I have few questions regarding to this PRS,

1. How to calculate the "first 10 years tax relief" ? its start on since 2012, or the year that we start invest in the PRS ?

2. in what condition, we are able to withdraw all the amount in PRS? except for the account B 30% withdrawal with 8% penalty.

3. Is it really worth the RM3000 tax relief annually to invest on the PRS? what do u guys personally think of this?

4. Is there any PRS that can allow us to set our own duration of the investment?
for example like 10 years or 20 years later able to withdraw full amount .