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SSPN, Skim Simpanan Pendidikan Nasional
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memorylane
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 Jan 14 2020, 09:34 AM
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Getting Started
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QUOTE(wirelessdude @ Jan 14 2020, 08:35 AM) I'm new to both SSPN and Boost, so appreciate if anyone can help: 1. Based on Tier 4 of 2 coins per MYR 1 and exchange rate of 2,700 coins for MYR 30, the "cashback" for PTPN top-up through Boost is around 2.2%? This is very good if you further include the ShakeRewards and missions. 2. If (1) above is true, would'nt we try to make out our MYR 4.5K Boost transaction limit to earn the 2.2% and then withdraw lumpsum from SSPN and leave only 8K for tax relief? 2) technically yes... but this will easily flagged by SSPN or Boost or Bank Islam... this is something like money laundering in small amount 'legally'... but your SSPN statement will show all your actions clearly... no one knows what risk is it... i believe Boost also got annual transaction limit if not wrong... |
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memorylane
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Feb 7 2020, 08:28 PM
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Getting Started
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QUOTE(kochin @ Feb 7 2020, 05:26 PM) boosted today for rm4k. total cost - RM4k + RM4 commission + 600 coins to activate 3 missions? total return - mission 14.50 - coins 9500 equals approx 1800 x 5 = 9000 coins of RM20x5 = RM100 balance 500 coins to ofset mission cost so total return is approx RM114.50/RM4004 = 2.86% is this good or bad? i think use grabpay via e-pay worth more, about 7.5% worth of grab points.... |
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memorylane
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Feb 7 2020, 08:43 PM
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Getting Started
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QUOTE(T231H @ Feb 7 2020, 08:31 PM) can use that to pay SSPN contribution? Ya e-pay.com.my can.. SSPN and TNB bill as well ...both boost or grabpay also can. |
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memorylane
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Feb 7 2020, 08:52 PM
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Getting Started
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QUOTE(MGM @ Feb 7 2020, 08:48 PM) Can show your calculations? RM1 = 9X grab points 600 grab points = RM5 grab code So 5/600x9 is 7.5% Correct me if I’m wrong. |
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memorylane
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Feb 7 2020, 09:09 PM
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Getting Started
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QUOTE(T231H @ Feb 7 2020, 09:00 PM) do you mean use grap pay to pay SSPN thru the e-pay.com.my portal? so this portal will be sort of facilitating money transfers between Grabpay to SSPN? Ya. E-pay is GHL bill payment portal... |
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memorylane
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Feb 7 2020, 10:11 PM
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Getting Started
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QUOTE(MUM @ Feb 7 2020, 09:13 PM) according to this site..... What are the transactions that qualify for GrabRewards points Payments via GrabPay involving merchants facilitating money transfers, banks or third-party mobile wallets, investment or brokerage platforms, remittance service providers, billing services and bill aggregators, and any other merchants at the sole discretion of Grab, are excluded from points earning. https://help.grab.com/passenger/en-my/36003...bRewards-pointsIn this case use boost better then This post has been edited by memorylane: Feb 7 2020, 10:11 PM |
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memorylane
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Feb 12 2020, 10:10 AM
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Getting Started
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QUOTE(lyc1982 @ Feb 10 2020, 04:23 PM) so by using M2U....can be unlimited deposit into EPF ? i didn't know that..i thought only PCB (salary deduction + employer contribution) allowed max RM60K self contribution per year for EPF. But honestly, SSPN tax relief + 4% dividend + 1% bonus not bad also, at least you can withdraw it during emergency... EPF higher dividend but harder to withdraw. Both have pro and cons... |
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memorylane
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Feb 12 2020, 10:14 AM
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Getting Started
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the bonus is one time only... deposit during campaign period then you enjoy it... it the deposit amount's 1%... not total... last year and this year also got this campaign.
