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 SSPN, Skim Simpanan Pendidikan Nasional

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kochin
post Jan 20 2021, 03:02 PM

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From: Malaysia
QUOTE(familyfirst @ Jan 20 2021, 02:04 PM)
user posted image
So basically there is no limit to how much you can deposit/top up during this promo period but the max bonus ganjaran of the 1% is RM8,000 - betul ka?
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meaning it's capped at incremental deposit of RM800k during the campaign period?
kochin
post Jan 20 2021, 05:05 PM

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All Stars
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From: Malaysia
QUOTE(yklooi @ Jan 20 2021, 03:21 PM)
yes, that is what i read previously....
ex,. you can deposit RM1mil during the promo period, but they will just take the RM8000 x 1% = RM80 only....
which mean you will get RM80 more than those that did not deposit during the promo period...(without taking into the pro rated dividend calculation)

but looks like last year there is no cap.... thumbup.gif  thumbup.gif
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ganjaran maximum = 1% of the deposited amount
if ganjaran maximum is RM8000, thus it's RM8000/1% = maximum incremental deposit amount.

that's what i interpret.

anybody care to clarify?
kochin
post Jan 21 2021, 02:50 PM

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From: Malaysia
the gifts from sspn is pretty low end.
even the umbrellas and bags from them don't last long.
kochin
post Feb 2 2021, 10:25 AM

I just hope I do!
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All Stars
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From: Malaysia
QUOTE(yfwai @ Feb 1 2021, 11:57 AM)
via fpx SPPN EVENT GIFT kettle，bag.....
via boost Coin....
Now very unlucky boost payment hanging......
Boost Coin Not Items Can Change....
bangwall.gif  bangwall.gif  bangwall.gif  bangwall.gif  bangwall.gif  bangwall.gif
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any link to share for this fpx event or gifts?

thanks.
kochin
post Feb 8 2021, 09:37 AM

I just hope I do!
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All Stars
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From: Malaysia
appreciate if some one starts compiling a list of agents who rewards loyal customers. hehe:)

btw, lovesspn landing page mentioned an announcement from today onwards but nothing yet.
anybody got any lead, please share ya.

thanks.
kochin
post Feb 8 2021, 11:08 AM

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********
All Stars
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From: Malaysia
not very attractive. lucky draw only.
been years and never even win a consolation prize.
prefer to have something fixed like RM1 for every RM100 deposited. haha.
kochin
post Feb 10 2021, 11:24 AM

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From: Malaysia
https://www.thestar.com.my/business/busines...-rm11846m-in-1h

this is an interesting read.
assuming if end 2020 their total is say rm7bil. they would need rm280mil to declare 4% again?
first half at rm118mil but still 20% higher than last year? hhmmmm...
kochin
post Feb 19 2021, 02:40 PM

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From: Malaysia
QUOTE(MUM @ Feb 19 2021, 12:41 PM)
while waiting for value added responses, i googled and found this,...

#4. How much can you borrow from PTPTN?
In an ideal world, you would be able to borrow as much as you needed, but unfortunately, this is not the case for PTPTN.
Your PTPTN loan amount will depend on three things: (1) your household income, (2) the type of institution you are attending and (3) the course you are pursuing.

PTPTN loans are needs-based, which means:

Lower-income families will be able to borrow a larger amount
Loans for private institutions are higher compared to public institutions since the tuition fees are typically higher
Science-related courses have higher loan amounts compared to humanities courses

https://eduadvisor.my/your-complete-guide-t...an-in-malaysia/

According to PTPTN, the amount given is based on three categories. You guys cab refer to the table below:
https://afterschool.my/ptptn-guides/ptptn-guide-2017
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when i was pursuing tertiary education, i remember the categories are defined as:
a) local art stream subject
b) local science stream subject
c) private art stream subject
d) private science stream subject

and the amount if i am not mistaken then was something like:
a) 3000/semester
b) 3500/semester
c) 6000/semester
d) 7000/semester
kochin
post Feb 22 2021, 02:48 PM

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From: Malaysia
and still no news of dividend yet
kochin
post Feb 24 2021, 12:43 PM

