Having SSPN allows you up to 3K of tax rebate. Is there any way a single (and without kids) like me can invest in it? In a way, a tax rebate for myself too.

i think NO. can u call them to find out.

SSPN RM3000 is Tax Relief, not Tax Rebate

Based on their requirements to open a SSPN A/C?
No, you can't open an account. You need at least 1 child must be yours by law, by guardianship, adoption, birth.
Slight correction, like Ronnie stated, it's tax RELIEF not rebate. BIG difference if U know how to use a calculator

Requirements to open a SSPN account with PTPTN
http://www.ptptn.gov.my/web/english/savings/opening
An SSPN account can be opened at the PTPTN service counter at One-Stop Centre, KL Sentral and all branches of PTPTN agents throughout the country. Documents required for this purpose are:

i. Copy of MyKad / military card / police card of the applicant;
ii. Copy of child's birth certificate / MyKid / MyKad; and
iii. Testimonial / Certificate of Adoption (for parents intending to open an account for the adopted child under their legal custody)

The minimum deposit amount for the purpose of opening an account and additional savings is RM20.00 for each nominated beneficiary account. Additional savings can be made ​​as soon as the SSPN card is received or any other form of verification of membership in the National Education Savings Scheme.

Based on personal experience, seriously, this SSPN needs major shake up. Highly unprofessional. Hardly any update on the status of investment amount. Where is the statement of total investment vs current value? Only gave you a card.

Recently after 4 months returned the cheque that I invested end of last yr. Seems like personal cheque unacceptable, only cash. Terms and conditional of withdrawal is unclear and subject to change any time. Call the office also they can't answer on the spot. Emails sent unreplied or bounced back like kena blocked.

Recent news heard some parties want to scrap PTPTN. Wonder will affect SSPN.

If not because of tax relief, will not invest a single cent to such fund. Seriously consider stopping all investment in the near future.

Sorry, I understand that it's a tax relief. So really it is limited to only PTPTN funds and with kids. Sigh, I thought I saw post in LYN talking about investing in such similar scheme or something but I can't find those posts anymore.

As I understand it's more of a savings fund for parents with returns that may not beat foreign-based education inflationary costs. It's future investment proceeds are meant for support of local courses, more likely.

er.. bro.. FYI - U can check your value anytime (other than server down lar) via: http://epay.ptptn.gov.my/saving/sspnlogin.html
I've been doing similar (last time, different URL) since 2008/2009.

My bad if replying to a basi-post. Was looking for SSPN-related thread to share the belo w

------------------
Updates on tax relief: http://www.nbc.com.my/blog/faq-rm6000-tax-...cation-savings/
Snippet:
As announced in Budget 2013, it is proposed that personal tax relief for saving deposits placed with SSPN-i for the benefit of their children be increased from existing RM3,000 to RM6,000 effective from year of assessment 2012 to 2017

This post has been edited by wongmunkeong: Oct 23 2012, 04:11 PM

If my wife has opened a SSPN account for my son, can i open another?
Both of us is taxed separately.

Please advice.

Thanks

Yup - 1 parent 1 kid = 1 unique a/c, thus each parent, although for same child, = different a/c
Thus each parent separate tax relief (assuming as U mentioned, pay taxes separately lar).

WMK,

Sure boh? I've just checked with SSPN website and it is still listed as RM3K relief.

Don't lar be like that Al-Jib Gor fella, always say syiok sendiri stuff only, for example, in 2011 say got PRS RM 3K tax relief, until today apa pun tadak.

Xuzen

yup - checkout the URL or screenshot below
http://www.ptptn.gov.my/web/english/savings/advantages

PRS? hehe - i went ahead with the annuity first lor. Wait for PRS to be really available first then can consider lor
$3K *26% = dont want to waste too much time on this amount


This post has been edited by wongmunkeong: Oct 24 2012, 11:46 AM


Attached thumbnail(s)

so anyone plan to max out SSPN tax relief to 6k this year? still contemplating whether i should top up another 3k to max 6k....

<hands up>

So you guys targeting Hwang or Cimb for the PRS?

