Sec A

2.		Private Retirement Scheme (PRS) forms an integral feature of the private pension industry to improve living standards for Malaysians at retirement through additional savings of funds. It has been designed to help enhance adequacy and expand coverage of retirement benefits to all segments of the population. It complements the mandatory retirement savings schemes, like the Employee Provident Fund (EPF).
	a.		Classify THREE (3) investment options offered by PRS for respective risk profiles. (9 marks)
	b.		Explain THREE (3) permissible withdrawal options for PRS members. (9 marks)
	c.		A Sales Manager, Mr. Yu En Ai is currently age 45. He has RM500,000 in his EPF Account 1. He plans to withdraw the maximum eligible amount to be invested into a unit trust investment with XYZ Bank Berhad, Compute the total amount withdrawable for his Unit Trust investment. (4 marks)
	d.		Miss Corona is currently 30 years old. She has RM50,000 in her EPF Account 2 and wanted to withdraw RM20,000 for her education fees and another RM20,000 to pay for the down payment for her new car. Advise her on this matter by giving the withdrawal criterion of Account 2. (4 marks)