Monday, December 30, 2013
Wednesday, December 18, 2013
CIRI-CIRI SKIM PERSARAAN SWASTA / PRIVATE RETIREMENT SCHEME (PRS)
Caruman (contribution)
Persendirian
Mana-mana individu yang telah mencapai umur 18 tahun pada tarikh pembukaan akaun pencen swasta boleh mencarum ke dalam mana-mana dana di bawah PRS. PRS ditawarkan kepada warganegara dan bukan warganegara Malaysia. Caruman kepada dana di bawah PRS akan diselenggarakan dalam dua sub-akaun yang berasingan oleh Penyedia PRS seperti berikut:
- 70% di Sub-akaun A, di mana pengeluaran pra-persaraan tidak boleh dibuat; dan
- 30% di Sub-akaun B, pengeluaran pra-persaraan dibenarkan, namun ianya tertakluk kepada cukai penalti 8% ke atas setiap jumlah pengeluaran.
Pengecualian Cukai – Persendirian
Pengecualian cukai dikenakan ke atas caruman kasar, termasuk caj pendahuluan.Sebagai contoh, jika seseorang melabur sebanyak RM3,000 dengan Penyedia PRS dan RM10 ditolak untuk membiaya yuran pembukaan akaun, manakala RM50 lagi ditolak untuk caj jualan, pengecualian cukai adalah tetap dikira atas RM3,000, dan bukannya RM2,940.
Pengecualian cukai sehingga RM3,000 setahun akan dikenakan ke atas pendapatan boleh cukai, untuk caruman individu untuk 10 tahun pertama dari tahun taksiran 2012. Mereka boleh menuntut pengecualian cukai PRS di dalam Borang BE di bawah Seksyen F-F18 Borang BE. Borang tersebut boleh didapati melalui laman web rasmi Lembaga Hasil Dalam Negeri Malaysia (LHDNM)www.hasil.gov.my. Penyata tahunan untuk menyokong tuntutan bagi pengecualian cukai boleh diperoleh daripada Penyedia PRS sebagai bukti pelaburan yang dibuat pada tahun taksiran.
Majikan
Jika mana-mana majikan bersetuju membuat caruman dalam skim PRS untuk pekerja mereka, mereka boleh berhubung dengan satu atau lebih Penyedia PRS pilihan mereka. Jumlah dan kekerapan caruman ditentukan oleh majikan manakala pekerja akan memilih sendiri jenis dana PRS yang mereka mahukan. Jika tiada pilihan dibuat, caruman majikan akan disalurkan terus ke dana pilihan yang ditetapkan (default option) yang disediakan Penyedia PRS tersebut.Pengecualian Cukai – Majikan
Majikan yang mencarum kepada PRS bagi pihak pekerja mereka layak untuk mendapat potongan cukai melebihi kadar berkanun untuk caruman KWSP, iaitu sehingga 19%. Sila ambil perhatian bahawa pelepasan cukai majikan hanya sah ke atas syarikat itu sebagai satu entiti sahaja.Pre-retirement Withdrawals
The Finance Bill (No. 2) 2013 that was recently passed in Dewan Rakyat on 5 December 2013 provided that pre-retirement withdrawals (in full or partial) from PRS made before reaching the age of 55 on the following grounds will be exempted from the 8% tax penalty:
i. In the event of Death;
ii. Permanent departure from Malaysia;
iii. Permanent total disablement; (new addition)
iv. Serious disease; (new addition) or
v. Mental disability (new addition)
As the objective of PRS is to encourage individuals to accumulate additional savings for retirement, any pre-retirement withdrawal made before the age of 55 will be imposed with an 8% tax penalty. Pre-retirement withdrawals are subject to the terms and conditions as prescribed under the existing PRS Guidelines. PRS members can only make pre-retirement withdrawals once a calendar year from account B, which comprises up to 30% of his/her PRS account balance.
The remaining 70% of an individual PRS account balance under account A can only be withdrawn when the individual reaches age 55, as prescribed under the current PRS Guidelines without tax penalties.
Memperkukuh Skim Pencen
PRS merupakan inisiatif di bawah Pelan Induk Pasaran Modal 2 untuk mempercepatkan pembangunan industri pencen swasta, ia direka untuk menyediakan dana persaraan tambahan. PRS dijangka menyumbang ke arah mewujudkan teras ke-3 (sukarela) sebagai sebahagian daripada skim pencen negara yang mantap.
What Should I Consider?
Retirement investment objective:
- Growth – primary focus is to generate compounding and accelerating capital growth by investing in equities.
- Growth & Income – balanced requirement for compounding capital growth as well as income by investing in mixed assets i.e. equities and bonds/fixed income instruments.
- Income – primary focus is to general regular income stream by investing in bonds/fixed income instruments.
