\u670d\u52d9\u6cd5\u4ee4\u7684\u6388\u6b0a\u4ee5\u8655\u7406 PRS \u4e8b\u52d9\u3002 PRS \u57fa\u91d1\u9867\u554f\u5247\u9700\u7d93\u904e\u99ac\u4f86\u897f\u4e9e\u6295\u8cc7\u7d93\u7406\u806f\u5408\u6703 \uff08Federation of Investment Managers Malaysia, FIMM\uff09 \u8a3b\u518a\u8a8d\u8b49\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u56e0\u6b64\uff0c\u5728\u91cd\u91cd\u76e3\u7ba1\u4e4b\u4e0b\uff0cPRS\u7684\u5b89\u5168\u6027\u6536\u5230\u4e86\u4fdd\u969c\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b19fd5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b19fd5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3cf93cf\" data-id=\"3cf93cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7228b11 elementor-widget elementor-widget-heading\" data-id=\"7228b11\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u6295\u8cc7PRS\u7684\u58de\u8655\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a6f4be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a6f4be\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ae781a5\" data-id=\"ae781a5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a06f8ea elementor-widget elementor-widget-heading\" data-id=\"a06f8ea\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.\u7121\u6700\u4f4e\u6295\u8cc7\u56de\u5831\u64d4\u4fdd<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-082ef8e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"082ef8e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7171b94\" data-id=\"7171b94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65be716 elementor-widget elementor-widget-text-editor\" data-id=\"65be716\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u57fa\u65bcPRS\u662f\u81ea\u9858\u6027\u5132\u84c4\u6027\u8cea\uff0c\u653f\u5e9c\u4e26\u4e0d\u6703\u5c0d\u79c1\u4eba\u9000\u4f11\u8a08\u5283\u505a\u4efb\u4f55\u64d4\u4fdd\u3002\u56e0\u6b64\uff0cPRS\u8207EPF\u4e0d\u540c\uff0c\u4e26\u6c92\u6709\u6700\u4f4e2.5%\u7684\u6700\u4f4e\u8ff4\u916c\u4fdd\u8b49\uff0c\u6295\u8cc7\u8005\u9700\u81ea\u8ca0\u76c8\u8667\u3002\u4e00\u65e6\u6295\u8cc7\u5931\u5229\uff0c\u6295\u8cc7\u8005\u4e0d\u50c5\u7121\u6cd5\u7372\u5f97\u56de\u916c\uff0c\u672c\u91d1\u4e5f\u5c07\u53ef\u80fd\u53d7\u5230\u5f71\u97ff\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-247c244 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"247c244\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9ed2edb\" data-id=\"9ed2edb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-90502bf elementor-widget elementor-widget-heading\" data-id=\"90502bf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.\u56de\u5831\u8f03\u4f4e\uff0c\u7121\u6cd5\u61c9\u5c0d\u901a\u8ca8\u81a8\u8139<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5068ff3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5068ff3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53d966b\" data-id=\"53d966b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47013f2 elementor-widget elementor-widget-text-editor\" data-id=\"47013f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u64da\u524d\u6587\u6240\u8ff0\uff0cPRS\u7684\u6536\u76ca\uff0c\u5728\u904e\u53bb5\u5e74\u6700\u9ad8\u50c5\u67094.38%\uff0c\u904e\u53bb1\u5e74\u50c5\u67092.58% \u3002\u5c0d\u6bd4\u99ac\u4f86\u897f\u4e9e\u73fe\u4eca4%-5%\u7684\u901a\u8139\u7387\uff0cPRS\u7684\u5229\u606f\u986f\u7136\u4f4e\u65bc\u901a\u8ca8\u81a8\u8139\uff0c\u7121\u6cd5\u5e6b\u52a9\u6703\u54e1\u63d0\u9ad8\u5132\u84c4\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u7576\u7136\uff0cEPF\u7684\u6536\u76ca\u7387\u4e26\u975e\u56fa\u5b9a\u4e0d\u8b8a\uff0c\u6703\u53d7\u5230\u591a\u7a2e\u56e0\u7d20\u7684\u5f71\u97ff\uff0c\u5982\u5e02\u5834\u60c5\u6cc1\u3001\u7d93\u6fdf\u74b0\u5883\u3001\u653f\u7b56\u8b8a\u5316\u7b49\u3002\u56e0\u6b64\uff0c\u5118\u7ba1EPF\u5728\u904e\u53bb\u768422\u5e74\u4e2d\u8868\u73fe\u826f\u597d\uff0c\u4f46\u672a\u4f86\u7684\u8868\u73fe\u4ecd\u9700\u8981\u5bc6\u5207\u95dc\u6ce8\u548c\u8a55\u4f30\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-22acad0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22acad0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f171e26\" data-id=\"f171e26\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-00bb669 elementor-widget elementor-widget-heading\" data-id=\"00bb669\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3.