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 SSPN, Skim Simpanan Pendidikan Nasional

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LostAndFound
post May 7 2026, 11:54 AM
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I more concerned why no ganjaran kesetiaan =(
yujeeoh
post May 7 2026, 12:38 PM
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can check dividend already, but you have go into your account transaction list page to see the amount.
guy3288
post May 7 2026, 01:02 PM
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QUOTE(LostAndFound @ May 7 2026, 11:54 AM)
I more concerned why no ganjaran kesetiaan =(
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Every year kasi take boleh tahan lo..

Too many very clever

withdraw to put back...
seanlam
post May 7 2026, 01:22 PM

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QUOTE(yujeeoh @ May 7 2026, 12:38 PM)
can check dividend already, but you have go into your account transaction list page to see the amount.
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how long duration to meet before receiving dividend? mine figures seem like nothing change
wira1979
post May 7 2026, 01:51 PM

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QUOTE(seanlam @ May 7 2026, 01:22 PM)
how long duration to meet before receiving dividend? mine figures seem like nothing change
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I think dividend still not in as mine also the same. To answer your question, as long as you hold some amount for a complete calendar month, you'll be entitled to dividend.
yujeeoh
post May 7 2026, 02:40 PM
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QUOTE(seanlam @ May 7 2026, 01:22 PM)
how long duration to meet before receiving dividend? mine figures seem like nothing change
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Currently it's not reflected in the total amount displayed in your account page, but if you go to the Transaction List page, it'll show you dividend being credited to you.

Perhaps tomorrow only will reflect in the total amount in your account front page.
Coin2decide
post May 7 2026, 02:44 PM

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server cant handle too many request until system down sad.gif
magika
post May 7 2026, 03:43 PM
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Went to withdraw sspn, not able to withdraw as dividend not credited and left blank withdrawal form for them to process later. Expected 10th of this month.


ronnie
post May 7 2026, 04:17 PM

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it's in for me..but list under transaction details only
1/1/2026 - Dividend - RMx,x,x,x,x,x
poweredbydiscuz
post May 7 2026, 04:26 PM

 
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Ada juga lol

user posted image
guy3288
post May 7 2026, 05:00 PM
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Dividend is considered a bonus, amount is small considered the gain from tax relief ...too bad no ganjaran 1% this year...


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ronnie
post May 7 2026, 05:09 PM

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QUOTE(guy3288 @ May 7 2026, 05:00 PM)
Dividend is considered a bonus, amount is small considered the gain from tax relief ...too bad no ganjaran 1% this year...
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then can put RM8k in Dec 2026
guy3288
post May 7 2026, 05:53 PM
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QUOTE(wira1979 @ May 7 2026, 01:51 PM)
I think dividend still not in as mine also the same. To answer your question, as long as you hold some amount for a complete calendar month, you'll be entitled to dividend.
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To get max dividend, you try not to withdraw until after 5th each month....if you want to deposit do it before 5th also

QUOTE(ronnie @ May 7 2026, 05:09 PM)
then can put RM8k in Dec 2026
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Yes sure , but it is nett rm8k bro..in my case I have to deposit more than 200k to get nett 8k
jackytiong
post May 7 2026, 06:16 PM

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check the statement section ya, not the main page baki
LostAndFound
post May 7 2026, 08:48 PM
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QUOTE(guy3288 @ May 7 2026, 05:00 PM)
Dividend is considered a bonus, amount is small considered the gain from tax relief ...too bad no ganjaran 1% this year...
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Tax relief capped at roughly 2k (if 25% tax rate) and your screenshots show dividend amount more than that. Amount is small?
ronnie
post May 8 2026, 08:17 AM

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QUOTE(guy3288 @ May 7 2026, 05:53 PM)
To get max dividend, you try not to withdraw until after 5th each month....if you want to deposit do it before 5th also
Yes sure , but it is nett rm8k bro..in my case I have to deposit more than 200k to get nett 8k
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well you took out RM200k and park in somewhere better than 4.1% - now just bring it back for tax relief
ronnie
post May 8 2026, 08:18 AM

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So far my SSPN since Mar-2009 has achieved CAGR around 6.85% (based on Excel's XIRR formula)

This post has been edited by ronnie: May 8 2026, 08:18 AM
MGM
post May 8 2026, 08:43 AM
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QUOTE(ronnie @ May 8 2026, 08:18 AM)
So far my SSPN since Mar-2009 has achieved CAGR around 6.85% (based on Excel's XIRR formula)
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Impressive, this is inclusive of the tax relief of how many %? No withdrawal at all?

This post has been edited by MGM: May 8 2026, 08:44 AM
wira1979
post May 8 2026, 08:51 AM

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Just confirmed that my wife's account still received dividends although we emptied out the account around May last year. TIme to empty out my account and put 8K into hers this year.

Think it's really a bad move by the Gomen to only allow one parent to claim the 8K tax relief. Imagine the additional funds in PTPTN if they had maintained this. Keeping the 8K relief for both parents would’ve been a huge win for Malaysian families, as it effectively encourages households to double down on their long-term savings.
ronnie
post May 8 2026, 08:52 AM

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QUOTE(MGM @ May 8 2026, 08:43 AM)
Impressive, this is inclusive of the tax relief of how many %? No withdrawal at all?
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no withdrawal exclude tax relief also

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