Hi, mind to share your decision?
i'm totally new to this and just learned bout this "lubang“ for 2015 tax relief, but think it's too late now

Thank you so much! I've been reading bout this since morning but still blur, like a crash course yet i got more confused
caz from faq i came across sth like application takes up to 14days to process so i thought no hope dy

well tbh my main purpose of this is for tax relief actually, so is it possible to say just dump 3k into an acc at this very last minute to maximize relief, and maybe just do the same for the next 10 years or so? i won't lose the money if i don't do anyth and just leave them in the acc right? keep seeing the term "high risk" in fsm worries me.. sorry if this sounded dumb caz for now it's not likely for me to touch the fund as i don't know much bout investment (i'm only experienced in fd and investment-linked), hoping to learn more tho.. thanks to all sifus here

ohh so what i thought was actually possible!
such coincidence we had the same mindset for tax relief purpose lol

plan to walk in to the nearest affin hwang tomorrow, hopefully can get it done
mind to enlighten me what documents they'll need from me?
just wanna confirm it's solely "dump in 3k every dec for tax relief" kan? LOL so is basically once a year payment
may i know how many years we need to commit ah? until retirement kah? or can be 10 years only? (since the relief only valid for first 10 years kan?)
what's the return like btway?

ahh.. thanks! just saw the 10years actually refers to 2012-2021


ohh in other words it's possible that the money i contributed become lesser by year?? if i just leave them in the acc till retirement
hmm.. then the term "pension scheme" doesn't really serve its purpose lidat i assume most ppl participate aiming to have more money during retirement kan.. firstly i thought it's like an alternative long-term saving plan with minimal return.. then now it seems the return not guaranteed pula lol
thanks for the info tho, u guys are so helpful

successfully dumped 3k for prs @ affin hwang yest evening for 2015 tax relief
very nice and efficient staffs, everyth settled in 20mins
acc to them all new applicants can make it even if done on the 31st

earlier walked in to cimb, got rejected saying too rush (deadline 28th dec) and aia agent also rejected saying too late as they need 3weeks to process new application
wanna buy thru fsm also cannot as they need to receive ori docs by 28th dec pm, so tak sempat

anyway am relieved now, and will be expecting my RM500 incentive by March 2016, even tho i can't use it until 25/30years later

i'm from east m'sia sabah