<\/p>\n

\u304a\u4e16\u8a71\u306b\u306a\u3063\u3066\u304a\u308a\u307e\u3059\u3002\u6771\u4eac\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u30d5\u30a1\u30fc\u30e0\u306e\u85e4\u4e95\u3067\u3059\u3002<\/p>\n

\u4eca\u9031\u306f\u3001\uff12\uff10\uff11\uff12\u5e74\u306b\u5c0e\u5165\u3055\u308c\u305f\u3001EPF\u306e\u88dc\u5b8c\u7684\u5f79\u5272\u3092\u62c5\u3046PRS\u306b\u3064\u3044\u3066\u304a\u8a71\u3057\u3057\u3066\u3044\u3053\u3046\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

 <\/p>\n

EPF-Employment Provident Fund<\/p>\n

PRS-Private Retirement Scheme<\/p>\n

 <\/p>\n

Hello. This is Daisuke Fujii of Tokyo Consulting Firm Sdn. Bhd. I am writing PRS in this blog. Please read it if you have a time.<\/p>\n

\u203b  PRS is a new retirement scheme in Malaysia launched by 2012. This is a voluntarily scheme.<\/p>\n

 <\/p>\n

\n
1. PRS\u3068EPF\u306e\u9055\u3044<\/li>\n<\/ol>\n

   1. Difference between PRS and EPF<\/p>\n

    <\/p>\n

   \u307e\u305a\u306f\u3001\u4e0b\u8a18\u306e\u8868\u3067EPF\u3068PRS\u306e\u6bd4\u8f03\u3092\u3057\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

