提名受益人给你的挚爱

1. 我为什么要进行提名？
我们鼓励您指定受益人，以便在您去世后，由指定人士快速提取您的私人退休储蓄计划(PRS) 余额。这也能让会员确信，他们的 PRS 余额将由他们选择的人管理。如果您选择不指定受益人，您的余额将按照伊斯兰教法进行分配。但是，这个过程可能需要更长时间。

2. 我什么时候可以进行提名？
您可以在PRS账户开通后的任何时间通过填写以下表格进行提名：PPA提名表 。

3. 我在哪里可以获得PPA提名表格？
您可以下载形式提名购电协议或者从您的 PRS 提供商或 PRS 顾问处获取表格。

4. 我有资格提名吗？
仅限以下会员：

• 马来西亚公民；或
• 已获得马来西亚永久居民身份的非马来西亚公民有资格进行提名。

5. 谁可以被提名为候选人/管理员？
您可以提名任何“自然人”作为被提名人/管理员。“自然人”指的是个人，不指组织、协会、慈善机构等。

建议您指定近亲属（例如配偶、子女或父母）来管理您的私人退休储蓄账户余额。但是，如果您指定非近亲属作为受益人，这种指定也是可以接受的。

您可以指定您的未成年子女作为您的遗产管理人。但是，未成年人必须年满18周岁才能担任遗产管理人。如果您在未成年子女年满18周岁之前去世，则该指定将被视为撤销，因为未成年子女不具备担任遗产管理人的法律资格。届时，您的部分个人退休金将支付给您遗产的法定管理人。

6. 我可以任命的候选人数量有限制吗？
您可以提名一名（1）个人或多名个人，但人数不得超过六（6）人。

7. 我可以提名的次数有限制吗？
不，提名次数没有限制。

但是请注意，提交给 PPA 或 PRS 提供商的任何新的提名表格将被视为最新提名，并将取代任何先前作出的提名。

8. 我如何进行提名？
您需要与您的PRS顾问/PRS提供商/PPA进行面对面会谈，并提交以下文件，这些文件必须完整且符合要求：

• PPA提名表 ; 和
• 成员身份证（MyKad/警察身份证/军人身份证/永久居民身份证（MyPR））正反面复印件。

PRS顾问/PRS提供商需要查看您的身份证件并核实您的身份。相关PRS提供商随后会将表格转发给PPA。您也可以直接将表格提交给PPA。

9. 我在进行提名时需要证人吗？
是的，需要证人。您可以选择任何年满18周岁且神志清醒的人作为您提名时的证人，但以下人员除外：

• 被选为候选人的人；
• 提名夫妇；
• PPA工作人员；或
• PRS提供商的员工/顾问。

向 PPA 或 PRS 提供商提交提名表时，无需证人亲自到场。

10. 我的提名何时生效？
当 PRS/PPA 提供商收到已填妥并经见证的提名表时，您的提名即生效。

11. 我如何修改我的PRS提名？
您可以完成PPA提名表新的提名将取代您之前提交的所有提名。

12. 我拥有多个私人退休储蓄计划 (PRS) 账户，因为我在多家 PRS 提供商处有投资。我可以填写不同的提名表格，为每个 PRS 账户指定不同的受益人吗？
不，所有私人租赁账户只需填写一份（1）PPA提名表。

13. 我如何查看我的提名？
您登录PPA网站（www.ppa.my）的PRS会员门户后，即可查看您的提名详情。PPA也会通过电子邮件向您发送提名确认信息，其中包含您的提名详情。

14.  我如何取消我的提名？
您可以填写并提交提名取消表如果您希望取消之前做出的提名，并且不希望指定任何其他人
在您去世后领取您的 PRS 余额，请联系您的 PRS 提供商/顾问/PPA。

特此告知，如下所述，还有其他一些情况也会导致该成员先前所作的提名无效。这些情况包括：

• 若 PPA 提名表中所列的所有候选人在会员有生之年全部去世；
• 当会员提交新的PPA提名表时；
• 如果被提名人未在穆斯林成员去世后一（1）年内提交提款表格（一年期限是为了确保被提名人尽快采取行动，加快PRS余额的分配）；
• 如果候选人依法不具备担任管理者的能力（例如，未满 18 岁或被证明患有永久性完全残疾或精神残疾）

