myptptn web/app?

amount to withdraw?

simple: none 

else, visit ptptn branch?

Both husband & wife are still entitled for SSPN tax relief provided the total of both claims don't exceed RM8,000.

Historically my 'significant amount' is maybe 300-400k only, so I just do daily 50k and can finish within a week.

There are some others who put double that amount, I suppose counter is more efficient then.

The charges super negligible, 0.001% only, still need to kira? I counted before, as long as your withdrawal amount is more than 3 digit, you earn more in interest (assume 4% KDI Save) than the 50 cent charged by withdrawing instant using bank islam compared to slow withdrawal from their website.

Two main reasons:-

First is that tax relief of 8k is incremental amount, meaning if your kid is turning 12 this year (like mine is) the total amount is 12x8000 (adding in the earned dividends over the years) which is already over 100k.

Second (and most relevant) is that ganjaran kesetiaan means its actually worth it to withdraw everything before the launch (say, start of the year) and redeposit during the campaign period. Plus any spare cash around that you don't need for the 2+ months holding period. You can just dump 800k in to get 8k (capped amount) within 2 months. I would say there is no other guaranteed way to earn that much returns in that short a time period (roughly 5+% annualised, guaranteed, not including the normal dividend of more than 3%). But of course it doesn't make sense to leave that large amount in there after the holding period, because that would 'lock' you in by end of the year (since tax relief is based on your closing amount as of 31st December). Hence the need to withdraw all the excess amount, normally immediately after end of holding period.

baru ada anak ma.. wait few more years la... how much u plan to masuk to gain 1%?

This 2% on top of the usual rate?

SSPN is 1% on top of the usual (prorated) "4%"

Anyone received email from Lazada asking for income documentation and reason to pay PTPTN? I received such email yesterday and seems like my account was flagged for paying PTPTN too often