PRURetirement Growth

An investment-linked plan for a fulfilling retirement.

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Product benefits

The essential plan for your retirement.

Guaranteed monthly income

Receive monthly payouts regardless of investment value.

Higher guaranteed returns

Get back more than the initial premium you invested.

A lump sum payout when your policy matures

We pay you a lump sum of your remaining investment value upon maturity.

Flexible withdrawals

Withdrawals of any amount can be made at any time.

Retire the way you want

PRURetirement Growth guarantees you income and income growth according to your plans for a fulfilling retirement. It is an investment-linked plan that pays you higher guaranteed returns and allows flexible withdrawals.

If you are disabled or unfortunately pass away due to illness, this plan pays your loved ones up to 125% of your coverage or the value of your investment fund.

Learn more

More about PRURetirement Growth

Realise your retirement dreams with monthly income and potential returns.

PRURetirement Growth is a one-off premium investment-linked plan that pays you a monthly guaranteed income and has the potential to grow in investment according to your needs. Choose how long you want to accumulate your funds and the number of years that you will receive the monthly income.

This is the plan that guarantees you higher returns for your investment and withdrawals of any amount at any time.

Download our product flyer in your preferred language to find out more.

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About your plan

How much does it cost (your premium)?	Minimum one-off premium of RM10,000
How long will I need to pay premiums?	One-off payment
How long does the coverage last?	Up to 90 years old
How old must the life assured (the person covered by the plan) be when the plan starts?	30 – 65 years old
What’s the minimum amount of coverage?	RM12,500, subject to a minimum one-off premium payment of RM10,000
What’s the maximum amount of coverage?	Our underwriters decide this, depending on your circumstances.

All ages in this table are age next birthday (ANB)

Important notes

Key information and disclaimers.

This content contains only a brief description of the product and is not exhaustive. You are advised to refer to  Prudential Assurance Malaysia Berhad (PAMB)’s Brochure, Product Disclosure Sheet, Product / Sales Illustration, Fund Fact Sheet (if any) before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the features and benefits, exclusions and waiting periods under the policy.

PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.

PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).

Retirement Plan FAQ

How do I create a retirement plan?

Retirement is a big change and some people find it easier to ease out of the workforce rather than stop working overnight. Whichever way you choose to approach retirement, here are some practical steps you can take to create an effective retirement plan:

Start as early as possible. The earlier you start, the more time your have to grow your money.
Figure out how much you will need. Your actual amount will depend on factors such as retirement age, lifestyle and standard of living, and inflation rates.
Think about your financial goals. For example, are you also building an emergency fund or paying of student loans?
Decide how much you should invest monthly to reach your goals.
Decide on the best retirement plan and investments for you (this can be reviewed from time to time).

How do I save for retirement?

The amount you need to live comfortably after retirement may seem daunting but it’s not impossible to achieve. Here are some tips to help you save for retirement:

Start saving today.
Contribute to EPF.
Automate your savings.
Examine your budget and rein in your spending, if need be.
Set a goal - clarity on the amount needed will help motivate you to save.
Contribute to savings and investment plans that are designed for retirement, such as PRURetirement Growth.

How much money do I need to retire?

This will depend on factors such as your current age, the age you plan to retire, your health and life expectancy, lifestyle standard you wish to maintain and if you will have sources of retirement income.

How much money you need to retire isn’t just about the size of your nest egg, it also depends on how you spend money once you’ve stopped working.

Speak to one of our wealth managers to learn more about estimating the amount you need to retire.

How do I invest wisely for retirement?

Here are some useful tips when investing for retirement:

Pay off debt and commit to a debt-free lifestyle (except for mortgage).
Think long term and dont be greedy for fast money.
Invest in products you understand.
Know your risk appetite level.
Ask experts, such as Prudential’s wealth managers, for advise.

What are the mistakes to avoid in retirement planning?

We may have all the right intentions when it comes to saving and investing for our retirement. Nonetheless, no one is guaranteed a mistake free journey.

So, here are some common pitfalls to avoid:

Not having a goal or a plan.
Not diversifying your savings.
Starting to save too late.
Withdrawing from EPF Account 2.
Allowing debt to pile up.
Spending bonuses immediately.
Not considering health and medical costs.