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 SSPN, Skim Simpanan Pendidikan Nasional

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mikeeeee
post Aug 27 2019, 10:00 AM

*~Tien9Chi~*
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QUOTE(Mervin1234 @ Aug 27 2019, 09:49 AM)
Hi im new with SSPN-i, i just register an account for my son and for tax deduction purpose.

Sorry if this questions have been ask before by others.

1. how much tax relieve max for 1 year ?
2. can i pay using credit card ?
3. what is the best time to deposit to enjoy the dividen ?
4. should i deposit monthly/quarterly or lump sum ?

Thanking in advance for answers.
*
1. This year 8k
2. Kennot, if wanna earn point can use bigpay
3. The earlier u deposit, the higher the amount for the dividend. Its prorated.
4. makes no difference for tax deduction purpose, deposit as an when u want to. Just make sure u max out the amount before new year.
mikeeeee
post Sep 13 2019, 02:00 PM

*~Tien9Chi~*
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Confirm asked before, maybe about a thousand times.

Output 14k input 8k = simpanan bersih -6k

How to get tax relief ?
mikeeeee
post Sep 14 2019, 11:36 AM

*~Tien9Chi~*
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QUOTE(jefftan4888 @ Sep 14 2019, 10:49 AM)
I thought this is for your child's future?  hmm.gif
*
Different people different purpose. Some do it purely for the tax exemption, some do it to save money for the children, some do it so that their children future can ptptn loan easier
mikeeeee
post Sep 14 2019, 01:14 PM

*~Tien9Chi~*
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QUOTE(jefftan4888 @ Sep 14 2019, 11:49 AM)
All of the above fit my purpose.  tongue.gif
*
Ya that's the best hehe, on top of all that,u get about 4% interest thumbup.gif
mikeeeee
post Oct 2 2019, 10:52 PM

*~Tien9Chi~*
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QUOTE(yklooi @ Oct 2 2019, 10:37 PM)
mine was prompted as
Salah No. MyKad Pendeposit/Kombinasi Kata Laluan
Kata laluan adalah CASE sensitif. Sila periksa papan kekunci CAPS komputer anda.
yours the same?
*
Same here !! What's going on ?
mikeeeee
post Oct 2 2019, 10:58 PM

*~Tien9Chi~*
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-- double post --

This post has been edited by mikeeeee: Oct 2 2019, 10:59 PM
mikeeeee
post Oct 4 2019, 01:22 PM

*~Tien9Chi~*
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QUOTE(LostAndFound @ Oct 3 2019, 10:23 AM)
Today morning can di.
*
I just tried again, still kennot login sad.gif

Want to topup also kennot
mikeeeee
post Oct 4 2019, 02:59 PM

*~Tien9Chi~*
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QUOTE(Mervin1234 @ Oct 4 2019, 02:39 PM)
same here, till now cannot login.
*
I just called them up to inform about the login issue. Reset password lagi hebat, it will throw out exception page lol

Apparently they are not aware of the issue.

The best part was, the support guy ask me to give him my username and password to try , OMG .. lidat also can
mikeeeee
post Nov 11 2019, 02:39 PM

*~Tien9Chi~*
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QUOTE(T231H @ Nov 11 2019, 12:46 PM)
Depositors can apply for tax exemption of up to RM6,000 for the SSPN-i savings account and another RM6,000 for the SSPN-i Plus takaful for life insurance and EPF.
https://www.thestar.com.my/news/education/2...rt-saving-early

well that was before the increase/reduction of limits for tax relief....
*
sspn-i = rm6000
sspn-i plus = rm6000 - whatever life insurance policies that you already claiming tax relief

sspn-i plus tax relief is basically taking up the life insurance relief. Its not a new/special relief like sspn-i
mikeeeee
post Feb 10 2020, 09:09 AM

*~Tien9Chi~*
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QUOTE(mjchua @ Feb 10 2020, 08:54 AM)
Is the statement for income tax available to download ?
*
What's the hurry ? You filling tax already ?
mikeeeee
post Feb 20 2020, 12:39 PM