   Please see the difference sheet as below.<\/p>\n

    <\/p>\n\n\n\n\n\n\n\n\n\n

   \n \u9805\u76ee<\/p>\n Items<\/p>\n<\/td>\n	\n PRS<\/p>\n<\/td>\n	\n EPS<\/p>\n<\/td>\n<\/tr>\n
   \n \u62e0\u51fa\u30bf\u30a4\u30d7<\/p>\n Type of contribution<\/p>\n<\/td>\n	\n \u81ea\u767a<\/p>\n Voluntary<\/p>\n<\/td>\n	\n \u5f37\u5236<\/p>\n Mandatory<\/p>\n<\/td>\n<\/tr>\n
   \n \u6cd5\u5b9a\u6700\u5927\u30fb\u6700\u5c0f\u62e0\u51fa\u984d<\/p>\n Max and Minimum contribution<\/p>\n<\/td>\n	\n \u306a\u3057<\/p>\n None<\/p>\n<\/td>\n	\n \u6cd5\u5b9a\u6700\u5c0f\u62e0\u51fa\u984d<\/p>\n \u5f93\u696d\u54e1;\u7d66\u4e0e11%<\/p>\n \u96c7\u7528\u4e3b;12~13%<\/p>\n Employee; 11%<\/p>\n Employer; 12%<\/p>\n<\/td>\n<\/tr>\n
   \n \u62e0\u51fa\u6642\u671f<\/p>\n Date of Contribution<\/p>\n<\/td>\n	\n \u6c7a\u307e\u3063\u305f\u6642\u671f\u3068\u3044\u3046\u306e\u306f\u306a\u3044<\/p>\n Not be decided<\/p>\n<\/td>\n	\n \u6bce\u6708<\/p>\n Every Month<\/p>\n<\/td>\n<\/tr>\n
   \n \u652f\u6255\u5148<\/p>\n Contribution paid to<\/p>\n<\/td>\n	\n PRS\u904b\u55b6\u4f1a\u793e\u203b\uff11<\/p>\n \uff08\u653f\u5e9c\u306b\u3088\u3063\u3066\u30e9\u30a4\u30bb\u30f3\u30b9\u304c\u4ed8\u4e0e\u3055\u308c\u3066\u3044\u308b\uff09<\/p>\n Provider of PRS<\/p>\n<\/td>\n	\n EPF\u3092\u7ba1\u7406\u904b\u55b6\u3057\u3066\u3044\u308b\u6a5f\u95a2\u306b\u76f4\u63a5\u652f\u6255\u3046<\/p>\n EPF directly<\/p>\n<\/td>\n<\/tr>\n
   \n \u63a7\u9664\uff08\u5e74\u9593\uff09<\/p>\n Tax relief<\/p>\n<\/td>\n	\n RM3,000\u307e\u3067<\/p>\n Up to RM 3,000(Yearly)<\/p>\n<\/td>\n	\n RM3,000\u307e\u3067<\/p>\n Up to RM 3,000(Yearly)<\/p>\n<\/td>\n<\/tr>\n
   \n \u914d\u5f53\u91d1<\/p>\n Dividend<\/p>\n<\/td>\n	\n PRS\u904b\u55b6\u4f1a\u793e\u306e\u904b\u55b6\u72b6\u6cc1\u306b\u3088\u3063\u3066\u3002\u652f\u7d66\u304c\u306a\u3044\u5834\u5408\u3082\u3042\u308b\u3002<\/p>\n Depends on Provider’s economy condition<\/p>\n<\/td>\n	\n \u6700\u4f4e2.5%\u306e\u652f\u7d66<\/p>\n Minimum 2.5% each year<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n \u203b  \uff11<\/p>\n \u904b\u55b6\u4f1a\u793e\u306f\u3001\uff12\uff10\uff11\uff13\u5e74\u73fe\u5728\u3001\uff18\u3064\u306e\u9280\u884c\u3082\u3057\u304f\u306f\u3001\u6295\u8cc7\u4f1a\u793e\u306b\u30e9\u30a4\u30bb\u30f3\u30b9\u304c\u4e0e\u3048\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n \u203b  \uff11<\/p>\n The number of Provider of PRS is 8 (2013).<\/p>\n  <\/p>\n \n PRS\u306b\u304a\u3051\u308b\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6<\/li>\n<\/ol>\n 2.  Incentive of PRS<\/p>\n  <\/p>\n \u2460   \u5e74\u9593RM3,000\u306e\u6240\u5f97\u63a7\u9664\uff08\u500b\u4eba\uff09<\/p>\n \u2461   \u7d66\u4e0e\u306e19%\u3092\u640d\u91d1\u306b\u7b97\u5165\u3067\u304d\u308b\uff08\u6cd5\u4eba\uff09<\/p>\n \u2462   \u904b\u7528\u53ce\u76ca\u975e\u8ab2\u7a0e<\/p>\n \u2463   \uff15\uff15\u6b73\u4ee5\u964d\u306e\u7d66\u4ed8\u306b\u5bfe\u3057\u3066\u306f\u975e\u8ab2\u7a0e<\/p>\n \u2464   \u5e74\u9593RM1,000\u62e0\u51fa\u3057\u3066\u3044\u308b\u65b9\u306e\u307f\u3001\u653f\u5e9c\u304b\u3089RM500\u3092\u652f\u7d66\u3055\u308c\u308b\uff08\uff11\u56de\u9650\u308a\uff09\u3002\u3053\u3061\u3089\u306f\u30012014\u5e74〜2018\u5e74\u306e\u9593\u306e\u307f\u3002<\/p>\n  <\/p>\n \u2460   Individual Tax deduction (Up to 3,000RM yearly).<\/p>\n \u2461   Inclusion in expense (Up to 19& of salary)<\/p>\n \u2462   Tax-exempt of investment income<\/p>\n \u2463   Tax-exempt of revenue after 55 years old<\/p>\n \u2464   500RM provided by the government to person who contribute over 1,000RM yearly (Only one time in 2014-2018)<\/p>\n  <\/p>\n 3 PRS\u306e\u4f4d\u7f6e\u4ed8\u3051<\/p>\n 3. Placement of PRS<\/p>\n  <\/p>\n