\u81ea\u4e3b\u6295\u8cc7\u8005\uff1aPRS\u6295\u8cc7\u56de\u5831\u5fa9\u96dc<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3518055 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3518055\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b40a603\" data-id=\"b40a603\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f38ee74 elementor-widget elementor-widget-text-editor\" data-id=\"f38ee74\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u9078\u64c7\u5728\u79c1\u4eba\u9000\u4f11\u8a08\u5283\u4e2d\u9032\u884c\u81ea\u4e3b\u6295\u8cc7\uff0c\u800c\u975e\u9078\u64c7\u9810\u8a2d\u7684\u6838\u5fc3\u57fa\u91d1\uff0c\u90a3\u9ebc\u4f60\u53ef\u80fd\u6703\u50be\u5411\u65bc\u6839\u64da\u500b\u4eba\u7684\u6295\u8cc7\u77e5\u8b58\u9078\u64c7\u6295\u8cc7\u7d44\u5408\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u5728\u5176\u4ed6\u57fa\u91d1\uff0c\u6211\u5011\u53ef\u4ee5\u8f15\u6613\u5730\u8ffd\u6eaf\u6b77\u53f2\u56de\u5831\u4fe1\u606f\u4ee5\u5224\u65b7\u8a72\u57fa\u91d1\u7684\u767c\u5c55\u6f5b\u529b\u662f\u5426\u503c\u5f97\u8cfc\u8cb7\u3002\u4f46\u662f\uff0c\u7531\u65bcPRS\u6709\u8a31\u591a\u4e0d\u540c\u7684\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u548c\u8868\u73fe\u4e0d\u540c\u7684\u57fa\u91d1\uff0c\u6bcf\u5e7e\u5e74\u8868\u73fe\u6700\u597d\u7684\u57fa\u91d1\u6703\u8f2a\u756a\u66f4\u63db\uff0c\u56e0\u6b64\u5f88\u96e3\u8f15\u9b06\u638c\u63e1\uff0c\u9700\u8981\u8017\u8cbb\u5927\u91cf\u7684\u6642\u9593\u548c\u7cbe\u529b\u9032\u884c\u7814\u7a76\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2378dba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2378dba\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9a89a52\" data-id=\"9a89a52\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-366c458 elementor-widget elementor-widget-heading\" data-id=\"366c458\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4.PRS\u7684\u8cbb\u7528<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-166f0f1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"166f0f1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-24c6b73\" data-id=\"24c6b73\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4fda4b9 elementor-widget elementor-widget-text-editor\" data-id=\"4fda4b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u81ea2021\u5e74\u958b\u59cb\uff0c\u7dda\u4e0a\u958b\u6236PRS\u79c1\u4eba\u9000\u4f11\u8a08\u5283\u662f\u514d\u8cbb\u7684\u3002\u7136\u800c\uff0c\u7576\u4f60\u6e96\u5099\u8cfc\u8cb7\u57fa\u91d1\u6642\u5c07\u88ab\u5fb5\u65363\u7a2e\u8cbb\u7528\uff1a<\/span><\/p><table><tbody><tr><td><p><b>\u8cbb\u7528<\/b><\/p><\/td><td><p><b>\u6578\u984d<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u92b7\u552e\u8cbb Sales Charge<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u6700\u9ad83%\uff0c\u7136\u800c\u5c0d\u65bc30\u6b72\u4ee5\u4e0b\u7dda\u4e0a\u958b\u6236PRS\u8005\u5247\u53ef\u4eab\u67090%\u92b7\u552e\u8cbb<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u7ba1\u7406\u8cbb Management Fee<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u6700\u9ad81.8%<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u4ea4\u6613\u8cbb\u7528 Transaction Fee<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u7528\u65bc\uff1a<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer Fee\u66f4\u63db\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\uff0c\u5f9e\u516c\u53f8A\u8f49\u5230\u516c\u53f8B\uff0c\u6536\u8cbb\u5927\u7d04\u70baRM25<\/span><\/li><\/ul><br \/><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Switching Fee\u66f4\u63db\u57fa\u91d1\uff0c\u5f9eFund A\u8f49\u5230Fund B\uff0c\u9ad8\u90543%\u7684\u8f49\u63db\u91d1\u984d\uff0c\u4e5f\u53ef\u80fd\u4e0d\u6536\u8cbb\u4f46\u9700\u7b26\u5408\u689d\u898f<\/span><\/li><\/ul><\/td><\/tr><\/tbody><\/table><p><span style=\"font-weight: 400;\">\u7531\u65bc\u6bcf\u5bb6\u57fa\u91d1\u7ba1\u7406\u6536\u8cbb\u4e0d\u540c\uff0c\u8a73\u60c5\u53ef\u9ede\u64ca<\/span><a href=\"https:\/\/www.ppa.my\/fees-comparison\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u8cbb\u7528\u6bd4\u8f03<\/span><\/a><span style=\"font-weight: 400;\">\u6216\u66f4\u8a73\u7d30\u7684<\/span><a href=\"https:\/\/www.ppa.my\/wp-content\/uploads\/2023\/02\/PRS-Fund-Fees-Table.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u57fa\u91d1\u8cbb\u7528<\/span><\/a><span style=\"font-weight: 400;\">\u67e5\u770b\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-516691f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"516691f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-44224fe\" data-id=\"44224fe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b4ea64b elementor-widget elementor-widget-heading\" data-id=\"b4ea64b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5.