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 SSPN, Skim Simpanan Pendidikan Nasional

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cklimm
post Dec 2 2019, 07:17 AM

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Eh guys, is there any downtime between sspn and bank Raykat atm?
I found sometimes can withdraw sspn from atm, but now cannot
cklimm
post Dec 2 2019, 07:05 PM

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QUOTE(leo_kiatez @ Dec 2 2019, 04:47 PM)
Is withdraw ok already?
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No, I ended up go to kaunter
cklimm
post Apr 7 2020, 11:12 PM

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I've once seen a mention about 5th of calandar month is the cut off time for dividend calculation, am I remember it correctly?
cklimm
post Apr 9 2020, 03:57 PM

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Kids, behold to: negative balance
Attached Image
cklimm
post Apr 9 2020, 10:08 PM

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QUOTE(wongmunkeong @ Apr 9 2020, 04:21 PM)
whoa.. how the?
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Last year I withdraw 5000 cash via bank raykat atm, but sspn did not credit the fund to BR,
BR last month sent me a letter chasing me the 5000, complained to sspn,
upon adjustment sspn deducted my fund till negative. dry.gif
cklimm
post Apr 10 2020, 06:48 PM

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QUOTE(wongmunkeong @ Apr 10 2020, 07:45 AM)
omg.. Bank Rakyat & SSPN systems are kaka neh  bangwall.gif
sorry for you pains & thank U for sharing - i'm avoiding BR cow cow
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QUOTE(WaCKy-Angel @ Apr 10 2020, 08:33 AM)
That is unethical.
BR should contact SSPN not pester u..the one that should contact u is SSPN to explain to you and provide solution such as if now no money inside SSPN they ask u to put in money so they can credit to BR.

BR may suspend your acc until this is resolved, if they wish.
U can actually file a complaint to BNM about this.
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QUOTE(MUM @ Apr 10 2020, 09:28 AM)
since -1.7k in balance, sort of means SSPN had lend you the money/ overdrafted yr a/c?
will they charge you interest on it if you leave it as -tive for years?
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Aaaaand, upon an email to a pengurus kanan of sspn, things backed normal today.
Glad they are doing WFH
No attempt for withdrawal yet, as I am waiting for the 1% extra interest
cklimm
post May 1 2020, 09:34 AM

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QUOTE(GrumpyNooby @ May 1 2020, 09:01 AM)
PTPTN mission isn't the most rewarding mission.  dry.gif
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I am worried that, what if they dont count sspn as bill payment anymore?
cklimm
post Feb 23 2021, 07:59 PM

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QUOTE(guy3288 @ Feb 23 2021, 01:30 PM)
blink.gif
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so, are we stand to have 4%(forecast)+1% through 24 Feb to 30 Apr?
cklimm
post Apr 30 2021, 07:49 AM

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QUOTE(heavensea @ Apr 30 2021, 01:08 AM)
Please take note:
Minimum amount: RM10 & Maximum amount: RM999
A service fee of RM1.00 imposed by the service provider will be added to your checkout amount

Worth?
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worth
cklimm
post Jan 12 2022, 07:48 PM

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QUOTE(LostAndFound @ Jan 11 2022, 09:13 AM)
For reference for all, Ganjaran Kesetiaan started Feb 5 on 2020 and Feb 24 2021. My estimate only, not insider information. Those who want to maximize, you pandai-pandai do your planning la =)
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good, the touch n go 5.45% ends 31 Jan anyway, can move all to SSPN then
cklimm
post Jan 12 2022, 08:57 PM

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QUOTE(!@#$%^ @ Jan 12 2022, 07:51 PM)
how to move from tng to sspn?
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TNG withdraw to bank, then fpx to sspn

cklimm
post Jan 12 2022, 10:28 PM

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QUOTE(paogeh @ Jan 12 2022, 09:08 PM)
TNG withdrawal  have risk of getting ban using Credit card topup in future.
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dont do it often loh
cklimm
post Jan 12 2022, 10:28 PM

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why the repeat

This post has been edited by cklimm: Jan 12 2022, 10:29 PM
cklimm
post Feb 7 2022, 07:07 PM

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QUOTE(wackyboy161 @ Feb 7 2022, 05:55 PM)
Hi guys

I check on this calculator:-
https://www.ptptn.gov.my/KalkulatorDividen/Utama

It mentioned this:-
"1) Pengiraan Dividen dikira atas baki terendah setiap bulan dan transaksi sebelum 06hb setiap bulan."

So meaning for example 06/02 - 05/03, on 06/02 I have RM1000, and i deposited RM20k throughout until 05/03, then I only get interest for RM1000 because this is my "baki terendah" for month February?
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QUOTE(MUM @ Feb 7 2022, 06:17 PM)
i think i read before,...money must be in by / on 5th...
you deposit on 6th...thus your RM20k will only start to calculate from 5th of NEXT month...
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So same way as how ASNB calculates your dividend lah, just that SSPN is at 6th instead of 1st of month
cklimm
post Feb 19 2022, 07:59 PM

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QUOTE(smartfreak @ Feb 19 2022, 06:35 PM)
[3 Hari Lagi]

user posted image
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If its really +1%, I would even redraw my homeloan (3.15% p.a) balance into this
cklimm
post Feb 20 2022, 09:31 AM

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QUOTE(Kaka23 @ Feb 19 2022, 11:08 PM)
Should I withdraw bulk of my SSPN $ first?  sweat.gif
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if so, you better do it quick, previous t&c says that any withdrawal during campaign period will forfeit your +1%
cklimm
post Feb 22 2022, 05:07 PM

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QUOTE(BeadsCrazee @ Feb 22 2022, 03:34 PM)
the ganjaran kesetiaan TnC/FAQ not yet released right? Didn't know if the fund deposited before 30.4 need to stay there for how long to entitle that 1%
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Assuming everything the same as last year, it would to be held till 30 June. I will do it in late Apr.
cklimm
post Feb 22 2022, 07:57 PM

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QUOTE(magika @ Feb 22 2022, 05:12 PM)
If not mistaken 1% ganjaran only  given end of July
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QUOTE(BeadsCrazee @ Feb 22 2022, 06:49 PM)
Thanks...need to keep till 31.7 this time...hmmm
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Assuming you put it in late APR, keep till 31 Jul, 3 months for 1% equals to 4% p.a , on top of 3%(+-) annual dividend
= 7% p.a, good deal
cklimm
post Feb 23 2022, 08:06 PM

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QUOTE(pwlow @ Feb 23 2022, 12:48 PM)
you put RM1k , they give you 1% mean RM10
If you don't touch for next 12 months and assume next year dividend for year 2022 3% mean you will get RM30

Total you get will be RM10+RM30 = RM40.......mean return only 4% PA.....

If 2022 dividend announce next year will be 2% or lowest .....you will  bangwall.gif
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nope, i will walk away with 1% gain in early August, dump it back into my home loan account.
whether they give 2 or 3 or 4% next year, doesnt matter much dah whistling.gif
cklimm
post Mar 5 2022, 08:44 AM

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Has anyone went PTPTN office/counter?
any freebies like tabung/ umbrella?
Used to get some prior to Covid whenever I go deposit

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