It depends on when (the date) deposit & when (the date) you withdraw.

The interest is calculated monthly but they have a cut-off date every month. That’s why they are doing maintenance every month.

CCs (CB depending on CCs) -> Boost (guaranteed 2% + up to 17% bonus) -> SSPN-i (4% + 0.5% bonus if you qualified)

As a results, the return is min. 6%. This return is even better than OCBC 360 and other FDs. It is good to park our emergency fund. At the same time, it can be used to reduce the PTPTN loan amount for your kids.

CCs (Cashback depending on CCs) -> BigPay (Big Points = 0.1%) -> Boost (guaranteed 2% + up to 17% bonus) -> SSPN-i (4% + 0.5% bonus if you qualified) -> Tax Relief (% depending on your tax bracket).

As a result, return is min. 6% and above. Interesting?

When did you deposit?

Did you do "deposit in Dec" and "withdraw in Jan"?

https://www.thestar.com.my/news/education/2...ves-for-parents

Another possibility is you have exceeded the monthly spend limit.

I assume your are Dec in Jan out club member. Haha!

We are paying RM1 for the service. That’s called Service Charge.

An option for you is OCBC 360 4.1%.

When did you deposit, and when will you plan to withdraw? SSPN-i interest calculation is not a daily calculation.

The cut-off date for interest calculation is the 5th of every month.

As long as the deposit date is before 6th, i.e., 1st, 2nd, 3rd, 4th & 5th - counted one month interest.

Any deposit date after 5th, i.e., 6th until the end of the month - counted zero interest for that month.

https://www.theedgemarkets.com/article/ptpt...erid=1577947981

“We will announce in mid-January the dividend for 2019," he told reporters after attending the 'Back to School' programme here last night.

I can't advise you on this as I save for my kid's education.

My advice is everything must do in moderation.

1 to 1 is ok. Many to 1, I don’t know. Haha

You are right.