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 SSPN, Skim Simpanan Pendidikan Nasional

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alex_cyw1985
post Oct 13 2014, 11:03 AM

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QUOTE(sms2u @ Oct 13 2014, 10:06 AM)
It is only for those who have kid. No every1, ur statement is confusion
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You are wrong, the scheme is open to everyone, including individual, but only parent can claim for tax.

Syarat - syarat Pembukaan Akaun SSPN-i

Pendeposit dan penerima manfaat kepada akaun SSPN-i hendaklah warganegara Malaysia;

Pendeposit boleh juga membuka akaun untuk dirinya sendiri;

Setiap pendeposit hanya boleh membuka satu akaun untuk setiap penerima manfaat yang sama;

Penerima manfaat mestilah berumur antara 1 hari sehingga sebelum mencapai umur 29 tahun;

Penerima manfaat yang telah mempunyai akaun yang dibuka oleh seseorang pendeposit boleh membuka akaun bagi dirinya sendiri atau membuka akaun untuk warganegara Malaysia yang lain. Ini bermakna seorang penerima manfaat pada masa yang sama boleh menjadi pendeposit; dan

Pendeposit yang berbeza boleh membuka akaun SSPN-i bagi penerima manfaat yang sama dan tiada had bilangan akaun bagi setiap penerima manfaat.

Pelepasan taksiran cukai pendapatan ke atas simpanan SSPN-i:

Ibu bapa dan ibu bapa angkat/ penjaga yang sah dari segi undang-undang yang menyimpan dalam akaun SSPN-i untuk manfaat anak diberi pelepasan sehingga maksima RM6,000.00 setahun tertakluk kepada jumlah simpanan bersih tahun semasa;

Ibu bapa yang membuat taksiran berasingan dan telah membuka akaun simpanan SSPN-i berasingan atas anak yang sama diberikan pelepasan sehingga maksima RM6,000.00 seorang setahun;

Ibu bapa yang membuat taksiran bersama dan telah membuka akaun simpanan SSPN-i berasingan diberi pelepasan sehingga maksima RM6,000.00 setahun; dan

Individu yang menyimpan untuk diri sendiri tidak diberi pelepasan taksiran cukai.[COLOR=red]

Source: http://www.ptptn.gov.my/web/guest/simpanan
alex_cyw1985
post Oct 14 2014, 03:20 PM

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QUOTE(ck_100 @ Oct 14 2014, 03:07 PM)
Hi all, some questions to ask, I have two SSPN account as got 2 kids. I noticed the interest % payout are not the same, details as below. Pls some one help to enlighten me. Thx.

Acc 1:
Baki awal pada 1/1/2014                                          : 500
simpanan/pengeluaran bersih sehinngga oktober 2014: 21.25
baki simpanan pada oktober 2014                              : 521.25
bakie keseluruhan simpanan sehingga oktober 2014    : 521.25

The interest payout for Acc 1 is 21.25/500*100 = 4.25%

Acc 2:
Baki awal pada 1/1/2014                                          : 12,127.5
simpanan/pengeluaran bersih sehinngga oktober 2014: 260.42
baki simpanan pada oktober 2014                              : 12,387.92
bakie keseluruhan simpanan sehingga oktober 2014    : 12,387.92

The interest payout for Acc 2 is 260.42/12,127.5*100 = 2.14%

I'm surprise to notice that why there is such a huge discrepancy in interest % payout?
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I believe the interest is not based on the final amount, maybe is daily rest/monthly rest based on ur monthly contributed amount?
alex_cyw1985
post Dec 30 2015, 03:03 PM

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I get my 9k points (6k myself, 3k my wife) using PB VS card last 2 weeks.
alex_cyw1985
post Dec 30 2015, 03:38 PM

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No idea, the transaction posted as ONEPOINT SERVICE WP KUALA LUMP MY
alex_cyw1985
post Dec 30 2015, 11:23 PM

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QUOTE(Ahmosai @ Dec 30 2015, 07:27 PM)
Indeed, just checked online statement, reward points credited. Just thinking out loud if next year withdraw all my money out (roughly RM25K), then re-deposit again. Withdraw again, re-deposit again.. I can easily earn lot of reward points to exchange gadget smile.gif
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how to withdraw all? I thought we can only withdraw 10% / RM500 per year?
alex_cyw1985
post Feb 1 2016, 11:17 AM

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QUOTE(rapple @ Feb 1 2016, 09:38 AM)
[attachmentid=5950348]
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Can I perform my withdrawal at Maybank? or need go PTPTN office?
alex_cyw1985
post Nov 28 2016, 09:29 AM

