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Saya mengucapkan kepada semua AIA agensi yang beragama Islam Selamat Hari Raya Aidilfitri Maaf Zahir dan Batin Source: YouTube Source: Google-Image

PRIVATE RETIREMENT SCHEME (PRS) Development of the PRS Industry With increasing life expectancy and rising living standards , many Malaysians find that their savings are inadequate to meet their retirement needs.  PRS form an integral feature of the private pension industry with the objective of improving living standards for Malaysians at retirement through additional savings of funds . As long-term investment vehicles, PRS are designed to help enhance adequacy and expand coverage of retirement benefits to all segments of the population. It complements Malaysia’s mandatory retirement savings schemes . Contributions to the PRS are voluntary .  Individuals (retail investors, self-employed and employees) or  employers can participate as PRS contributors.  Offering private pension benefits could be a tool for employers to attract and retain skilled talent. The PRS information set out in this publication includes a description of the framework, the key feature

Sunday August 5, 2012 Blinding glitter of gold By JOYCE TEO Seen traditionally as a ‘safe haven’ in times of economic uncertainty and as a hedge against inflation, gold is the type of precious metal that few can resist. TYPICALLY bought in its physical form through goldsmiths, jewellers or banks, gold denotes wealth and status, and is a store of value and a way of passing wealth on to the next generation . Today, you can buy not only gold bars and coins, but also gold certificates and gold-related funds . Investment vehicles such as gold buy-back schemes have also emerged of late. These purportedly pay regular returns to consumers and/or offer to buy back gold at a premium to the original sales price. But you must first know what you are putting your money into. On the Web, you may find entities offering gold buy-back schemes telling you that gold is a scarce resource that will continue to rise in price as global demand increases. Gold quest: Today, you ca