Anybody able to logon to e-SPPN website today ?
http://epay.ptptn.gov.my/saving/sspnlogin.html

Today I cannot. I thought I forgot my password..
Also cannot reset pwd using the link.

hi i can open an account for my younger brother right (immediate family member)? coz i dont have my own children. and he's still in primary school.

if kid is 1 yr can invest in it?

i wanna ask, if now i need to repay ptptn, can i put money inside SSPN to use it as tax relief?

Hi all sifu, may I know is it worth to invest in this SSPN account??? Or PRS is better option???

take both if you have high chargeable income in your tax.

Can u explain more in details... Thanks

If your tax bracket is 19%, and you take up both SSPN (6000) and PRS (3000), can save

9000 x 19% = RM1710

Bro, I know this calculation. Just want to know more which to choose....

how much is your chargeable income now? i mentioned, if you got high chargeable income, just take both.. why want to choose? 1 is for retirement, 1 for children education..

what is prs?

Cause personal issue not really believe on SSPN manage by government....but the tax rebate quit high...

i also dont trust the government.. but due to the tax relief that i can get, its definitely a good choice! 19% tax savings = 19% ROI Dont bother about the yearly dividend, take that as bonus.

anyway when your kid go college you can make withdrawal ma.

You got your point...but may be I will wait after 5th May....

It's meant for children, not family member.
So it's a NO, you can't open an account for your younger brother.

However, your parents can open account for him.

so sad.. can relief rm6k tax leh

you got SSPN account, u mean you open the account right? so do you have children liao?

the beneficiary must be your children in order to do tax relief.

from my understanding, can withdraw for your kid education, need show offer letter from college/uni. then can do full withdrawal.

Its a tax relief, not a straight 19% rebate/discount, hence calculation is not accurate I assume?

By any chance, anyone manage to withdraw full sum BEFORE your kid went to college/university? Can I withdraw full sum if I intend to switch to private/international school say when kid is in Secondary school?

Calculation is accurate..

assuming you are having chargeable income of 60k = 19%.

60k - 9k (SSPN + PRS) = 51k

you now only have 51k chargeable income, although still on 19%, but your 9k no need get tax anymore. so effectively, 9k x 19% = RM1710


'A 100% withdrawal is possible but will require the beneficiary’s offer letter to local university or colleges, a vague statement on the beneficiary ‘no longer wishing to participate in the educational process’, or in the event of the beneficiaruy’s / depositor’s death or incapacitation.'

so yes, if your child gets the offer letter from uni or college, can make full withdrawal.

So if go to overseas uni cannot withdraw fully issit (or got some sort of penalty)??

Can only withdraw at college/uni level? Secondary school level not possible to withdraw if I choose to leave national school and enrol him into private or international school in Malaysia?

You might want to read the details here
http://www.ptptn.gov.my/web/english/faq-en...oan/application

