“Kadar Ganjaran Kesetiaan SSPN-i adalah sebanyak 0.5% atas simpanan yang dibuat dalam tempoh kempen. Kadar ini merupakan kadar tambahan ke atas kadar dividen tahunan yang diberikan oleh PTPTN.”

T & C :

https://www.ptptn.gov.my/images/fail/promos...n_kesetiaan.pdf

Checking :

https://www.ptptn.gov.my/Ganjaran/Utama

Only for top up amount

translation, for maximum relief of RM8k with the additional 0.5%, you only stand to gain an additional RM40.

lol.

we are talking about an eligible person who puts in versus a non eligible person who puts in the same amount at the same time.
fact remains the differences between their so called "loyal" customer versus new customer is a measly 0.5% limited to maximum deposit of RM8000 translating to theoretical value of RM40 maximum.

ie. loyal customer gets 4.5% of 8k versus new customer gets 4% of RM8k, it is still a rm40 difference no matter which angle you are looking at it.

You already missed a lot of cashback opportunity from Boost to deposit SSPN, catch up at below thread
https://forum.lowyat.net/topic/4698581

Depend on your luck.
An example assume every 400 you get back shake reward rm1 after minus the service charge + mission reward rm5, you will get back rm6 per rm400 deposit. So total rm8000 deposit you may get back rm120. Not yet calculate the credit card cashback that you deposit into your Boost account.

just opened an SSPN-i account for my kid and my purpose is to use it for tax relief.
so based on my understanding after reading the posts here.
here are my plan:
2020: top up 8k in Dec for the net 8k tax relief
2021: take out 8k in Jan and top up 16k in Dec (-8000 + 16000 = net +8k)
2022: take out 16k in Jan and top up 24k in Dec
…

is this plan ok to maximize the tax relief of SSPN? do I understand correctly?
thanks.

They will give you 1% of the money you deposit to SSPN during the event period.

This is not the way how the ganjaran works. It is an exact 1% of your deposit within the campaign period without any withdrawals. Not per annum prorated, that's why it's called bonus not dividend.

I myself tried out last year's ganjaran.

Hi sifus, would like to ask about the ganjaran, if it's going to be available again this year.

Based on last year's program, it started sometime in Feb until April. Assuming it's the same for this year, if I withdraw the all the balance now and then only deposit it when the program starts, will all the amount be qualified for it? Or it's based on the net deposit for this year?

Thanks

Could be the next day also. There is a cut off time for the IBG they use. At 4pm+, I'm betting on tomorrow. Tonite is a bonus.

If I have 10k in sspn and withdrew now. During ganja ran 1%, I put in 18k.

Do I get RM80 or RM180 for 1%?

Tq.

if 3.5% pun boleh celebrate

Yup promo rate is 4% or more. But enlighten me where to find fd that you can withdraw anytime without interest penalty , maybe a month interest penalty.