PRS\u306f\u3082\u3068\u3082\u3068\u6cd5\u5b9a\u3067\u5b9a\u3081\u3089\u308c\u3066\u3044\u308b\u3001EPF\u3092\u88dc\u5b8c\u3059\u308b\u76ee\u7684\u3067\u8a2d\u7f6e\u3055\u308c\u3066\u3044\u307e\u3059\u3002EPF\u3060\u3051\u3067\u306f\u306a\u304f\u3001\u8001\u5f8c\u3078\u306e\u8cc7\u91d1\u306e\u5145\u5b9f\u3092\u56f3\u308b\u305f\u3081\u306b\u8a2d\u7f6e\u3057\u3066\u3044\u307e\u3059\u3002\u6cd5\u4eba\u3068\u3057\u3066\u306e\u4f4d\u7f6e\u4ed8\u3051\u306f\u3001\u5f37\u5236\u52a0\u5165\u304c\u306a\u3044\u5206\u3001\u3053\u308c\u3092\u5f93\u696d\u54e1\u3078\u306e\u798f\u5229\u539a\u751f\u306e\u4e00\u74b0\u3068\u3057\u3066\u5b9a\u3081\u308b\u304b\u3001\u9000\u8077\u91d1\u7528\u3068\u3057\u3066\u7528\u3044\u308b\u306e\u304c\u4e00\u822c\u7684\u3067\u3059\u3002\u6b8b\u5ff5\u306a\u304c\u3089\u3001\u5177\u4f53\u7684\u306a\u6570\u5b57\u3092\u51fa\u3059\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u304c\u3001\u5b9f\u969b\u306b\u5c0e\u5165\u3057\u3066\u3044\u308b\u4f1a\u793e\u306f\u307e\u3060\u591a\u304f\u306f\u306a\u3044\u306e\u304c\u73fe\u72b6\u3067\u3059\u3002<\/p>\n The purpose of PRS is complement of EPF and fulfilling of capital after retirement. As for corporation, company uses this scheme as for employee benefit. However, I cannot say the actual number of company uses this scheme.<\/p>\n  <\/p>\n \uff1c\u9023\u7d61\u5148\uff1e<\/p>\n  <\/p>\n \u682a\u5f0f\u4f1a\u793e\u6771\u4eac\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u30d5\u30a1\u30fc\u30e0<\/p>\n Level 16, 1 Sentral Jalan Stesen Sentral 5 KL Sentral, 50470, Kuala Lumpur, Malaysia<\/p>\n \u56fd\u969b\u4e8b\u696d\u90e8 \u30de\u30ec\u30fc\u30b7\u30a2\u652f\u90e8<\/p>\n \u85e4\u4e95\u5927\u8f14<\/p>\n  <\/p>\n <Contact><\/p>\n  <\/p>\n Company: Tokyo Consulting Firm<\/p>\n Address: Level 16, 1 Sentral Jalan Stesen Sentral 5 KL Sentral, 50470, Kuala Lumpur, Malaysia<\/p>\n Department: International Department in Malaysia Branch<\/p>\n Name: Daisuke Fujii<\/p>\n  <\/p>\n <\/a> <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"  \u304a\u4e16\u8a71\u306b\u306a\u3063\u3066\u304a\u308a\u307e\u3059\u3002\u6771\u4eac\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u30d5\u30a1\u30fc\u30e0\u306e\u85e4\u4e95\u3067\u3059\u3002 \u4eca\u9031\u306f\u3001\uff12\uff10\uff11\uff12\u5e74\u306b\u5c0e\u5165\u3055\u308c\u305f\u3001EPF\u306e\u88dc\u5b8c\u7684\u5f79\u5272\u3092\u62c5\u3046PRS\u306b\u3064\u3044\u3066\u304a\u8a71\u3057\u3057\u3066\u3044\u3053\u3046\u304b\u3068\u601d\u3044\u307e\u3059\u3002   EPF-Employme […]","protected":false},"author":1,"featured_media":1362,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"passster_activate_protection":false,"passster_protect_child_pages":"","passster_protection_type":"password","passster_password":"","passster_activate_overwrite_defaults":"","passster_headline":"","passster_instruction":"","passster_placeholder":"","passster_button":"","passster_id":"","passster_activate_misc_settings":"","passster_redirect_url":"","passster_hide":"no","passster_area_shortcode":"","_mi_skip_tracking":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[18,22],"tags":[],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/kuno-cpa.co.jp\/malaysia_blog\/wp-content\/uploads\/2019\/06\/%E5%8A%B4%E5%8B%99.jpg?fit=750%2C562&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/paybPq-aV","_links":{"self":[{"href":"https:\/\/kuno-cpa.co.jp\/malaysia_blog\/wp-json\/wp\/v2\/posts\/677"}],"collection":[{"href":"https:\/\/kuno-cpa.co.jp\/malaysia_blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kuno-cpa.co.jp\/malaysia_blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kuno-cpa.co.jp\/malaysia_blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kuno-cpa.co.jp\/malaysia_blog\/wp-json\/wp\/v2\/comments?post=677"}],"version-history":[{"count":1,"href":"https:\/\/kuno-cpa.co.jp\/malaysia_blog\/wp-json\/wp\/v2\/posts\/677\/revisions"}],"predecessor-version":[{"id":1141,"href":"https:\/\/kuno-cpa.co.jp\/malaysia_blog\/wp-json\/wp\/v2\/posts\/677\/revisions\/1141"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kuno-cpa.co.jp\/malaysia_blog\/wp-json\/wp\/v2\/media\/1362"}],"wp:attachment":[{"href":"https:\/\/kuno-cpa.co.jp\/malaysia_blog\/wp-json\/wp\/v2\/media?parent=677"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kuno-cpa.co.jp\/malaysia_blog\/wp-json\/wp\/v2\/categories?post=677"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kuno-cpa.co.jp\/malaysia_blog\/wp-json\/wp\/v2\/tags?post=677"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}