*~Tien9Chi~*
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QUOTE(clickNsnap @ Feb 19 2020, 08:05 PM)
Thanks for trying to login, me too..having the 504 gateway time-out problem.
*
This error still acceptable, wait till u get this error "incorrect password" lol
mikeeeee
post Feb 21 2020, 06:16 PM

*~Tien9Chi~*
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QUOTE(CharmaineLee80 @ Feb 21 2020, 05:01 PM)
nv take out. but not so accurate on 1st jan la.
*
so you get 3.67% right?
mikeeeee
post Feb 28 2020, 10:06 PM

*~Tien9Chi~*
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QUOTE(rapple @ Feb 28 2020, 09:23 PM)
Seems like the calculation is a bit off.

I deposit 8k with no withdrawal but tax relief statement calculated 7960.. the amount is immaterial so I will just ignore it and follow 7960..
*
Ignore? All the transactions is black n white and subjected to audit, don't think it will be wrong like this. Maybe the RM 40 that's missing is due to some fee related to the way u deposit the money. Check your statement la
mikeeeee
post Mar 8 2020, 02:53 PM

*~Tien9Chi~*
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QUOTE(saitong09 @ Mar 8 2020, 02:22 PM)
Deposit now to get additional 1% dividend, ending 30Apr
*
Don't confuse people further la. That 1 extra percent only if you have been contributing since 2017 where obviously he is a new contributor 🤦‍♂️
mikeeeee
post Mar 8 2020, 06:06 PM

*~Tien9Chi~*
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QUOTE(xiaobaiwm @ Mar 8 2020, 05:38 PM)
Don't try to cheat LHDN. LHDN people are smart with those tricks hahahah.

Meaning if you deposit in 2019 8k, and withdraw in 2020 8k, then your imaginary balance would be (8000) in 2020. Therefore, you need to top back up +16,000 in order to get tax relief for the YA2020.
*
Ya don't abuse the system too much. Later they take back the relief for future then we are the one who rugi.
mikeeeee
post Apr 4 2020, 01:59 PM

*~Tien9Chi~*
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QUOTE(vdvaart @ Apr 4 2020, 01:54 PM)
What is the maximum amount I can withdraw? I read it was RM500 or 10% of total in account. Does it still apply?
*
You can withdraw everything if u want to close account. If want to maintain the account just leave rm20 balance
mikeeeee
post Apr 23 2020, 01:33 PM

*~Tien9Chi~*
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QUOTE(MGM @ Apr 23 2020, 01:28 PM)
30k is per day or per transaction?
*
Per transaction



This post has been edited by mikeeeee: Apr 23 2020, 01:36 PM
mikeeeee
post Apr 23 2020, 02:13 PM

*~Tien9Chi~*
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QUOTE(LostAndFound @ Apr 23 2020, 01:46 PM)
Have you tested how long the deposit take to reflect?
*
FPX deposit should be immediately reflected
mikeeeee
post May 22 2020, 09:10 AM

*~Tien9Chi~*
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QUOTE(ironman16 @ May 22 2020, 07:37 AM)
😁 Ok, thanks. But i have 3 children 😬
*
I does not matter you have 1 or 3 child, the relief is meant for tax payer not for the child.

If you and your wife are tax payers ,both are entitled to a total of 8k tax relief each for sspni savings for the same/different child
mikeeeee
post Jun 24 2020, 08:55 PM

*~Tien9Chi~*
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QUOTE(rinapua @ Jun 24 2020, 08:37 PM)
direct top up to sspn i is using below which website? https://www.ptptn.gov.my/saving/sspnlogin.html?
https://www.ptptn.gov.my/esmas-open-acc-web/#/deposit?
*
this https://www.ptptn.gov.my/saving/sspnlogin.html

after log in, look for penambahan deposit or something along that line
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