Yeah, if only for the tax relief, we must make sure we dont lose our capital or part of it. must buy the PRS that guarantees the capital. HWang DBS that one is Unit trust right? End return can be more but also can be less than your capital.?

I found one the Great Eastern PRS, not that great but at least can get back your capital, only on condition you don't die early, that's funny.

Pay RM3000  per year for 10 years, after that can get back all. But if die before paying up all the 10 years, you get back less than what  you have paid .