- Less than 40 years , you may want to focus on capital growth
- Between 40 – 50 years, you may want to balanced capital growth and income
- Above 50 years, you may be focusing on generating sustainable income
- Aggressive – you are able to withstand market volatility and capital losses
- Moderate – you are looking at balancing market risk and returns
- Conservative – you are unable to withstand capital losses
Sunday, December 15, 2013
Wednesday, December 4, 2013
Pembiayaan ASB
In partnership with CIMB Bank, CWA now offers Amanah Saham Bumiputera (ASB) Financing, a term financing facility to purchase ASB units.
Help Me!!
It is never too late to start a proper retirement plan. Let us help you bundle up - save and protect at the same time!
What Is Unit Trust????
What is actually a Unit Trust?
Imagine a large pizza topped with all the good stuff with various different share of leading Malaysian or offshore companies.
In order to buy that pizza you would need to invest hundreds of thousands ringgit.
But... what if that pizza is cut up into smaller slices?
and you can buy as many individual slices as you wish and according to your affordability or your appetite like vegetarian, mixed or maybe meaty pepperoni?... hmmmm...
Like that slice of pizza.. A Unit Trust is a portfolio of investments that is broken up into units.
As the value of the portfolio increases, so does the value of your units.
The toppings is carefully selected by asset managers company, like us, CIMB-Principal with only focus to maximise your return so you can enjoy that wealthy piece of pizza.
Now, talking about pizza, it does make the stomach starts to sing. Lalala~ (+_=)
Imagine a large pizza topped with all the good stuff with various different share of leading Malaysian or offshore companies.
In order to buy that pizza you would need to invest hundreds of thousands ringgit.
But... what if that pizza is cut up into smaller slices?
and you can buy as many individual slices as you wish and according to your affordability or your appetite like vegetarian, mixed or maybe meaty pepperoni?... hmmmm...
Like that slice of pizza.. A Unit Trust is a portfolio of investments that is broken up into units.
As the value of the portfolio increases, so does the value of your units.
The toppings is carefully selected by asset managers company, like us, CIMB-Principal with only focus to maximise your return so you can enjoy that wealthy piece of pizza.
Now, talking about pizza, it does make the stomach starts to sing. Lalala~ (+_=)
Benefits of PRS as companies expand!
The strength of your employee benefits will make the difference between your organization and competitors.
Offering access to PRS can be the smart way to provide for your key assets.
Offering access to PRS can be the smart way to provide for your key assets.
Retaining best talents in organisation!
Pn Munirah Khairuddin, CEO of CIMB-Principal Asset Management Berhad was featured in a two-part series articles on Private Retirement Scheme (PRS) in The Malaysian Reserve on 23 Oct and 24 Oct 2013 respectively.In Part 1 published on 23 Oct, Munirah explained on why your organisations can attract and retain talent by introducing PRS.
Monday, December 2, 2013
Sunday, December 1, 2013
Perancangan Harta Pusaka
Wasiat adalah satu deklarasi oleh seseorang semasa hayatnya keatas ataumanfaatnya untuk kebajikan atau untuk tujuan lain yang membenarkanoleh undang-undang Islam yang berkuatkuasa, selepas kematianya.
Tujuan kami adalah untuk mengurangkan harta terbeku yang kini melebihiRM 40 billion di Malaysia.
Kebaikan menulis Wasiat
1.Mempercepatkan proses pembahagian harta.
2.Mengelakkan pertelingkahan di dalam keluarga
3.Melantik penjaga harta untuk kanak-kanak
4.Melantik pentadbir.
Sebagaimana yang kita tahu dan kita dengar pelbagai cerita tentangpertelingkahan keluarga berpunca dari harta pusaka. Ini disebabkantiada wasiat dan pentadbir yang sempurna. Sebagai umat Islam dan Syarikat yang mahir di dalam PerancanganKewangan menjadi tanggungjawab kami untuk membantu danberkongsi tentang kebaikan wasiat kepada umat Islam.
“Ingat 5 perkara sebelum 5 perkara”
The Answer Will Suprise You!!
Why CIMB Principal Asset Management are the best? Why Clients choose CIMB Principal as their Financial Partner? The answer will suprise you!
Stability : Funds do not follow trends, but focus on strong fundamentals to deliver long-term results
Secuity : Regular investment savings into these consistent performers will result in a solid retirement Base
Simplicity : Straightforward, diversified funds that are easy to understand and hence invest in
Results : Consistent performance over the long term
Our Recommendation Fund
CIMB Islamic Dali Equity Growth Fund
CIMB Islamic Dali Equity Theme Fund
CIMB Islamic Dali Equity Growth Fund
CIMB Islamic Dali Equity Theme Fund
"People choose CIMB Principal Asset Management because of our Strategy that can provide consistent Performance over the Medium to Long Term result"
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