FAQ BERKAITAN SKIM SIMPANAN PENDIDIKAN NASIONAL (SSPN)
1. Apakah yang dimaksudkan dengan Pendeposit dan Penerima Manfaat?
Pendeposit ertinya:-
i. Mana-mana warganegara yang membuka akaun Skim Simpanan
Pendidikan Nasional (SSPN) sama ada untuk diri sendiri atau
mana-mana rakyat Malaysia lain sebagai penerima manfaat;
ii. Mana-mana orang Malaysia yang dinamakan sebagai Penerima
Manfaat tidak layak sekali-kali untuk menjadi pendeposit
melainkan akaun asalnya ditutup; dan
iii. Ianya hendaklah berumur 18 tahun atau lebih.
Penerima Manfaat ertinya:-
i. Mana-mana orang Malaysia yang dinamakan untuk menerima
manfaat atas pembukaan akaun SSPN oleh mana-mana
Pendeposit;
ii. Penerima yang berhajat untuk menjadi pendeposit kepada anakanaknya atau mana-mana orang lain hendaklah terlebih dahulu
memohon untuk menutup akaun asalnya; dan
iii. Ia hendaklah berumur antara 1 hari hingga 28 tahun jika ianya
bukan untuk Akaun Diri Sendiri.
2. Apakah had umur untuk Pendeposit dan Penerima Manfaat?
Pendeposit SSPN hendaklah berumur 18 tahun dan ke atas manakala had
umur Penerima Manfaat adalah antara 1 hari hingga 28 tahun (1 hari
sebelum hari lahir ke 29 tahun). Penerima Manfaat yang telah mencapai
umur 29 tahun dan ke atas hendaklah membuka untuk dirinya sendiri.
Secara khususnya kategori had umur pembukaan akaun SSPN adalah
seperti berikut:-
Kategori 1 : Akaun dibuka oleh ibubapa/penjaga atau warganegara
yang lain untuk mana-mana warganegara yang
berumur 18 tahun ke bawah dan boleh
mengekalkannya sehingga umur genap 28 tahun;
Kategori 2 : Warganegara yang berumur 18 tahun ke atas
mempunyai pilihan samada untuk membuka akaun
sendiri atau dibuka oleh ibu bapa/penjaga.
Kategori 3 : Warganegara yang berumur 29 tahun ke atas ,
perlu membuka akaun sendiri
3. Bolehkah Pendeposit menjadi Penerima Manfaat atausebaliknya?
Pendeposit dalam masa yang sama boleh menjadi Penerima Manfaat
apabila akaun dibuka olehnya sendiri (selagi beliautidak mempunyai akaun
SSPN yang telah dibuka oleh ibu bapa/penjaga). Sebaliknya Penerima
Manfaat tidak boleh menjadi Pendeposit kecuali ianya telah mencapai umur
18 tahun dan telah menutup akaun yang telah dibuka oleh ibu
bapa/penjaganya.
4. Berapakah bilangan maksimum Penerima Manfaat bagisetiap Pendeposit?
Setiap Pendeposit dihadkan boleh membuka tidak lebih dari 99 akaun
untuk mana-mana Penerima Manfaat yang lain dan termasuk satu akaun
untuk dirinya sendiri.
5. Berapakah bilangan maksimum Pendeposit bagi setiap Penerima Manfaat?
Setiap Penerima Manfaat boleh mempunyai lebih daripada 1 akaun SSPN
yang dibuka oleh ibu atau bapa atau penjaga atau mana-mana rakyat
Malaysia yang lain.
6. Bolehkan Penerima Manfaat mempunyai lebih daripada 1 akaun?
Seseorang Penerima Manfaat boleh mempunyai lebih daripada 1 akaun
sahaja iaitu akaun yang dibuka oleh ibu atau bapa atau penjaga atau manamana rakyat Malaysia yang lain.
7. Adakah Pendeposit dan Penerima Manfaat mesti terdiri dari ahli keluarga
terdekat?
Tidak semestinya. Mana-mana rakyat Malaysia juga boleh membuka akaun
untuk rakyat Malaysia yang lain.
8. Bolehkan setiap anak (adik beradik) mempunyai Pendeposit yang berlainan?
Contoh: pendeposit untuk anak pertama adalah ayah, anak ke-2 ialah datuk dan
anak ke-3 ialah bapa saudara.
Boleh.
9. Apakah kelebihan/keistimewaan yang diperolehi olehPendeposit dan Penerima
manfaat?
Kategori 1:-
Pendeposit iaitu ibu bapa atau penjaga yang sah mengikut undang-undang
berumur 18 tahun dan ke atas; dan
Penerima manfaat mesti berumur 1 hari hingga 28 tahun.
Keistimewaannya:
i. Geran sepadan untuk keluarga berpendapatan bulanan tidak
melebihi RM2,000;
ii. Perlindungan Insurans untuk pendeposit maksima RM50,000 jika
pendeposit berumur tidak melebihi 65 tahun;
iii. Khairat kematian untuk pendeposit dan anak pendeposit layak
perlindungan insuran;
iv. Pelepasan cukai pendeposit ke atas simpanan akaun anak-anakya;
v. Dividen tahunan; dan
Kategori 2:-
Pendeposit yang bukan ibu bapa atau penjaga yang sah mesti berumur 18
tahun dan ke atas; dan
Penerima manfaat mesti berumur 1 hari hingga 28 tahun.
Keistimewaannya:
i. Perlindungan Insurans untuk pendeposit maksima RM50,000 jika
pendeposit berumur tidak melebihi 65 tahun;
ii. Khairat kematian untuk pendeposit dan anak pendeposit layak
perlindungan insuran;
iii. Dividen tahunan; dan
Kategori 3:-
Pendeposit membuka akaun untuk dirinya sendiri.