I just hope I do!
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All Stars
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From: Malaysia
Seriously anybody mind pm me your recommended Sspn agent contact that can give free gifts?!
Time to go in for the additional interest
kochin
post Feb 24 2021, 12:45 PM

I just hope I do!
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From: Malaysia
QUOTE(GrumpyNooby @ Feb 24 2021, 12:43 PM)
What is the dividend rate are you forecasting for this year?
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Not forecast but confirmed as 1% mah.
But for such a short period and if you annualised and say park it in one month, it translates to 12% return
kochin
post Feb 24 2021, 12:48 PM

I just hope I do!
********
All Stars
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From: Malaysia
QUOTE(GrumpyNooby @ Feb 24 2021, 12:45 PM)
So you're putting in just for the Ganjaran Kesetiaan?
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1. For the tax relief, sole priority. Rm8k
2. Yearly dividend, treat as bonus. Not in consideration actually
3. For the 1%, yes as a special bonus or FD. Will take out in May. Considering to pump in $$$$$$ to maximise short term return
kochin
post Feb 24 2021, 03:43 PM

I just hope I do!
********
All Stars
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From: Malaysia
QUOTE(canjeth @ Feb 24 2021, 01:51 PM)
You can go through the comments in the fb live video just now. Some ptptn agents left their contacts there.
https://www.facebook.com/PTPTNOfficial/vide...564251520440894
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i only saw one agent contact after screening through 130 comments. and the agent is based in johor. sad.gif

thanks anyway.
kochin
post Mar 24 2022, 02:29 PM

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QUOTE(mikeeeee @ Mar 24 2022, 01:34 PM)
So any trusted agent to share ? Planning to deposit some funds for the kesetiaan reward. Don't mind some free gifts 😝
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please share the same to me too.

sorry if these are answered before, but may i ask:
1. tax incentives are valid until when or conditions of the incentive? i.e. kids upon reaching what age or ???
2. let's say if kids reached the maturity condition and ineligible anymore, can we divert to second child's account? need to open a new account? because i have been contributing the max allowable incentive i.e RM8k to my eldest only.

thanks in advance
kochin
post Mar 24 2022, 03:14 PM

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All Stars
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From: Malaysia
QUOTE(WaCKy-Angel @ Mar 24 2022, 03:01 PM)
1. iinm 18 but u can get this info from SSPN website.

2. Nope. 8K tax relief is per contributor not per child. If u have 1p child also max 8k only
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not sure whether this is official or not (it seems there are tonnes of sspn website).

but if i were to follow this interpretation:
1. it's not 18 but until 29 instead. am not sure whether only age is governing factor or must have proof that the child is still a student?
2. solely judging from the information, it would suggest that i can open another account for my second child once my first reaches the condition i.e. 29 years old.

anybody else can confirm my assumptions please?



Attached File(s)
Attached File  sspn.pdf ( 68.79k ) Number of downloads: 13
kochin
post Mar 24 2022, 03:53 PM

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From: Malaysia
QUOTE(magika @ Mar 24 2022, 03:41 PM)
Husband and wife can even open same child account and each can claim 8k separately. Can also open account for all your children as beneficiary and only those below 29yrs  can claim tax relief. It will be computed automatically in your tax form so no need to keyin.

Other than that you can also open single name account to be used for Saving purposes.
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we are currently operating on me contributing to 1st child and wife to 2nd child.
means i need to switch to 2nd child once the 1st hits 29 right?
should i open the account now or later? any difference?

many thanks for your reply.
kochin
post Mar 25 2022, 06:39 PM

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From: Malaysia
what's the best method to pay sspn?
boost vs shoppee pay?
kochin
post Apr 6 2022, 10:45 PM

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********
All Stars
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From: Malaysia
Just deposited a handsome sum to two accounts
Appreciate if anyone can share with me trusted agent contact for me to seek freebies ie umbrella
kochin
post Mar 4 2023, 01:51 PM

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really no more tax relief commencing from this year? so this year no need pump in anymore?
kochin
post Oct 2 2023, 09:20 AM

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QUOTE(ccschua @ Oct 2 2023, 09:01 AM)
does anyone what freegift u get if top up 8k ?
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i got a recycling bag and a sling bag for 16k.
there were also umbrellas, school bag, pens, etc that i did not opt for.
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