\u53d6\u6b3e\u9650\u5236<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7adca07 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7adca07\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-43f66bc\" data-id=\"43f66bc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b32354f elementor-widget elementor-widget-text-editor\" data-id=\"b32354f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">PRS\u4e3b\u8981\u5b97\u65e8\u5c31\u662f\u70ba\u4e86\u9000\u4f11\u505a\u6e96\u5099\uff0c\u56e0\u6b64\u5728\u53d6\u6b3e\u65b9\u9762\u6709\u8af8\u591a\u9650\u5236\uff0c\u4ee5\u907f\u514d\u6295\u8cc7\u8005\u96a8\u610f\u63d0\u6b3e\uff0c\u9810\u652f\u672a\u4f86\u6536\u5165\u3002\u5b83\u8207\u516c\u7a4d\u91d1\u9700\u572855\u6b72\u9000\u4f11\u5f8c\u63d0\u6b3e\u7684\u8981\u6c42\u5225\u7121\u4e8c\u81f4\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u7136\u800c\uff0cPRS\u548cEPF\u4e0d\u4e00\u6a23\u7684\u662f\uff0cEPF\u4e00\u65e6\u7533\u8acb\u901a\u904e\u4fbf\u80fd\u63d0\u6b3e\uff0c\u7121\u6b21\u6578\u9650\u5236\uff0c\u4e14\u4e0d\u6703\u88ab\u5fb5\u4efb\u4f55\u61f2\u7f70\u6027\u7a05\u6536\uff0c\u63d0\u6b3e\u7528\u9014\u7bc4\u570d\u56ca\u62ec\uff1a\u8cb7\u623f\u3001\u6cbb\u7642\u56b4\u91cd\u75be\u75c5\u3001\u5b69\u5b50\u6559\u80b2\u8cbb\u7528\u53ca\u671d\u8056\u7528\u9014\u3002\u800cPRS\u5247<\/span><b>\u4e00\u5e74\u53ea\u80fd\u63d0\u6b3e\u4e00\u6b21<\/b><span style=\"font-weight: 400;\">\uff0c\u63d0\u6b3e\u7528\u9014\u50c5\u9650\u65bc\u4e0b\u8868\u6240\u5217\uff0c\u4f9d\u64da\u63d0\u6b3e\u76ee\u7684\u7684\u4e0d\u540c\u6709\u53ef\u80fd\u9700\u7e73\u7d0d<\/span><b>8%\u61f2\u7f70\u6027\u7a05\u6536<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/p><table><tbody><tr><td><p><b>\u9000\u4f11\u524d\u63d0\u6b3e\u7528\u9014<\/b><\/p><\/td><td><p><b>\u8cec\u6236<\/b><\/p><\/td><td><p><b>\u63d0\u6b3e<\/b><\/p><\/td><td><p><b>8%\u61f2\u7f70\u6027\u7a05\u6536<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u4e00\u822c\u7528\u9014<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u4e59<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u90e8\u5206\u6216\u5168\u6b3e<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u2714\ufe0f<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u6c38\u4e45\u96e2\u5883\uff08\u79fb\u6c11\uff09<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">A&amp;B<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u5168\u6b3e<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u274c<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u623f\u5c4b<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u4e59<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u90e8\u5206\u6216\u5168\u6b3e<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u274c<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">\u91ab\u7642\u5065\u5eb7<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u4e59<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u90e8\u5206\u6216\u5168\u6b3e<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u274c<\/span><\/p><\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4d1ac78 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d1ac78\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a405c86\" data-id=\"a405c86\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab7c1c3 elementor-widget elementor-widget-heading\" data-id=\"ab7c1c3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u8ab0\u80fd\u6295\u8cc7PRS\uff1f\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c46e52f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c46e52f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32bf7dc\" data-id=\"32bf7dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f515b3 elementor-widget elementor-widget-text-editor\" data-id=\"7f515b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u606d\u559c\u4f60\u95b1\u8b80\u5230\u9019\u88e1\u3002\u5728\u4e86\u89e3\u4e86PRS\u8207EPF\u7684\u5dee\u5225\u3001\u56de\u916c\u3001\u6838\u5fc3\u57fa\u91d1\u53ca\u512a\u7f3a\u9ede\u5f8c\uff0c\u5982\u679c\u4f60\u4e0b\u5b9a\u6c7a\u5fc3\u60f3\u8981\u5728PRS\u958b\u6236\u9700\u8981\u7b26\u5408\u4ec0\u9ebc\u689d\u4ef6\uff1f<\/span><\/p><p><span style=\"font-weight: 400;\">\u51e1\u5e74\u9f61\u9054\u523018\u6b72\u7684\u5927\u99ac\u516c\u6c11\u6216\u5916\u7c4d\u4eba\u58eb\uff0c\u7121\u8ad6\u662f\u50f1\u54e1\u9084\u662f\u81ea\u50f1\u4eba\u58eb\u7686\u53ef\u7533\u8acb\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u96c7\u4e3b\u4e5f\u80fd\u70ba\u54e1\u5de5\u958b\u8a2dPRS\u8cec\u6236\u4f46\u4e26\u975e\u5f37\u5236\u6027\u3002\u70ba\u54e1\u5de5\u958b\u6236\u7684\u5be6\u9ad4\u516c\u53f8\u53ef\u4eab\u6709\u9ad8\u65bc\u6cd5\u5b9a\u516c\u7a4d\u91d1\u7e73\u7d0d\u984d\u7684\u7a05\u52d9\u6e1b\u514d\uff0c\u5373\u4f9b\u6b3e\u768419%\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u4f8b\uff1aABC\u516c\u53f8\u5728\u4eca\u5e74\u70ba\u54e1\u5de5\u4ea4\u4e8612%\u7684\u50f1\u54e1\u516c\u7a4d\u91d1\u4ee5\u53ca7%PRS\u57fa\u91d1\uff0c\u671f\u9593\u50f1\u54e1\u85aa\u916c\u7e3d\u984d\u70baRM300,000\u3002\u6839\u64da<\/span><a href=\"https:\/\/phl.hasil.gov.my\/pdf\/pdfam\/Act_53.