Keistimewaannya:
i. Perlindungan Insurans untuk pendeposit maksima RM50,000 jika
pendeposit berumur tidak melebihi 65 tahun;
ii. Khairat kematian untuk pendeposit jika pendeposit layak
perlindungan insuran;
iii. Dividen tahunan; dan
10. Sekiranya permohonan pinjaman diluluskan, adakah jumlah pinjaman tersebut
ditolak daripada jumlah simpanan SSPN pemohon?
Tidak.
11. Bolehkan simpanan SSPN digunakan untuk membuat bayaran balik pinjaman
PTPTN atau agensi lain?
Boleh.
12. Adakah simpanan SSPN dipotong secara automatik sekiranya peminjam tidak
membuat bayaran balik pinjaman mengikut tempoh yang telah ditetapkan?
Tidak.
13. Bilakah simpanan SSPN boleh dikeluarkan? Pengeluaran hanya boleh dibuat selepas 1 tahun menyimpan. Terdapat 2
jenis pengeluaran iaitu:-
i. Pengeluaran sekali setahun pada kadar 10% daripada baki akaun
atau RM500 mengikut mana yang terendah; atau
ii. Pengeluaran 100% atau penutupan akaun SSPN sekiranya
penerima manfaat memenuhi salah satu daripada kriteria
berikut:-
a. Diterima masuk ke IPT ;
b. Terkeluar daripada sistem pendidikan secara sukarela atau
diberhentikan atas sebab-sebab tertentu;
c. Sakit berterusan yang tiada peluang untuk sembuhdengan
pengesahan doktor perubatan Kerajaan;
d. Keilatan kekal dengan pengesahan doktor perubatan
Kerajaan;
e. Kematian penerima manfaat; atau
f. Kematian pendeposit.
14. Bagaimanakah untuk mengeluarkan simpanan SSPN?
Membuat tuntutan terus ke Pejabat PTPTN (dengan membawa dokumen
berkaitan seperti salinan MyKad pendeposit, buku akaun pendeposit, Kad
SSPN penerima manfaat, surat tawaran universiti/ surat akuan doktor dan
dsb; atau
Membuat tuntutan pengeluaran menerusi ejen SSPN : dapatkan borang
pengeluaran di kaunter-kaunter ejen, sertakan dokumen berkaitan dan
hantar menerusi ejen SSPN.
15. Siapakah yang boleh mengeluarkan simpanan SSPN?
Pendeposit sahaja. Penerima Manfaat tidak boleh mengeluarkan simpanan.
16. Adakah caj dikenakan jika ingin mengeluarkan simpanan SSPN?
Tiada caj dikenakan.
17. Sekiranya pemohon telah berumur lebih 29 tahun adakah akaun SSPN perlu
ditukar ke akaun sendiri?
Ya.
18. Di mana akaun SSPN boleh dibuka?
Akaun SSPN boleh di buka di kaunter One Stop Center PTPTN di KL
Sentral atau dibuka melalui ejen SSPN yang dilantikseperti:
i. Bank Simpanan Nasional;
ii. CIMB Bank Berhad;
iii. Agro Bank;
iv. Bank Kerjasama Rakyat Malaysia Berhad;
v. Bank Islam Malaysia Berhad;dan
vi. Maybank.
19. Apakah kaedah simpanan yang boleh dilaksanakan oleh semua penyimpan?
i. Tunai/cek cawangan bank (in house cheque) di semua ejen/kaunter
PTPTN;
ii. Arahan Tetap (Standing Instruction) – BSN sahaja;
iii. Debit Terus (Auto Debit) – Agro Bank;
iv. Potongan gaji
a. Kakitangan awam – melalui Jabatan Akauntan Negara Malaysia
(JANM) bermula pada Ogos 2007; dan
b. Potongan gaji agensi dan badan berkanun – melalui majikan
(tertakluk persetujuan majikan)
v. Secara online menerusi e-SSPN khusus bagi pelanggan bank Hong
Leong Bank Berhad, Public Bank Berhad, Bank Islam Malaysia
Berhad, CIMB Bank Berhad dan Maybank; atau
vi. ATM, Mesin Deposit Tunai, Phone Banking dan Maybank2u.com –
Maybank.
20. Bagaimanakah penyimpan yang ingin mengetahui baki simpanan mereka?
Semakan baki akaun SSPN boleh disemak atau dicetak melalui laman web:
www.ptptn.gov.my. Sementara semakan baki akaun boleh disemak melalui
khidmat pesanan ringkas (SMS) dengan menaip: PTPTN SSPN<JARAK>NO
AKAUN SSPN dan hantar ke 33199. Contoh: PTPTN SSPN
017401160354610
21. Bagaimana caranya jika ibubapa/penjaga yang berminat ingin membuka akaun
SSPN?
Bagi ibu bapa yang berminat untuk membuka akaun SSPN, mereka perlu
melengkapkan borang permohonan SSPN yang terdapat di ejen-ejen SSPN
atau datang terus ke kaunter One Stop Center PTPTN di KL Sentral
berserta dengan salinan dokumen-dokumen berikut :
i. Salinan MyKad/Kad Tentera/Kad Polis Pendeposit;
ii. Salinan MyKad/Sijil Kelahiran/MyKid penerima manfaat; dan
iii. Surat perakuan/sijil anak angkat, bagi pendeposit yang ingin
membuka akaun bagi anak angkat di bawah jagaan mereka yang
sah.
Pendeposit yang berpendapatan keluarga tidak melebihi RM2,000 sebulan, adalah
layak untuk dipertimbangkan pemberian Geran Sepadan. Salinan dokumen
pasangan seperti MyKad/Kad Tentera/Kad Polis dan salinan slip gaji/penyata
pendapatan yang terkini hendaklah disertakan bersama.
Tarikh kemaskini: 26 Mei 2009