注意：遗嘱不得撤销提名。

15. 当我的情况发生变化时（例如结婚、生孩子、被提名人去世），我是否需要更新我的提名？
如果您的个人情况发生变化（例如结婚、生育、受益人去世），我们鼓励您更新提名信息，使其与您当前的情况相符。如果您不更新提名信息，PPA提名表中指定的个人将获得PRS账户中的余额。

例如：您目前的提名表格上列有您的父母作为候选人。您刚刚结婚，想在父母之外再添加您的配偶作为候选人。您需要重新填写一份提名表格，并填写您父母和配偶的详细信息。

16. 如果被提名人在我之前去世怎么办？
如果其中一位受益人 先于您去世，这不会影响另一位受益人 的分配。另一位受益人 可以继续履行作为遗产管理人的索取义务。

但是，分配给已故受益人的那部分款项应支付给该成员遗产的法定管理人。

17. 如果被指定为管理人的受托人没有按照伊斯兰教法分配PRS余额，该怎么办？
这超出了购房者协会 (PPA) 或私人退休计划 (PRS) 提供商的管辖范围，因为他们的职责仅限于根据购房者协会提名表支付 PRS 余额。购房者协会提名表将明确候选人作为管理人的职责，即根据伊斯兰教法分配 PRS 余额。

18. 如果被提名人在成员去世后去世，并且没有对PRS余额提出任何索赔，会发生什么情况？
如果被提名人在会员去世后但在提出任何提款要求之前去世，则PRS余额将归入会员的遗产。

19. 有人认识我提名的人吗？
不，您的提名是保密的。但是，在被提名人去世后，近亲或遗产管理人可以通过正当程序查询提名状态。

20.  成员去世后，近亲/遗嘱执行人/遗产管理人如何核查提名详情？
PPA 收到提名后，必须授予 PPA 会员的近亲或遗嘱执行人提名资格。提名详情查询表候选人可以联系您的PRS顾问/PRS提供商或PPA，了解更多流程信息。

21.  如果会员去世，提取款项需要哪些文件？
应聘者需提交以下文件，所有文件必须完整且符合要求：

• 会员去世后提取款项表格；
• 经核证的成员死亡证明副本；以及
• 被提名人身份证（MyKad/永久居民身份证（MyPR）/警察身份证/军人身份证）/护照（外国人）正反面复印件。

会员死亡提款单已完成的表格必须由被提名人通过 PRS 顾问发送给 PRS 提供商。

22.   如果有多个提名人，每个提名人是否需要提交单独的撤回表格？
是的，每位候选人都需要提交单独的表格，因为他们只能提取分配给自己的份额。他们也不需要集体提交表格。

23.  被提名人可以部分提取PRS余额吗？
不。被提名人必须按照分配给他/她的比例全额提取。

24.  提名表格中未列明的其他人能否代表候选人申领PRS余额？
除非提名被取消，否则款项必须支付给 PPA 提名表中所列的人员。

25.  被提名人向PPA或PRS提供商提交会员死亡提款表格是否有时间限制？
为确保被提名人尽快采取行动加快分配 PRS 余额，提款表格必须在成员去世后一 (1) 年内提交。

由于指定受益人资格在一年后即被视为撤销，因此提取流程将按无指定受益人的正常提取方式处理。在这种情况下，PRS账户中的余额将支付给会员遗产的法定管理人。

26.  付款方式有哪些？
付款方式有两种：一是将款项汇入受益人的有效银行账户，二是开具以受益人名义的支票。付款完成后，私人租赁服务提供商将通知受益人。

情景一：提名

Adam持有PRS提供商ABC和PRS提供商XYZ的PRS股份，如下所示：

他可以按以下步骤填写PPA提名表：

如果按照上述百分比或分配方式填写表格，妻子将在其 PRS 账户中接收/管理 Adam 所有PRS 持股的 60%，而 Adam 的兄弟将接收/管理剩余的 40%。

情景二：成员去世后，由指定受益人提取资金

亚当去世时，从亚当的PRS账户中提取PRS余额的流程如下：

The PRS holdings will be calculated as follows:

必须使用以下方式填写表格大写字母 和 仅限黑色墨水笔。

1. Why do I need to make a nomination?
You are encouraged to make a nomination to facilitate and expedite the withdrawal of your PRS balance by the nominated person(s) in the event of your death. It also provides a sense of certainty to members that their PRS balance will be given to the nominated person(s) of their choice. If you opt not to make any nomination, your PRS balance will be paid to a lawful executor or administrator of the member’s estate. This process however, may take longer.

