SSPN, Skim Simpanan Pendidikan Nasional
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 Dec 26 2017, 04:41 PM
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Senior Member
1,229 posts Joined: Jan 2003 From: Malacca   
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QUOTE(Kaka23 @ Dec 26 2017, 03:16 PM) your is SSPN-i PLUS AFAIK, takaful only for SSPN-i PLUS, SSPN-i is only saving.I would want to check for SSPN-i ..?  SSPN-i PLUS = saving + insurance. SSPN-i = saving |
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Dec 26 2017, 06:48 PM
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Senior Member
2,526 posts Joined: Feb 2011
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QUOTE(Amanda85 @ Dec 26 2017, 02:38 PM) we went to maybank and straight away open sspn account and bank in 6k. got the receipt as proof, i think it should be alright. the 14 days it to get an official letter from SSPN. Thanks for the advice! |
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Dec 27 2017, 10:34 AM
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Junior Member
531 posts Joined: Oct 2016
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QUOTE(alex_cyw1985 @ Dec 26 2017, 04:41 PM) AFAIK, takaful only for SSPN-i PLUS, SSPN-i is only saving. SSPN-i also comes with free takaful, but the T&C are not mentioned on their website. Only the following:SSPN-i PLUS = saving + insurance. SSPN-i = saving QUOTE Keistimewaan: https://www.ptptn.gov.my/web/guest/simpanan/insurans1. Premium dibayar oleh PTPTN. 2. Perlindungan Ringgit ke Ringgit (takaful am) dan RM100,000.00 (takaful amanah). 3. Khairat/ pampasan kematian untuk pendeposit (RM2,000.00) dan penerima manfaat (RM500.00). Syarat-syarat: 1. Perlindungan takaful secara percuma berupa manfaat kematian/ ilat kekal menyeluruh (TPD) (RM kepada RM) dan khairat kematian disediakan kepada pendeposit yang layak dan berumur 18 sehingga sebelum berumur 65 tahun. Khairat kematian kepada penerima manfaat yang berumur 1 hari hingga 28 tahun juga disediakan tertakluk kepada syarat dan peraturan yang ditetapkan. *Layak sebelum tarikh ulang tahun kelahiran. 2. Perlindungan: i. Kematian Amaun Manfaat bersamaan dengan baki akaun (RM kepada RM) Khairat Kematian bersamaan RM2,000.00 (pendeposit) Khairat Kematian bersamaan RM500.00 (penerima manfaat) ii. Keilatan Kekal Menyeluruh (TPD) Amaun Manfaat bersamaan dengan baki akaun (RM kepada RM) sehingga RM2,500,000.00 maksimum. * Tertakluk kepada syarat-syarat yang ditakrifkan di dalam Sijil Induk. From the description, it seems like if you have say RM100k in your child's SSPN-i, PTPTN will provide RM100k life takaful which covers death and TPD. In other words, if you were to pass away, your child will get the RM100k in his/her SSPN-i, plus another RM100k as hibah. Sounds pretty good, though you might as well dump the 100k in ASB or unit trust for higher profit, and then purchase a life takaful yourself. RM100k life takaful (without savings) is quite cheap when you're young and not a smoker. If you're below 30 years old, it's only less than RM250 per year, or around RM20 per month. If you need the T&C, you need to either call PTPTN HQ or go there. I went to PTPTN branch in Kinrara to ask for the T&C, but they told me only HQ can provide it. By the way, is there still time to contribute to SSPN-i and be eligible for this year's tax relief? I haven't maxed the 6k, but last weekend I got a small windfall. Thinking of dumping it into my child's SSPN-i.  This post has been edited by imnotabot: Dec 27 2017, 10:39 AM |
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Dec 27 2017, 01:31 PM
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Senior Member
8,259 posts Joined: Sep 2009 
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QUOTE(imnotabot @ Dec 27 2017, 10:34 AM) SSPN-i also comes with free takaful, but the T&C are not mentioned on their website. Only the following: ah.. thanks for the update!https://www.ptptn.gov.my/web/guest/simpanan/insurans From the description, it seems like if you have say RM100k in your child's SSPN-i, PTPTN will provide RM100k life takaful which covers death and TPD. In other words, if you were to pass away, your child will get the RM100k in his/her SSPN-i, plus another RM100k as hibah. Sounds pretty good, though you might as well dump the 100k in ASB or unit trust for higher profit, and then purchase a life takaful yourself. RM100k life takaful (without savings) is quite cheap when you're young and not a smoker. If you're below 30 years old, it's only less than RM250 per year, or around RM20 per month. If you need the T&C, you need to either call PTPTN HQ or go there. I went to PTPTN branch in Kinrara to ask for the T&C, but they told me only HQ can provide it. By the way, is there still time to contribute to SSPN-i and be eligible for this year's tax relief? I haven't maxed the 6k, but last weekend I got a small windfall. Thinking of dumping it into my child's SSPN-i. |
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Dec 27 2017, 02:25 PM
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Senior Member
4,436 posts Joined: Oct 2008
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2017 duty as a dad aka gift to child DONE!