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u300a1967\u6240\u5f97\u7a05\u6cd5\u300b\u7b2c34(4)\u689d\u6b3e<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u5141\u8a31\u516c\u53f8\u6263\u9664\u7684\u8cbb\u7528\u70baRM57,000\uff08RM300,000&#215;19%\uff09\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72b9010 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72b9010\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ee941a2\" data-id=\"ee941a2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-955e6df elementor-widget elementor-widget-heading\" data-id=\"955e6df\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u5982\u4f55\u6295\u8cc7PRS\uff1f<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-04791c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04791c7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-99f7c86\" data-id=\"99f7c86\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f304ab elementor-widget elementor-widget-heading\" data-id=\"3f304ab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.\u806f\u7e6bPRS\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u6216PRS\u57fa\u91d1\u9867\u554f<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8918104 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8918104\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-40cf46b\" data-id=\"40cf46b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-841732c elementor-widget elementor-widget-text-editor\" data-id=\"841732c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u6295\u8cc7\u8005\u53ef\u700f\u89bd<\/span><a href=\"https:\/\/www.ppa.my\/prs-providers\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">PRS\u5b98\u7db2<\/span><\/a><span style=\"font-weight: 400;\">\u4ee5\u7372\u53d69\u5bb6\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u7684\u806f\u7e6b\u65b9\u5f0f\u3002\u7136\u800c\uff0c\u7dda\u4e0b\u958b\u6236\u5c07\u53ef\u80fd\u88ab\u5fb5\u65360.5%\u5230\u6700\u9ad83%\u7684\u92b7\u552e\u8cbb\uff0c\u6027\u50f9\u6bd4\u4e0d\u5982\u7dda\u4e0a\u958b\u6236\u3002\u4f46\u5982\u679c\u60f3\u8981\u4e86\u89e3PRS\u57fa\u91d1\u5411\u57fa\u91d1\u516c\u53f8\u6216\u9867\u554f\u5c0b\u6c42\u8aee\u8a62\uff0c\u7dda\u4e0b\u958b\u6236\u662f\u6bd4\u8f03\u597d\u7684\u9078\u64c7\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9bc6f69 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9bc6f69\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-87114a9\" data-id=\"87114a9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d7c1ed0 elementor-widget elementor-widget-heading\" data-id=\"d7c1ed0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.\u7dda\u4e0a\u958b\u6236<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be5750e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be5750e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eaaf369\" data-id=\"eaaf369\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ebc4f0 elementor-widget elementor-widget-text-editor\" data-id=\"7ebc4f0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u6295\u8cc7\u8005\u53ef\u700f\u89bd<\/span><a href=\"https:\/\/prsenrolment.ppa.my\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">https:\/\/prsenrolment.ppa.my\/<\/span><\/a><span style=\"font-weight: 400;\"> \u7533\u8acbPRS\u79c1\u4eba\u9000\u4f11\u8a08\u5283\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u7dda\u4e0a\u8a3b\u518a\u50c5\u9069\u7528\u65bc<\/span><b>\u5c45\u4f4f\u5728\u99ac\u4f86\u897f\u4e9e\u7684\u5927\u99ac\u516c\u6c11<\/b><span style=\"font-weight: 400;\">\u3002\u5f9e2021\u5e741\u67081\u65e5\u8d77\uff0c\u6240\u6709\u65b0\u8a3b\u518a\u7684\u8cec\u6236\u90fd<\/span><b>\u514d\u6536RM10.00\u7684\u958b\u6236\u8cbb<\/b><span style=\"font-weight: 400;\">\uff08\u4e00\u6b21\u6027\u95dc\u9589\uff09\u3002\u5c0d\u65bc3<\/span><b>0\u6b72\u53ca\u4ee5\u4e0b<\/b><span style=\"font-weight: 400;\">\u7684\u7533\u8acb\u4eba\uff0cPRS\u57fa\u91d1\u7684<\/span><b>\u92b7\u552e\u8cbb\u7528\u5c07\u70ba0%<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-46afb57 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46afb57\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66c51b4\" data-id=\"66c51b4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1e8dbe elementor-widget elementor-widget-heading\" data-id=\"b1e8dbe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3.eUnittrust<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f384206 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f384206\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-50b029a\" data-id=\"50b029a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f91a431 elementor-widget elementor-widget-text-editor\" data-id=\"f91a431\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">eUnittrust\u662f\u4e00\u500b\u4e00\u7ad9\u5f0f\u7684\u4fe1\u8a17\u57fa\u91d1\u7db2\u7d61\u5e73\u53f0\uff0c\u63d0\u4f9b\u8d85\u904e250\u500b\u91d1\u3002\u6295\u8cc7\u8005\u4ea6\u53ef\u901a\u904e<\/span><a href=\"https:\/\/www.eunittrust.com.my\/Home\/Banner1\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u96fb\u5b50\u55ae\u4f4d\u4fe1\u8a17<\/span><\/a><span