2. When can I make a nomination?
You can make a nomination at any time after a PRS account has been opened by completing the PPA Nomination Form.

3. Where can I obtain the PPA Nomination Form?
You can download the PPA Nomination Form or obtain the form from your PRS Providers or PRS Consultant.

4. Am I eligible to make a nomination?
Only members who are:

• A Malaysian citizen; OR
• A non-Malaysian citizen who has obtained a Permanent Resident (PR) status in Malaysia is eligible to make a nomination.

5. Who can be named as a nominee/administrator?
You can nominate any ‘natural person’ as a nominee. ‘Natural person’ refers to individuals and does not refer to organisations, associations, societies, welfare bodies and others.

You may nominate your child/children who is/are a minor as your beneficiary. Generally, payment to a nominee may only be made when the nominee has turned 18 years old. However, their parent/legal guardian may withdraw on behalf of the minor nominee by furnishing either a Birth certificate (as proof of parentage) or a Court order (as proof of legal guardianship) where applicable.

6. Is there a limit to the number of nominees I can appoint?
You may nominate one (1) person or several persons subject to no more than six (6) individuals.

7. Is there a limit to the number of times that I can make my nomination?
No, there is no limit to the number of times which you can make a nomination.

However, please be informed that any new nomination form submitted to PPA or the PRS Provider will be treated as the latest nomination and will supersede previous nomination(s) made.

8. How do I make a nomination?
You are required to meet your PRS Consultant/ PRS Provider/ PPA in person to submit the following documents which must be complete and in order:

• PPA Nomination Form; and
• A copy front and back of Identification Card (MyKad/Police Identification Card / Military Identification Card / Permanent Resident Identification Card (MyPR)) of the member.

The PRS Consultant/ PRS Provider is required to sight your identification card and verify your identity. The relevant PRS Provider would then extend the forms to the PPA. Alternatively, you may submit the form directly to PPA.

9. Do I need a witness when making a nomination?
Yes, a witness is required. You can choose anyone who is 18 years old and above and of sound mind to be a witness to your nomination EXCEPT the following persons:

• the persons selected as nominee;
• the spouse of the nominee;
• an employee of the PPA; or
• an employee/consultant of the PRS Provider.

The witness is not required to be present in person when you submit the nomination form to PPA or the PRS Provider.

10. How do I make changes to my PRS nomination?
You can complete a new PPA Nomination Form. Your new nomination will supersede the earlier nomination which you have made.

11.  How could I revoke my nomination?
You may complete and submit a Revocation of Nomination Form to your PRS Provider/Consultant if you wish to revoke your previous nominations made and do not wish to nominate any other persons to receive your PRS balance upon your death.

For your information, there are other circumstances as set out below which would also revoke nominations previously made by members. These circumstances are:

• Upon the death of all of nominee(s) during the lifetime of the member; or
• When member submits a new PPA Nomination Form.

NOTE: Nomination shall not be revoked by a Will

12. When will my nomination be effective?
Your nomination will become effective when a completed and witnessed nomination form is received by a PRS Provider.

13. Do I have to update my nomination when there are changes to my circumstances (e.g. marriage, child birth, death of my nominee)?
If your circumstances have changed (e.g. marriage, birth, death of a nominee), you are encouraged to update your nomination to keep it relevant with your current circumstances.

If you do not update your nomination, the persons stated on the PPA Nomination Form will receive the balance in the PRS account.

Example: Your current nomination form lists down your father and mother as your nominees. You have just gotten married and would like to include your spouse as the nominee in addition to your parents. You will need to obtain a new nomination form and fill up the details of your parents and your spouse.

14. How can I check my nomination?
Your nomination details will be available upon logging onto PRS Members’ Portal via PPA’s website (www.ppa.my). You will also receive a confirmation from PPA that a nomination has been made inclusive of your nomination details via your email.