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QUOTE(jsflim @ Nov 27 2016, 08:03 PM)
hi, I would like to know when is the appropriate time to withdraw the fund? according to ptptn staff they said better withdraw after tax submitted, which is around march.

what kind of statement does lhdn required if they ask me to proof my deposit in sspn?
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you can get the statement for LHDN from https://epay.ptptn.gov.my/saving/sspnlogin.html
alex_cyw1985
post Nov 30 2016, 04:29 PM

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QUOTE(celinek @ Nov 29 2016, 02:49 PM)
How they calculate the dividend ? I deposit rm6k in Dec 2015. When I check my account only .33 dividend
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i deposit in Dec 2015, but i don't have dividend...
alex_cyw1985
post Dec 1 2016, 01:20 PM

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I already raised my question thru ptptn icare...will update once I get their reply.
alex_cyw1985
post Dec 9 2016, 09:30 AM

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QUOTE(LostAndFound @ Dec 9 2016, 07:56 AM)
Any way to check SSPN current amount online?
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https://epay.ptptn.gov.my/saving/sspnlogin.html
alex_cyw1985
post Dec 22 2016, 09:49 AM

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QUOTE(55665566 @ Dec 22 2016, 09:47 AM)
I am currently single. Just got a SSPN-i Plus. Should I regret?
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you can only claim tax for KWSP / LIFE Insurance portion which is 6k.
alex_cyw1985
post Dec 22 2016, 10:29 AM

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QUOTE(55665566 @ Dec 22 2016, 10:02 AM)
But I have external life insurance liao. I don't think I need this.
Should I redraw or move my current fund to SSPN-i?
Is that possible?
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What is your purpose when you purchase SSPN-i Plus?
alex_cyw1985
post Dec 22 2016, 11:10 AM

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QUOTE(55665566 @ Dec 22 2016, 10:51 AM)
Just want to invest. Now kinda regret it and want to find ways to get back my money  sad.gif
Oh, then I don't see any good in SSPN investment then. Any recommendations?
I heard Maybank GIA is good  icon_idea.gif
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For DIY investment, please refer to FSM
alex_cyw1985
post Jan 4 2017, 10:35 AM

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QUOTE(rapple @ Jan 3 2017, 11:54 AM)
Yes for 2016 tax relieve.
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the income tax statement 2016 is not ready yet, you sure can withdraw now?
alex_cyw1985
post Jan 4 2017, 10:56 AM

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QUOTE(rapple @ Jan 4 2017, 10:53 AM)
sure.. unless you think their statement dated on 31st Dec 2016 will show Jan 2017 withdrawal.
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I thought for income tax, we must generate the 'PENYATA RINGKASAN AKAUN SSPN UNTUK PELEPASAN CUKAI' instead of 'PENYATA AKAUN SSPN'.

PENYATA RINGKASAN AKAUN SSPN UNTUK PELEPASAN CUKAI for 2016 cannot be generated yet.

alex_cyw1985
post Dec 26 2017, 09:39 AM

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QUOTE(Kaka23 @ Dec 25 2017, 01:13 PM)
Hi all.. anyone can recall if SSPN does provide takaful (insurance) coverage?
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https://www.ptptn.gov.my/web/guest/sspn-i-plus
alex_cyw1985
post Dec 26 2017, 02:20 PM

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QUOTE(justanovice @ Dec 26 2017, 02:13 PM)
Hi all,
Just came across this thread reading the sspn-i tax relief benefit... i do not have an account yet, i read in the website it takes ‘less than 14 days’ to open new account. So there is no way i can make it within the next few days for qualifying tax relief for year 2017 ? Thanks
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straight go to PTPTN counter and apply.
alex_cyw1985
post Dec 26 2017, 04:41 PM

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QUOTE(Kaka23 @ Dec 26 2017, 03:16 PM)
your is SSPN-i PLUS

I would want to check for SSPN-i ..?
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AFAIK, takaful only for SSPN-i PLUS, SSPN-i is only saving.

SSPN-i PLUS = saving + insurance.
SSPN-i = saving
alex_cyw1985
post Oct 24 2018, 10:13 AM

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QUOTE(mbison@2012 @ Oct 23 2018, 05:39 PM)
SSPN always have lucky draw promotions either monthly, quarterly and annually. Anyone was luckily to win some prize so far?

I have contributed quite a lot and never won a single prize until now. Hmm...
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the lucky draw promotion only for SSPN-i PLUS
alex_cyw1985
post Feb 24 2023, 09:36 PM

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QUOTE(tan_aniki @ Feb 24 2023, 09:07 PM)
still got tax relief why bye bye?
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Got?

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