This post has been edited by jkngo2003: Sep 20 2013, 03:40 PM

Maybank said can only open account once my baby is 6 months old. Correct ka?

guess it is NOT correct,
Apakah had umur untuk Pendeposit dan Penerima Manfaat?

Pendeposit SSPN hendaklah berumur 18 tahun dan ke atas manakala had
umur Penerima Manfaat adalah antara 1 hari hingga 28 tahun (1 hari
sebelum hari lahir ke 29 tahun). Penerima Manfaat yang telah mencapai
umur 29 tahun dan ke atas hendaklah membuka untuk dirinya sendiri.

http://www.ptptn.gov.my/docs/FAQ%20SSPN.pdf

This post has been edited by yklooi: Oct 12 2013, 01:29 PM

i settled my PTPTN means my SSPN account closed automatically?

Can my nephew (single) open an account?

refer to posts # 40, posted by
jkngo2003 Posted Sep 20 2013, 03:38 PM

Opened sspn acc, was told by mbb d card will send to us in 2 weeks time and only hv a paper with details of deposit given on the spot.

May I know is the account number be given later too for us to log in online?

let say investor "A" deposited in sspn in January 2014 and investor "B" deposited in June 2014 and investor "C" deposited in Dec 2014....is there any different in returns for (dividends) in 2015.

if the ROI is the same, then investor "A" is advise able to put the money in FD for 11 mths in January 2014 before moving to SSPN in Dec 2014. Is this correct/better?

This post has been edited by yklooi: Oct 30 2013, 10:08 PM

yes,...I think SSPN will sent you the a/c number and also a credit card like of membership card.

