Today on Ringgit and Sense, Roshan gets into the Private Retirement Scheme, especially as the year ends and people look for ways to maximise their tax reliefs. However if you've already got EPF, do you need to lock up your money with a PRS as well?

Roshan gets into fees and competition for PRS funds, as well as a look at REITs as Manulife looks to Asia Pacific for its Reit funds.