开设PRS账户前我应该考虑哪些因素？
在您参与私人退休计划 (PRS) 之前，请考虑您的年龄、收入、风险承受能力和退休目标。同时，请考虑您的生活开支和通货膨胀情况，并着眼于长期规划，而非短期市场波动。务必定期审查您的 PRS 投资组合，以确保其符合您不断变化的需求和目标。
1. Your Objectives
Your savings objectives can include capital growth, balancing growth and income and generating regular income.
2. Your Life Stage
Your risk appetite for investment depends on your current life stage.
3. Your Risk Appetite
What your comfort level is for investments that are higher risk with potentially higher returns vs lower risk and stable returns.
1. Your Objectives
Growth
Focus on maximizing capital growth through equities.
Growth & Income
Balance between capital growth and regular income with mixed assets (equities and bonds).
Income
Prioritize generating regular income through bonds and fixed income instruments.
2. Your Life Stage
Under 45 years old
You may want to focus on capital growths.
Between 45 – 54 years old
You may want a balanced portfolio of capital growth and income.
55 years old and above
You may be focused on generating sustainable income.
3. Your Risk Appetite
Aggressive
You are able to withstand market volatility and capital losses.
Moderate
You are looking at balancing market risk and returns.
Conservative
You are risk averse and seek capital preservation.
