Yesterday I tried 499 and i need to pay 501 and i didn't proceed. Today try again 499 and need to pay 500 only. not sure if system issue yesterday

After 2 months still behave weirdly.

My deposit on 22 Sept (Lazada) is missing. Deposit on 23 Sept (Shopee) already reflected. The shitty thing is Lazada CS can't help much. Those who use Lazada better double and triple check to ensure all funds are reflected correctly.

In your example, you gotta take note... Even though the max claim is RM8k, you should not claim RM4k for the husband and another RM4k for the wife. Choose either ONE to claim.

but your payment success on 24 sept right?

Yeah my 22nd Sept transaction only change to success on 24th of September. Not sure will come in later or not la. I never experience a gap before in crediting.

To be fair, you should ALWAYS claim 100% on one spouse, the one who pays more tax. And if both are in the same bracket then it makes no difference who claims it.

The only edge case where splitting up makes sense is if both spouses are need ~4000 to drop to a lower tax bracket... super unlikely.

So how did you get your money in sspn?

I checked my SSPN yesterday, there are two transactions on 24 September 2025. One from Shopeepay, one from Lazada. My transaction on 22nd September appeared as 24th September.

Despite me not preferring this but me and my wife will practice this way now which is better.

This year me claim full Next year she claim full. Good thing means none of us need to maintain our ori amount anymore. This year I still need maintain while she withdraw all since she no claim. Next year she just need put in 8k while i withdraw all and no need maintain big sum anymore

For those with similar tax bracket makes sense. Difference in tax bracket means doesn't make sense for me unfortunately. For now I'm okay to allow the amount to build up, it's not sitting there for 12 months after all. Pull out, put in during ganjaran period, then pull out and deposit just enough ngam ngam by end of year.

yeah..mine the same tax bracket so it works for me.

I think this will still be worth it to do if husband and wife having 25% and 26% tax bracket, respectively. Anything beyond that not worth it based on my cincai maths.

Can we start withdrawing deposits placed for ganjaran on 6-Oct while still eligible for the extra 1% to be credited in December?

Tempoh pengekalan is till 30 Sep, so tomorrow can withdraw already.

Then u don't earn sept regular monthly interest.

His question was about the 1% ganjaran though.

And I don't think anyone has conclusively said anything about the 6th being cut off date for monthly. The information we have is that deposits before the 6th will be considered part of that month interest/dividend, but some have claimed that can withdraw on 1st.

Most of us will play safe and wait a bit though

Monday big withdrawals coming...where to dump the money...

Kdi ryt atlas boost will overflow...

This post has been edited by guy3288: Oct 3 2025, 12:07 PM

I’m dumping into moomoo cash plus money market funds. Can claim bonus extra 1.5% interest now. Base around 3.3% + bonus 1.5% so can get around 4.8%

cap at 30k for 30 days only correct?