style=\"font-weight: 400;\">\u7ba1\u9053\u958b\u8a2dPRS\u8cec\u6236\uff0c\u7dda\u4e0a\u958b\u6236\u92b7\u552e\u8cbb\u70ba0%\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8323360 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8323360\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-757a331\" data-id=\"757a331\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a8180b7 elementor-widget elementor-widget-heading\" data-id=\"a8180b7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4.FSMOne<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b1f0b1c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b1f0b1c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d46cf38\" data-id=\"d46cf38\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fe06cf elementor-widget elementor-widget-text-editor\" data-id=\"6fe06cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">FSMOne\u524d\u8eab\u70baFundsupermart\uff0c\u662f\u500b\u5728\u7dda\u8cb7\u8ce3\u57fa\u91d1\u3001\u80a1\u7968\u3001ETF\u7684\u5e73\u53f0\u3002\u6295\u8cc7\u8005\u53ef\u700f\u89bd<\/span><a href=\"https:\/\/www.fsmone.com.my\/funds\/get-started\/fund-house\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">FSMOne\u7db2\u9801<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u9078\u64c7\u5408\u9069\u7684\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u53ca\u8cfc\u8cb7\u57fa\u91d1\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-82d2430 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"82d2430\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e825043\" data-id=\"e825043\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-469c4ea elementor-widget elementor-widget-heading\" data-id=\"469c4ea\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u798f\u5229\u6d3e\u9001\uff1a\u4f60\u7684EPF\u5132\u84c4\u8db3\u5920\u4f60\u9000\u4f11\u55ce\uff1f<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-819b4ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"819b4ff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-feb52df\" data-id=\"feb52df\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-734444c elementor-widget elementor-widget-text-editor\" data-id=\"734444c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>\u5982\u679c\u4f60\u5922\u60f3\u8457\u8001\u5e74\u6e38\u5c71\u73a9\u6c34\u7684\u751f\u6d3b\uff0c\u5e0c\u671bEPF\u5132\u84c4\u80fd\u5920\u62b5\u5f97\u904e\u901a\u8ca8\u81a8\u8139\u7684\u901f\u5ea6\uff0c\u90a3\u9ebd\u4f60\u4e00\u5b9a\u8981\u7b97\u7b97\uff0c\u4f60\u7684EPF\u5132\u84c4\u662f\u5426\u8db3\u4ee5\u652f\u6490\u4f60\u7684\u9000\u4f11\u751f\u6d3b\uff01<\/strong><\/p><p><strong>\u50f9\u503c\u601d\u7dad\u5718\u968a\u7232\u5927\u5bb6\u7cbe\u5fc3\u88fd\u4f5c\u4e86\u3010EPF \u9000\u4f11\u8a08\u7b97\u6a5f\u3011\uff0c\u5e6b\u52a9\u5927\u5bb6\u8a08\u7b97\u4f60\u7684\u9000\u4f11\u751f\u6d3b\u6240\u9700\u8981\u7684\u8cc7\u91d1\u3002<\/strong><\/p><p><strong>\u9019\u500b\u8a08\u7b97\u6a5f\u6709\u4ec0\u9ebd\u597d\u8655\uff1f<\/strong><\/p><ul><li><strong>\u6839\u64da\u4f60\u7684\u500b\u4eba\u8cc7\u8a0a\u548c\u8ca2\u737b\u91d1\u984d\uff0c\u7cbe\u78ba\u8a08\u7b97\u4f60\u7684\u9000\u4f11\u91d1\u984d<\/strong><\/li><li><strong>\u8003\u616e\u4e0d\u540c\u7684\u6295\u8cc7\u5de5\u5177\uff0c\u8b93\u4f60\u66f4\u597d\u5730\u898f\u5283\u672a\u4f86\u7684\u9000\u4f11\u751f\u6d3b<\/strong><\/li><li><strong>\u53ea\u97003\u5206\u9418\u7684\u8a08\u7b97\u6642\u9593\uff0c\u7bc0\u7701\u4f60\u7e41\u7463\u7684\u624b\u52d5\u8a08\u7b97\u6642\u9593<\/strong><\/li><\/ul><p><a href=\"https:\/\/valueinmind.co\/zh\/free-resources\/free-publications\/epf-calculator\/\"><strong>\u9ede\u64ca\u9019\u88cf\u99ac\u4e0a\u4e0b\u8f09\uff1aEPF \u9000\u4f11\u8a08\u7b97\u6a5f<\/strong><\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a4156d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a4156d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-86e3bd0\" data-id=\"86e3bd0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae83c83 elementor-widget elementor-widget-heading\" data-id=\"ae83c83\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u5e38\u898b\u554f\u984c<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1842357 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1842357\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e3e79be\" data-id=\"e3e79be\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f2e548 elementor-widget elementor-widget-heading\" data-id=\"1f2e548\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.