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 SSPN, Skim Simpanan Pendidikan Nasional

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rinapua
post Mar 11 2022, 10:07 PM

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Hi....if use shopee pay to put in money...how many shopee coin can get? Thanks.

Example: pump in RM1000.
rinapua
post Mar 14 2022, 07:05 PM

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QUOTE(cempedaklife @ Mar 13 2022, 08:25 AM)
wont get coins, but you can utilize coins.
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you mean i can use coin as cash to top up ?
rinapua
post Mar 14 2022, 07:06 PM

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last time top up using boost got free star..now no more?
rinapua
post Mar 15 2022, 09:14 PM

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QUOTE(cempedaklife @ Mar 14 2022, 07:59 PM)
Yes. 999rm. Max redeem 3000 coins
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hi...can teach me how to do it? thanks.
rinapua
post Mar 22 2022, 09:03 AM

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QUOTE(cempedaklife @ Mar 15 2022, 09:54 PM)
what? its not different than when you buy any item in shopee and redeem coins during the purchase.
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OIC. Thanks.
rinapua
post Apr 1 2022, 11:38 AM

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Hi....any sifu try out the new apps myptptn? good to use?
rinapua
post Apr 14 2022, 07:23 PM

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Hi guys, when we want to withdraw we have to key the bank account no. for them to transfer in the money to the particular bank account? How long it takes to transfer? thanks.
rinapua
post May 31 2022, 06:36 PM

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Hi....anyone try to use the apps? Stable to use now?
rinapua
post Jun 15 2022, 07:42 PM

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nowadays a lot of case that ppl lost their money from bank saving/FD due to been transfer out by someone...very worry...though is it best choice that draw out the money and put in ptptn? at least more safer. what you guys think?

one more question, sspn - simpanan anda dijamin kerajaan. what this mean?

This post has been edited by rinapua: Jun 15 2022, 07:42 PM
rinapua
post Jun 15 2022, 08:26 PM

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QUOTE(MUM @ Jun 15 2022, 08:10 PM)
Some are afraid that sspn may reintroduce back the previous withdrawal conditions without notice...
Many had been placing in sspn instead of fd due to its returns are above fd rates.
Di jamin oleh kerajaaan,... My guess is, there is no fear of not getting back your money in cases of any eventuality of ptptn sspn goes belly up.
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sspn reintroduce back the previous withdrawal condition without notice? what this mean?
i just started to put in money in sspn last year.

returns is higher, money guarantee by government, no need worry money kena "curi" without notice, then i guess i should choose sspn. lol.
rinapua
post Jun 16 2022, 09:31 AM

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QUOTE(LostAndFound @ Jun 16 2022, 09:00 AM)
IMO higher than chances of your ATM card being stole AND pin number being known.

Malaysian economic/financial management not good. PTPTN itself is unsustainable (interest rate on our deposits is higher than interest rate on their 'investment' which is those students, without even counting their promo). We provide cashflow for promise of interest rate return, but in the end they will need government bailout. And at some point government won't be able to afford those bailouts. Prasarana debt, possible EPF hole, pension continue to pay out....
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ptptn should be using our cash to do some other investment to earn money right? example, unit trust, share...

many ppl is talking about keeping their money in the milo tin...lol...i think first choice for me is ptptn la cause at least if i put in 10K in there it wont disappear suddenly...dividen is 2nd point to think liao....

This post has been edited by rinapua: Jun 16 2022, 09:36 AM
rinapua
post Jun 16 2022, 12:09 PM

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QUOTE(LostAndFound @ Jun 16 2022, 10:13 AM)
Why 'should be'? What is PTPTN main business? Its loan for students to study. They charge 0% interest and after graduate is like 1% or so interest only.

SSPN cash helps for that cash flow to prevent government from having to pay first. Even if they invest (I guess will have some) the cash, it will only be a fraction of the total deposit. How much return they need from that to pay the 4%/3% returns they give to depositors? Again, not counting ganjaran kesetiaan, promo gifts etc.

Compare to EPF, where almost 100% of funds deposited is invested, and gives 6-7% return. Maths doesn't check out. Long term unsustainable.
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I wonder how ptptn pay the dividen to the depositor if they only get so low return from the students when pay back the money.
Where is the money come from? sweat.gif

I just checked with live chat the meaning of "simpanan anda dijamin kerajaan".


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rinapua
post Jul 1 2022, 04:48 PM

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QUOTE(cybpsych @ Jul 1 2022, 01:14 PM)
notification from kiple app

user posted image
addon from another notification...
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this is only for kiple, right?

This post has been edited by rinapua: Jul 1 2022, 04:49 PM


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rinapua
post Jul 2 2022, 10:27 AM

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Anyone encounter problem to log in sspn account to check balance and place payment by using sspn website?
rinapua
post Jul 4 2022, 08:32 PM

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QUOTE(cybpsych @ Jul 4 2022, 10:25 AM)
as PTPTN lor
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what is 2FA??
rinapua
post Aug 10 2022, 08:10 PM

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QUOTE(lovelyuser @ Aug 8 2022, 09:33 PM)
Got it when I check my PBe around 9pm

user posted image
user posted image
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Hi, you withdraw from SSPN website? withdraw on 06/08 and received on 10/08. Total 4 days.

You withdraw to public bank? its consider very fast.
rinapua
post Sep 22 2022, 10:24 PM

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Guys, refer below do I still entitle to claim for the 8K tax relief for 2023?

Deposit in 2022 - 50K
Withdraw out 2022 - 40K
Balance 2022 - 10K (entitle 8K tax relief year 2022)

Balance carry forward 2022 - 10K
Deposit 2023 - 10K
Withdraw out 2023 - 10K
Balance 2023 - 10K (entitle 8K tax relief year 2023?)

Thanks.
rinapua
post Sep 23 2022, 10:01 AM

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QUOTE(cybpsych @ Sep 22 2022, 10:36 PM)
2023

+10k deposit -10k withdraw = 0 zero nett deposit = no tax relief
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meaning they don't care how much withdrawal amount right?
as long as i every year got at least deposit 8K money in the account then i can get tax relief?




rinapua
post Sep 28 2022, 02:12 PM

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QUOTE(guy3288 @ Sep 28 2022, 01:48 PM)
buy Zcity Boost PINS use coins upto 5%
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buy zcity boost pins use coins upto 5%, is means use zcity coins to buy the voucher to get discount of 5% is it?
then must have coins in zcity la, if not consider no special if compare with i just direct top up, right?




This post has been edited by rinapua: Sep 28 2022, 03:06 PM
rinapua
post Oct 4 2022, 09:57 AM

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QUOTE(guy3288 @ Oct 3 2022, 06:01 PM)
i used credit card money, each transaction max M1000

Single deposit sure better for agents
less work, but happy hours over now,
you need double the deposit to get same items.
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the happy hours still available for today? can share agent contacts? Thanks.

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