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memorylane
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Feb 12 2020, 10:27 AM
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Getting Started
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SSPN is for tax relief purposes...RM8000 per year enough la... cos 4% dividend only.
if you opts for FD replacement, use ASB/ASM1/ASM2/ASM3 fix price fund... at least got 5.5% last year
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memorylane
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Feb 18 2020, 02:04 PM
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Getting Started
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QUOTE(TheLegend27 @ Feb 18 2020, 09:28 AM) yeah, now solved liao. not bad la can use grab earn point.  i dont see the option for SSPN anymore in e-pay using grabpay... hopefully just temporary |
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memorylane
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Sep 18 2020, 09:07 PM
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Getting Started
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maybank grabpay card -> topup grabpay -> e-pay -> sspn, max RM50 per transaction, RM1 charge.
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memorylane
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Sep 21 2020, 11:34 AM
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Getting Started
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QUOTE(Haloperidol @ Sep 20 2020, 08:09 PM) As a single doggo (not married), there is no tax relief for pumping SSPN am i right ... very sad... can use PRS for tax relief if you do not have kids yet... |
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memorylane
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Sep 22 2020, 02:02 PM
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Getting Started
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anyone can advice, besides Bank Islam, any other method for withdrawal? non-instant method is also okay....
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memorylane
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Oct 2 2020, 08:54 AM
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Getting Started
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anyone know withdrawal from portal will take how many working days?
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memorylane
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Oct 2 2020, 09:09 AM
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Getting Started
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QUOTE(WaCKy-Angel @ Oct 2 2020, 09:05 AM) Between 1-14 days. Usually 1-3 days but sometimes during end of the month could be longer. I just withdrawn on 30 Sept until today still not yet receive. I dont think today will receive. thanks sharing your experience |
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memorylane
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Oct 4 2020, 03:06 PM
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Getting Started
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QUOTE(Haloperidol @ Sep 26 2020, 11:33 AM) Anyone knows what is the MCC Code for PTPTN repayment ?  Plan to apply Maybank 2 Card Amex to pay the outstanding loan but i dunno can it eligible for the 5% rebate or not sspn consider government service category so not entitle 5% |
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memorylane
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Nov 30 2020, 11:29 AM
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Getting Started
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QUOTE(MUM @ Oct 6 2020, 12:04 PM) i think i read about CC >>> debit card >> sspn can pay SSPN thru e-pay then pay with CC at the selected e-pay service providers? as per https://www.ptptn.gov.my/makluman-umum-side...n-melalui-e-payor use Razer Cash di 7-Eleven to pay SSPN then pay with CC at 7 eleven?? https://www.ptptn.gov.my/images/fail/byrn_b...l_razer_pay.pdfSSPN can deposit using Razer cash also... Razer cash cannot use Credit card... but can use Touch N Go in 7Eleven... which is also indirectly credit card also.. http://www.ptptn.gov.my/molpay/index.phpcredit card -> touch n go > Razer cash in 7eleven the most convenient way for cc is Boost, no need physically walk in to 7eleven Credit card -> Boost or Credit Card -> Bigpay -> Boost This post has been edited by memorylane: Dec 2 2020, 09:08 AM |
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memorylane
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Nov 30 2020, 01:03 PM
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Getting Started
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QUOTE(yklooi @ Nov 30 2020, 11:56 AM) Isn't these tng card or boost card a form of debit card? It need to be "given" or have money deposited into them by way of cash from credit card to be able to yse? Touch n Go ewallet, not TnG card... |
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memorylane
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Nov 30 2020, 01:06 PM
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Getting Started
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QUOTE(alandhw @ Nov 30 2020, 12:54 PM) Interesting. I tot Razer cash at 7E will accept cash only. i tried with touch n go ewallet before for razer cash in 7 eleven, they accept touch n Go ewallet... if not we have to bring RM1k cash to 7eleven, so hassle, no one will use razer cash for sspn if only cash accepted... |
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memorylane
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Nov 30 2020, 01:08 PM
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Getting Started
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QUOTE(yklooi @ Nov 30 2020, 01:05 PM) yes...Touch n Go ewallet...is also sort of debit card?...where it need to be "given" money first right? TnG ewallet can be topup using credit card or debit card. |
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