\u5982\u679c\u6211\u4e0d\u5e78\u7834\u7522\uff0c\u80fd\u5426\u7e7c\u7e8c\u6295\u8cc7PRS\uff1f<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d155c66 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d155c66\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d0a001f\" data-id=\"d0a001f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b7fb4c elementor-widget elementor-widget-text-editor\" data-id=\"1b7fb4c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u7834\u7522\u4eba\u4e26\u4e0d\u59a8\u7919\u5176\u53c3\u8207\u79c1\u4eba\u9000\u4f11\u8a08\u5283\uff0c\u958b\u8a2d\u8cec\u6236\u3002\u7136\u800c\uff0c\u4f5c\u70ba\u7834\u7522\u4eba\u58eb\uff0c\u7533\u8acb\u8005\u6709\u6cd5\u5f8b\u7fa9\u52d9\u5c07\u6240\u6709\u8cc7\u7522\u6216\u8ca1\u7522\uff0c\u5305\u62ec\u6211\u5011\u5728PRS\u4e0a\u7684\u6295\u8cc7\uff0c\u6309\u7167\u300a1967\u5e74\u7834\u7522\u6cd5\u300b\u7b2c24\u689d\u7684\u898f\u5b9a\uff0c\u544a\u77e5\u5831\u7aae\u5c40\u7e3d\u76e3\uff08Director General of Insolvency\uff09\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cbd28c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cbd28c3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b4f2876\" data-id=\"b4f2876\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fdd7471 elementor-widget elementor-widget-heading\" data-id=\"fdd7471\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.\u6211\u80fd\u5426\u66ff\u914d\u5076\/\u7236\u6bcd\/\u670b\u53cb\u4f9b\u6b3e\uff1f\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f3f6e09 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f3f6e09\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-269ccb2\" data-id=\"269ccb2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9c38873 elementor-widget elementor-widget-text-editor\" data-id=\"9c38873\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u53ef\u4ee5\uff0c\u7136\u800c\uff0c\u4f9b\u6b3e\u50c5\u80fd\u5728\u500b\u5225\u7684\u8cec\u6236\u4e2d\u8655\u7406\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-94703f4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"94703f4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c04c6e\" data-id=\"4c04c6e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1501ea elementor-widget elementor-widget-heading\" data-id=\"b1501ea\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3.\u6211\u80fd\u628a\u6240\u6709EPF\u5b58\u6b3e\u8f49\u5230PRS\u8cec\u6236\u55ce\uff1f\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3c41010 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c41010\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-55cea4c\" data-id=\"55cea4c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b6fae69 elementor-widget elementor-widget-text-editor\" data-id=\"b6fae69\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u4e0d\u80fd\u3002EPF\u6709\u4e00\u5b9a\u7684\u53d6\u6b3e\u9650\u5236\uff0c\u5c07\u5b58\u6b3e\u63d0\u9818\u7528\u65bcPRS\u6295\u8cc7\u7528\u9014\u662f\u4e0d\u88ab\u5141\u8a31\u7684\u3002\u6cc1\u4e14PRS\u662fEPF\u7684\u88dc\u5145\uff0c\u5b8c\u5168\u653e\u68c4EPF\u4e0d\u662f\u660e\u667a\u7684\u9078\u64c7\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c3381a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c3381a6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-87396a0\" data-id=\"87396a0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-096bf47 elementor-widget elementor-widget-heading\" data-id=\"096bf47\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4.\u6211\u80fd\u5728\u4f9b\u6b3e\u7684\u7b2c\u4e00\u5e74\u66f4\u63db\u57fa\u91d1\u6216\u66f4\u63db\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u55ce\uff1f<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d20b65a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d20b65a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5e0bb50\" data-id=\"5e0bb50\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db1a52b elementor-widget elementor-widget-text-editor\" data-id=\"db1a52b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u5728\u4f9b\u6b3e\u7b2c\u4e00\u5e74\u5167\u66f4\u63db\u540c\u4e00\u5bb6\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u7684\u57fa\u91d1\u662f\u88ab\u5141\u8a31\u7684\uff0c\u7136\u800c\uff0c\u82e5\u662f\u8981\u66f4\u63db\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u5247\u53ea\u80fd\u5728\u4f9b\u6b3e\u4e00\u5e74\u5f8c\uff08\u7b2c\u4e00\u6b21\u7e73\u6b3e\u65e5\u7b97\u8d77\uff09\u767c\u751f\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3ad35e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ad35e1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-93eb8e8\" data-id=\"93eb8e8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-870dcc3 elementor-widget elementor-widget-heading\" data-id=\"870dcc3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5.