109 PRS Youth Incentive still available

PRS Youth Incentive still available	私人退休金青年奖掖
This article appeared in Nan Yang Siang Pau last month. It says government's allocation for PRS Youth Incentive only used up 8% of its total allocation. This means there are still a lot of money for youths to claim. This also means lots of youth still do not know about PRS Youth Incentive.	这是上个月刊登在南洋商报的文章。文章说政府为私人退休金预备的青年奖掖仅仅发出了总数的8%。这说明还有很多钱等着青年人去索取。亦说明许多青年人仍不晓得私人退休金青年奖掖。
Immediately upon reading the news, I snap the news and forwarded to my clients regardless of their age. The older one may have kids or relative who might be in the age that qualifies for the incentive.	我一读完文章，就赶紧拍下传给顾客们，也不管他们的年龄。比较年长的顾客可能会有孩子或亲戚符合资格。
PPA is aggressively promoting proper retirement fund planning through extra savings in PRS. Normally, we do not have idea of how much to save. According to PPA suggestion, just another 10% savings will do a lot of difference.	PPA正积极的推动人民额外储蓄在私人退休金以便更好地准备退休金。一般上，我们可能不晓得该存多少钱。根据PPA的建议，多存10%就有很大的不同。
Let's understand that we already have 23%~24% savings through EPF. Meaning we need to fork out 10% from our pocket money. That's all. The newspaper also point out the difference with or without the extra 10%.	我们明白通过公积金，我们已经储蓄了23%至24%。那我们只需要从口袋多存10%就可以了。文章也指出有无10%的差别。
In the illustration, it is RM690K vs RM1.1Mil. So, it's RM400K difference with that extra 10% savings. I think RM400K is a substantial amount. It is remarkable an extra RM320 a month can do such wonders.	根据例子，差别是69万对110万。所以是40万的差别。我觉得40万是蛮大的数目。而每月多320元就可以创造这笔数目真是厉害。
Let's all seriously think about saving that extra 10%.	让我们认真想想多存10%吧。