Just wondering.

Option 1- PRS
If I opt for PRS, I only manage to get all my investment after 55. Since this is no guarantee income coz depend on market. I may end up loss the money after retirement.

Option 2-Non PRS
I buy the fund by using fundsupermart, and I can withdraw my money anytime after reaching my profit target and before the market is collapse (assume). In the event for emergency, I can withdraw money immediately.

Above situation assuming that I do not entitled any incentives with age above 30.

Please provide any input and share your opinion.

Can know that 3k of tax relief equal to?