\u524d\u6587\u8aaa55\u6b72\u524d\u63d0\u6b3e\u6703\u88ab\u5fb5\u6536\u7f70\u6b3e\u4e14\u6709\u6b21\u6578\u9650\u5236\uff0c\u90a3\u9ebc\u9000\u4f11\u5f8c\u63d0\u6b3e\u6703\u9762\u81e8\u7f70\u6b3e\u53ca\u6b21\u6578\u9650\u5236\u55ce\uff1f\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-970cb2c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"970cb2c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-76b1b12\" data-id=\"76b1b12\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d7a344b elementor-widget elementor-widget-text-editor\" data-id=\"d7a344b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u4e0d\u6703\uff0c55\u6b72\u9000\u4f11\u8005\u63d0\u6b3e\u70ba\u6b63\u5e38\u7a0b\u5e8f\u3002PRS\u6236\u53e3\u672c\u5c31\u662f\u70ba\u4e86\u9000\u4f11\u4eba\u58eb\u990a\u8001\u751f\u6d3b\u7684\u6536\u5165\u4f86\u6e90\u5f97\u5230\u4fdd\u8b49\u800c\u958b\u8a2d\uff0c\u56e0\u6b64\u4e0d\u50c5\u4e0d\u6703\u9762\u81e8\u7f70\u6b3e\u4e5f\u6c92\u6709\u63d0\u6b3e\u7684\u6b21\u6578\u9650\u5236\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fb8a078 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fb8a078\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df4c379\" data-id=\"df4c379\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c2d7c0b elementor-widget elementor-widget-heading\" data-id=\"c2d7c0b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">6.\u5982\u679c\u6211\u53ea\u5728PRS\u6236\u53e3\u4e2d\u6295\u8cc7\u904e1\u5e74\uff0c\u63a5\u4e0b\u4f86\u768410\u5e74\u6642\u9593\u88e1\u90fd\u6c92\u6709\u5728PRS\u5b58\u6b3e\uff0c\u8cec\u6236\u6703\u5426\u51cd\u7d50\uff1f\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-86d56ea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"86d56ea\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dc5795c\" data-id=\"dc5795c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-555ffef elementor-widget elementor-widget-text-editor\" data-id=\"555ffef\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u4e0d\u6703\uff0cPRS\u70ba\u81ea\u9858\u6027\u9577\u671f\u5132\u84c4\u8a08\u5283\uff0c\u5373\u4f7f\u6295\u8cc7\u8005\u6c92\u6709\u7e7c\u7e8c\u4f9b\u6b3e\u4f46\u8cec\u6236\u4ecd\u7136\u662f\u6d3b\u8e8d\u7684\uff0c\u4f9d\u7136\u80fd\u9032\u884c\u6b63\u5e38\u7684\u57fa\u91d1\u8cb7\u8ce3\uff0c\u9000\u4f11\u5f8c\u4e5f\u5177\u5099\u63d0\u6b3e\u8cc7\u683c\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-36a98ac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"36a98ac\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72f2ba8\" data-id=\"72f2ba8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab8e920 elementor-widget elementor-widget-heading\" data-id=\"ab8e920\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u7e3d\u7d50<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6149000 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6149000\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1b7d4d6\" data-id=\"1b7d4d6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a5f5e4 elementor-widget elementor-widget-text-editor\" data-id=\"1a5f5e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u7e3d\u7684\u4f86\u8aaa\uff0cPRS\u79c1\u4eba\u9000\u4f11\u8a08\u5283\u597d\u58de\u53c3\u534a\u3002\u5b83\u66f4\u9069\u65bc\u6e34\u671b\u9577\u671f\u8a08\u5283\uff0c\u5c0d\u73fe\u91d1\u6d41\u9700\u6c42\u4e0d\u5927\u7684\u6295\u8cc7\u8005\u3002\u6295\u8cc7\u8005\u5728\u9078\u64c7\u662f\u5426\u5728PRS\u5b58\u9322\u6642\uff0c\u9700\u5f9e\u9577\u9060\u89d2\u5ea6\u8003\u91cf\uff0cPRS\u80fd\u5920\u9078\u64c7\u7684\u57fa\u91d1\u591a\uff0c\u6295\u8cc7\u9580\u6abb\u4f4e\uff0c\u4f9b\u6b3e\u5f48\u6027\u9ad8\u9084\u6709\u7a05\u6536\u512a\u60e0\u3002\u7136\u800c\uff0c\u66f4\u9700\u8981\u8003\u616ePRS\u662f\u6c92\u6709\u6700\u4f4e\u56de\u5831\u4fdd\u8b49\u7684\uff0c\u5b83\u7684\u6574\u9ad4\u56de\u916c\u662f\u5426\u7b26\u5408\u9810\u671f\uff0c\u80fd\u5426\u5e6b\u52a9\u6295\u8cc7\u8005\u5be6\u73fe\u8ca1\u52d9\u76ee\u6a19\uff0c\u6240\u627f\u64d4\u7684\u98a8\u96aa\u3001\u63d0\u6b3e\u9650\u5236\u3001\u8cbb\u7528\u7b49\u56e0\u7d20\u4ee5\u9054\u5230\u7406\u60f3\u7684\u9000\u4f11\u751f\u6d3b\u76ee\u6a19\u3002\u5efa\u8b70\u6295\u8cc7\u8005\u505a\u8db3\u529f\u8ab2\u518d\u9032\u884c\u6295\u8cc7\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-adced55 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"adced55\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-471ae95\" data-id=\"471ae95\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db1a2fe elementor-widget elementor-widget-heading\" data-id=\"db1a2fe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u5ef6\u4f38\u95b2\u8b80<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2754018 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2754018\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b64cc85\" data-id=\"b64cc85\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22f8739 elementor-widget elementor-widget-text-editor\" data-id=\"22f8739\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong><a href=\"https:\/\/valueinmind.co\/zh\/should-you-put-your-savings-in-epf\/\" target=\"_blank\" rel=\"noreferrer