東尼仔Toni Chai

05/01/2026

06/12/2025

很多人以为退休还很远，但最稳固的退休基金，永远是从今天的小行动开始

PRS 能帮助你在 EPF 之外再提升退休储蓄，让你未来拥有更多选择、更安心、更少压力

供款灵活，你可以从小金额开始，有额外资金时随时追加

由专业基金经理为你管理，专注于长期增长

提供**传统与清真（Shariah）**基金选择

越早开始，越能发挥复利效应——让你的钱每天悄悄为你增长

很适合刚踏入职场的年轻人、想补强退休储蓄的上班族，以及任何计划长期财务稳定的人

通过 PRS，你不只是储蓄，而是在打造更轻松、更安心的未来

趁现在开始，让你在退休时拥有更多信心与安全感

06/12/2025

Many people think retirement is far away, but the strongest retirement fund always starts with small steps today

PRS helps you boost your retirement savings beyond EPF so you can enjoy more choices, more peace of mind, and less financial pressure in the future

Flexible contributions — you can start with any small amount that suits your budget and top up whenever you have extra

Your money is managed by professional fund managers who focus on long-term growth

Options available for conventional and Shariah-compliant funds

The earlier you start, the stronger the compounding effect — your money quietly grows day by day

Great for young adults starting early, private sector workers who want to top up retirement savings, and anyone planning long-term stability

With PRS, you’re not just saving — you’re building a more comfortable and secure future

Start now so you can enjoy confidence and peace of mind when it’s time to retire

Dun waiting till next year, PM me now!!!!

06/12/2025

*⏳ Dah hujung tahun dah ni…*
Kalau belum ambil peluang *PELEPASAN CUKAI RM3,000* melalui PRS — *masih sempat!*

Simpan dalam *Private Retirement Scheme (PRS)* sebelum 31 Disember ni,
boleh kurangkan cukai & *dapat dana simpanan persaraan sekali.*

Contoh:
Kalau cukai 25%, simpan RM3,000 — *boleh jimat RM750 dari cukai!*

Dan duit tu BUKAN hangus…
Masuk ke simpanan PRS yang *boleh berkembang jadi pencen sendiri.*

✅ Simpanan patuh syariah
✅ Mula serendah RM100
✅ Ada benefit Takaful Percuma

🎯 Buat, untung + jimat cukai.

Komen "PRS" atau PM Toni Chai cepat — kita kira sama-sama berapa boleh jimat cukai tahun ni 💬

13/11/2025

Advantages of Contributing to the PRS:

✅ Tax Relief
Enjoy personal tax relief of up to RM3,000 per
year.
Tax relief is valid until year 2030.

✅ Protection
1. Benefits/Monies in the PRS are protected from
creditors.
2. Enjoy complimentary Personal Accident
insurance / takaful coverage.

✅ Flexible and Affordable
1. Choose to invest in any PRS fund
2. Only RM100 required to open or top-up a PRS
account

49 days left to make your PRS contributions for 2025.
Contact me now to make your contribution!

投资私人退休计划（PRS）的好处：

✅ 税务减免
每年可享有高达 RM3,000 的个人所得税减免。
此税务优惠有效期至 2030年。

✅ 保障
1. PRS账户内的资产/款项受法律保障，不会被债权
人追讨。
2. 可享有免费个人意外保险/伊斯兰保险（takaful）
保障。

✅ 灵活又实惠
1. 可自由选择投资任何一项 PRS 基金
2. 只需 RM100 即可开设或追加投资PRS账户

距离2025年的PRS缴款截止还有49天！
赶快联系我，立即进行你的PRS缴款吧！

07/07/2025

A Bright Future Starts Here
Not sure which field and industry to venture into after your graduation but want to live a
lavish and successful life? Take a step forward to DM me and grab the opportunity to
build your own empire at a young age!

15/06/2025

UBB AMANAH BERHAD
NexGen Trust

14 June 2025 – 19 Sept 2025

* Bankruptcy Protection
* ⁠Creditor‘s Protection
* ⁠Divorce Protection
* ⁠Bypassing the Probate Court

^Min : RM30,000 – Malaysian & Malaysian PR
^Min : RM100,000 - Foreigner
^Min : RM500,000 - Corporation

^Annual Trust income – 11% - 13% per annum
^Trust Income Distribution - every 3 months (4 times a year)
^3-year Trust
^Max 2 primary BENE ONLY
^Revocation fee - 20%

After Lifetime of Donor
must wait for full 36 months, then the accumulated Trust income and full Trust Capital will be distributed to the named BENE.

11/05/2025

24/04/2025