15. I have more than one PRS account as I have investments with multiple PRS Providers. Can I fill different nomination forms to provide different nominees for the respective PRS account?
No, only ONE PPA Nomination Form will apply to all PRS accounts with respective Providers.

16. What happens when nominee predeceases (dies before) me?
If one or all nominee dies and you have not made a new nomination form, the portion of deceased nominee shall be paid to a lawful executor or administrator of the member’s estate.

However even if one or more of the nominee(s) dies before you, this will not affect distribution to the other nominees. Other nominees can claim the PRS balance according to the direction of the nomination as a beneficiary.

17. What happens when a nominee dies after the death of a member, and did not make any claim on the PRS balance?
If the nominee dies after the member’s death but before he makes any claim for withdrawal, the PRS balance shall revert to the nominee’s estate and shall be paid to the lawful executor or administrator of the deceased nominee’s estate.

18. Can anyone know the person I have nominated?
No. Your nomination is confidential. However, there are proper procedures for the next of kin or executor to check on the nomination status once the member has passed away.

19.  Upon member’s death, how will the next of kin/ executor/ administrator check on the nomination details?
PPA shall provide nomination status to PPA Member’s next of kin or executor upon receiving the Nomination Details Enquiry Form. Nominees may approach the PRS Providers and PPA for more details on the process.

20. What documentation is required to make a withdrawal upon death of a member?
Nominee(s) is required to submit the following documents which must be complete and in order:-

• Withdrawal upon Death of a Member Form;
• Certified true copy of member’s death certificate; and
• A copy of front and back copy of nominee(s) Identification Card (MyKad/Permanent Resident Identification Card (MyPR)/ Police Identification Card/Military Identification Card)/ Passport (for foreigner).

The duly completed Withdrawal upon Death of a Member Form has to be submitted by the nominee to a PRS Provider through a PRS Consultant.

21. If there is more than one nominee, does each nominee need to submit separate withdrawal form?
Yes, each nominee is required to submit separate forms as they are allowed to withdraw only the percentage allocated to them. They are also not required to submit the form collectively.

22.  Can the nominee make partial withdrawals to the PRS balance?
No. The nominee must make full withdrawal based on the percentage allocated to him/her.

23. What if the nominee is still a minor (below the age of 18), upon member’s death?
As a general rule, the nominee will not be eligible to apply for the withdrawal until he/she has turned 18 years old. However, the parent/legal guardian of the nominee may withdraw on behalf of the minor nominee by furnishing either a Birth certificate (as proof of parentage) or a Court order (as proof of legal guardianship) where applicable.

The parent/legal guardian will be subjected to an execution of an undertaking that such amount paid will be applied solely for the maintenance and benefit of the nominee.

24.  What if the nominee is diagnosed as having permanent total disablement/ mental disability / serious disease after I have nominated him/her?
In the case of a nominee who is certified as having permanent total disablement (PTD)/ Serious Disease (SD)/ Mental Disability (MD) (as defined under the PRS Guidelines) by a medical practitioner registered under the Medical Act 1971 [Act 50], payment to the nominee may be subjected to the following scenarios :

25.  Can others not named in the nominee form claim the PRS balance on the nominee’s behalf?
Disbursements shall only be made to those named in the PPA Nomination Form, unless the nomination has been revoked.

26.  What is the mode of payment?
The mode of payment is either through crediting into the bank account of the respective nominee or issuing a cheque in the name of the nominee(s). Nominee(s) will be notified by the PRS Providers when disbursement is complete.

Scenario 1: Making a nomination

Adam has PRS holdings with PRS Provider ABC and PRS Provider XYZ as shown below:

He may complete PPA’s nomination form as follows:

In filling up the form with the above percentage or allocation, the wife will receive/ administer 60% of all of Adam’s PRS holdings in his PRS account, while Adam’s brother will receive/ administer the remaining 40%

Scenario 2: Withdrawal by nominee upon death of the member

At the point of Adam’s death, the processes to withdraw the PRS balance from Adam’s PRS accounts are as shown below:

The PRS holdings will be calculated as follows:

Forms must be filled up using BLOCK LETTERS with a BLACK INK pen ONLY.