noopener\">EPF\u6d3e\u606f5.35%\uff01\u628a\u9322\u5b58\u5728EPF\u4f5c\u9000\u4f11\u91d1\u503c\u5f97\u55ce\uff1fEPF\u5229\u606f\u7a69\u5b9a\u55ce\uff1f<\/a><\/strong><\/p><p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-sspn\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>SSPN\u6d3e\u606f3.05%\uff0c\u6263\u7a05\u512a\u60e0\u53ea\u5ef6\u9577\u81f32024\u5e74\uff01\u628a\u6559\u80b2\u57fa\u91d1\u5b58\u5728SSPN Prime &amp; SSPN Plus\u9084\u503c\u5f97\u55ce\uff1f\u5982\u4f55\u958bSSPN\u6236\u53e3\uff1f<\/strong><\/a><\/p><p><a href=\"https:\/\/valueinmind.co\/zh\/asnb-unit-trust\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>2023\u5e74ASNB\u4fe1\u6258\u57fa\u91d1\u6d3e\u606f4.5%\uff01ASNB\u9084\u503c\u5f97\u6295\u8cc7\u55ce\uff1f \u600e\u6a23\u8cb7ASNB\u57fa\u91d1\uff1f<\/strong><\/a><\/p><p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-money-market-fund\/\"><strong>Money Market Fund\u662f\u4ec0\u4e48\uff1f\u8d27\u5e01\u57fa\u91d1\u6709\u98ce\u9669\u5417\uff1f<\/strong><\/a><\/p><p><strong><a href=\"https:\/\/valueinmind.co\/zh\/what-is-tng-goinvest\/\">\u4ec0\u4e48\u662fTNG GO Invest\uff1f\u5e74\u5229\u606f3.95%\uff0c\u503c\u5f97\u6295\u8d44\u5417\uff1f<\/a><\/strong><\/p><p><a href=\"https:\/\/valueinmind.co\/zh\/touch-n-go-investment\/\"><strong>Touch n Go\u63a8\u51faGO+ \u53ea\u9700RM10\u5c31\u80fd\u6295\u8cc7\uff01\u4e00\u6587\u770b\u61c2 GO+ \u5c0f\u984d\u6295\u8cc7\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1<\/strong><\/a><\/p><p><a href=\"https:\/\/valueinmind.co\/zh\/how-to-invest-with-rm1000\/\"><strong>\u5982\u679c\u53ea\u6709RM1000\uff0c\u6211\u53ef\u4ee5\u6295\u8cc7\u4ec0\u9ebd\uff1f\u9069\u5408\u5c0f\u672c\u6295\u8cc7\u768412\u9805\u6295\u8cc7\u9805\u76ee\uff01<\/strong><\/a><\/p><p><a href=\"https:\/\/valueinmind.co\/zh\/malaysia-fixed-deposit-fd-best-rate\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u99ac\u4f86\u897f\u4e9e2023\u5e749\u6708\u54ea\u5bb6FD\u5229\u7387\u6700\u9ad8\uff1f\u5168\u7db2\u6700\u51689\u6708\u5b9a\u671f\u5b58\u6b3e\u512a\u60e0<\/strong><\/a><\/p><p><strong><a href=\"https:\/\/valueinmind.co\/zh\/what-is-foreign-currency-fixed-deposit\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5916\u5e01\u5b9a\u671f\u5b58\u6b3e\uff08FCFD\uff09\u548c\u666e\u901aFD\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f\u9a6c\u5e01\u8d2c\u503c\uff0c\u8fd9\u662f\u6700\u5b89\u5168\u7684\u8d5a\u5916\u6c47\u65b9\u6cd5\uff01<\/a><\/strong><\/p><p><a href=\"https:\/\/valueinmind.co\/zh\/malaysia-top-5-high-interest-savings-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>2023 \u5e74\u9a6c\u6765\u897f\u4e9a\u50a8\u84c4\u6237\u53e3\u5229\u606f\u6700\u9ad8 TOP 5\uff01\u5229\u606f6.15% \u5ab2\u7f8e FD\uff01<\/strong><\/a><\/p><p><strong><a href=\"https:\/\/valueinmind.co\/zh\/malaysia-top-5-salary-account\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9a6c\u6765\u897f\u4e9a\u6700 BEST Salary Account TOP 5! \u51fa\u7cae\u6237\u53e3\u6709\u4ec0\u4e48\u597d\u5904\u548c\u4f18\u60e0\uff1f\u6253\u5de5\u65cf\u5fc5\u770b\uff01<\/a><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f9bff5a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f9bff5a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-61aaa29\" data-id=\"61aaa29\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap 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class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e73680 elementor-widget elementor-widget-text-editor\" data-id=\"1e73680\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u6b64\u6587\u7ae0\u5167\u5bb9\u50c5\u4f5c\u70ba\u6559\u5b78\u3001\u5206\u4eab\u53ca\u53c3\u8003\u7684\u7528\u9014\uff0c\u800c\u975e\u5c08\u696d\u7684\u6295\u8cc7\u5efa\u8b70\u3002\u7531\u65bc\u500b\u4eba\u7684\u60c5\u6cc1\u53ca\u9700\u6c42\u4e0d\u540c\uff0c\u4f60\u53ef\u4ee5\u806f\u4fc2\u50f9\u503c\u601d\u7dad\u6216\u54a8\u8a62\u4f60\u7684\u7406\u8ca1\u898f\u5283\u5e2b\u4ee5\u53d6\u5f97\u5c08\u696d\u7684\u5efa\u8b70\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PRS\uff08Private Retirement Scheme\uff09\u662f\u99ac\u4f86\u897f\u4e9e\u653f\u5e9c\u63a8\u51fa\u7684\u79c1\u4eba\u9000\u4f11\u8a08\u756b\uff0c\u4ee5\u4fdd\u8b49\u570b\u6c11\u5728\u9000\u4f11\u6642\u7372\u5f97\u66f4\u591a\u7684\u9000\u4f11\u91d1\u3002\u672c\u6587\u4ecb\u7d39PRS\u548cEPF\u7684\u5340\u5225\uff0cPRS\u7684\u57fa\u91d1\u7a2e\u985e\u3001PRS\u7684\u5229\u606f\u3001PRS\u624b\u7e8c\u8cbb\u3001\u6295\u8cc7PRS\u7684\u597d\u8655\u8207\u58de\u8655\uff0c\u4ee5\u53ca\u958b\u6236\u689d\u4ef6\u3001\u5982\u4f55\u5728PRS\u6295\u8cc7\u548c\u5e38\u898b\u554f\u984c\u89e3\u7b54\u3002<\/p>\n","protected":false},"author":62,"featured_media":37171,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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