SSPN-i quota filled as of today. Xuzen This post has been edited by xuzen: Dec 27 2017, 02:26 PM |
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Dec 28 2017, 03:04 PM
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Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
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Anyone know when does the dividend/interest comes in???
The amount that I put last year still does not have any dividend  |
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Dec 28 2017, 03:15 PM
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All Stars
14,855 posts Joined: Mar 2015
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QUOTE(fun_feng @ Dec 28 2017, 03:04 PM) Anyone know when does the dividend/interest comes in??? normally in Mar/Apr can see liao....The amount that I put last year still does not have any dividend maybe you put in after the cut of date?  (ex...maybe, maybe you put in on 26 Dec 2016......thus maybe they cannot process it.....) |
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Dec 28 2017, 03:36 PM
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Senior Member
2,289 posts Joined: Jan 2003 From: Stairway to Heaven
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QUOTE(MUM @ Dec 28 2017, 03:15 PM) normally in Mar/Apr can see liao.... So it will be prorated then?maybe you put in after the cut of date? (ex...maybe, maybe you put in on 26 Dec 2016......thus maybe they cannot process it.....) |
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Dec 28 2017, 03:45 PM
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Senior Member
3,845 posts Joined: Aug 2005
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QUOTE(alex_cyw1985 @ Dec 26 2017, 04:41 PM) AFAIK, takaful only for SSPN-i PLUS, SSPN-i is only saving. When I inquired, and if I understood correctlySSPN-i PLUS = saving + insurance. SSPN-i = saving SSPN-i PLUS -> must be monthly installment and insurance payment is separate (not sure if its cheaper than market rate for insurance) SSPN-i -> can be paid one lump sum |
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Dec 28 2017, 06:24 PM
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Newbie
5 posts Joined: Jan 2013
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I enquired as well and got the same info.
SSPN-i PLUS is monthly installment. Even if you pay max, they will only take $500. Was told to upgrade to PLUS next year and just do the SSPN-i first |
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Dec 29 2017, 11:00 PM
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Senior Member
546 posts Joined: Apr 2010
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got the usual, an umbrella for 6k deposit. Apparently, they have quota to fulfil. Few calls made to few counters are so gung-ho on me paying at their branch, even reserving the umbrella first to collect later
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Jan 3 2018, 07:59 PM
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Junior Member
266 posts Joined: Jan 2003
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SSPN still entitled for tax relief year 2018? Coz thinking start to pay monthly now
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Jan 4 2018, 11:19 AM
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Junior Member
97 posts Joined: Dec 2013
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QUOTE(CKyoon @ Jan 3 2018, 07:59 PM) SSPN still entitled for tax relief year 2018? Coz thinking start to pay monthly now Yes, RM6k tax relief extended until 2020 |
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Jan 5 2018, 01:32 AM
Show posts by this member only | IPv6 | Post
#1094
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Junior Member
105 posts Joined: Mar 2012
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QUOTE(MUM @ Dec 28 2017, 03:15 PM) normally in Mar/Apr can see liao.... maybe you put in after the cut of date? (ex...maybe, maybe you put in on 26 Dec 2016......thus maybe they cannot process it.....) any1 knows when is the cut off date? |
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Jan 5 2018, 06:27 AM
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Senior Member
5,143 posts Joined: Jan 2015
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deleted...wrong referenced
 This post has been edited by T231H: Jan 5 2018, 10:06 AM |
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Jan 5 2018, 08:46 AM
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Junior Member
81 posts Joined: Oct 2012
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SSPN-i when withraw, is there any document need to bring?
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Jan 5 2018, 09:12 AM
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Junior Member
266 posts Joined: Jan 2003
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QUOTE(Average-Joe @ Jan 4 2018, 11:19 AM) Yes, RM6k tax relief extended until 2020 Thanks. |
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Jan 8 2018, 02:19 PM
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Junior Member
81 posts Joined: Oct 2012
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is there anyone withdraw sspn-i money already?
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Jan 8 2018, 07:43 PM
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Senior Member
3,567 posts Joined: Jan 2003 From: Paradise
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The online system still down. Can't access to check account.
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Jan 8 2018, 07:54 PM
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Senior Member
8,188 posts Joined: Apr 2013
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QUOTE(basSist @ Jan 8 2018, 07:43 PM) The online system still down. Can't access to check account. try this?http://esspniplus.ptptn.gov.my/penyatasp/semakakaun.php after entering this site..... there is a link ...."Semakan Penyatat SSPNi" same as below but......I tried copy paste here cannot.....guess have to go thru that link https://www.ptptn.gov.my/saving/sspnlogin.html This post has been edited by yklooi: Jan 8 2018, 07:58 PM |
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