Konsep Takaful

Takaful ialah satu konsep yang berasaskan prinsip-prinsip berkongsi tanggungjawab, bekerjasama dan saling membantu menjaga kepentingan bersama. Setiap peserta menyumbang berasaskan Tabarru' (derma) kepada dana yang akan digunakan untuk membantu satu sama lain pada masa diperlukan.

Children Education

The cost of higher education is increasing. The need for access to higher education and the cost will put a financial strain on you and your family.That is why it is important to start planning for your child's education as soon as possible, because the earlier you begin, the more time you allow your money to grow.

The child education policy will provide the funds needed by your child to pursue further education and assures that whatever happens in the future,your child will still have the means to pursue some of his/her goals in life.Research has done and found that in the area of Children's Education,38% of the adult population in Malaysia is married with young children under the age of 10.Out of 38% only a few parents prepared for their children education.So start right now with only RM50 at Prudential and a little saving for your children and your child future is guaranteed in education.

Retirement Planning

We hear a lot about retirement planning these days and the latest issue by EPF whereby everyone broke after retirement.The question is how many people actually plan for their retirement?How much does one need for a life of confort in retirement?

Research has done and there are 5,269,200 people from age 40 age 59, who will need retirement planning services and solutions.And a also financial planners differ on this,coming up with figures ranging between RM1.4 million and RM2.8 million.The amount their need to achieve for a comfortable lifestyle in retirement.

There is a lot of ways actually you can achieve your desire income by investing in the stock market,unit trusts,property,saving money in the bank and buying an endowment insurance policy.

Time is your best friend:for every 10 years you delay saving for retirement,you will have to save three times as much each month to catch up.(source The U.S Labor Department)

Here in Prudential, you can do regular saving by minimum of RM100 and followed by RM100. EPF members investment scheme is also another ways that you are allowed to invest provided in the Account 1 excess of RM55000.

No matter your age or level of income,you can protect yourself from most financial suprises later if you plan now.Planning gives you the power to turn your retirement dreams to reality.