I dont think got difference. My colleague always waits till Nov before he deposits into the account. So yes, keep in FD for 11 months, then move over to this account.

[quote=yklooi,Oct 30 2013, 05:52 PM]yes,...I think SSPN will sent you the a/c number and also a credit card like of membership card.


do we need wait for any letter to open isppn online acc? Tried register online unsucessful

This post has been edited by wc3: Nov 10 2013, 10:47 PM

What is the problem you are facing actually?

Anybody knows when is the last date to deposit RM6000 to get tax relief for the year? If i deposit the money on 26.12.2013, can i claim tax relief for year 2013?

I believe yes. My colleague waits till last minute each year to deposit.

that's good, tax relief already can cover better than any FD

This year assessment tax relief maximum is 3k or 6k ?

point# 11
http://www.hasil.gov.my/goindex.php?kump=5...3&unit=1&sequ=1

SSPN website
http://www.ptptn.gov.my/web/guest/simpanan/cukai

Point #10 = 3k and Point #11 = 6k, so total is 9k for this year?

nay...only 6k (net) in

Sorry for bringing up an old post.
I did the sspn deposit through an agent booth inside a maybank branch last year by using credit card. Wonder any other bank branches or sspn office we can use credit card to do deposit?

Debit card only. Credit card no longer accepted for deposits.

Hi
Just to check with you guys before I proceed to the bank to open SSPN account for my kids, I would like to get ready all the necessary forms and documents.
Is this the correct form to fill? ( I am looking to open an ordinary SSPN account not the insurance type account)
http://www.ptptn.gov.my/docs/Borang%20PTPT...N%20TERKINI.pdf
What are the others documents required beside the kid's birth cert/ Mykid?

This post has been edited by virgoguy: Jun 7 2017, 10:18 AM

wanna ask, i've SSPN account last time when applying PTPTN but the account left there inactive for like 4 years now. I'm able to login just now and the account is still valid. However, the beneficiary name is my name though. Means that the money i deposit is just for my future study use?

What do u expect?

Just bring mykid or birthcert

I thought I can start saving for my kids in the future.

You have to open using your kid birth cert

Just the mykid & birth cert is okay

Kids not even born yet?

Kids need to be born from Day 1 onwards

---> Penerima manfaat mestilah berumur antara 1 hari sehingga sebelum mencapai umur 29 tahun;

URL: http://www.ptptn.gov.my/web/guest/syarat-s...an-akaun-sspn-i

This post has been edited by David83: Jun 9 2017, 10:16 AM

inside the form "Butir-Butir Waris Terdekat" Who should I put? myself ? since I am the "pendeposit"?

Alright thanks for the info!

anybody deposit using online method before?

I do it every year using FPX.

once upon a time, I have to find parking by going round and round Maybank to deposit cash using counter. Yes, have to queue up some more! Those were dark times....

Now I just use JOMPAY and happy happy boy I am .

Xuzen

Cool.. Thanks for feedback

But if need goodies.. Guess have to go pay by cash..

I need clarification on the tax incentive.
Both my wife and I are working, and both of us have income that qualifies for tax.
I just opened an SSPN account for my newborn daughter, with me as the depositor.
If I deposit money in the SSPN account, am I the only one who can get the tax incentive?
If my wife wants to get tax incentive, she needs to register as a depositor too?

This post has been edited by imnotabot: Aug 4 2017, 06:27 AM

yea, bear in mind, 6000 tax incentive is net deposit.




https://sspniplusonline.ptptn.gov.my/sspnip...e/?id=000006121

This post has been edited by Sunny zombie: Sep 5 2017, 09:26 PM

the account statement will show your name and not your kids name. so only you entitle for tax relief

I opened SSPN account this May under my father's name cuz I still haven reach 18. Why some people have SSPN card and some don't have like me? Also where can I withdraw money and close account?

hi all,

Is this doable?

1. On Nov/Dec 2017, I go deposit 6k SSPN for my child. (so that can get 6k tax relief in taxable year 2017).
2. On Jan 2018, I go close that SSPN account and take out all the 6k, and go invest something else.

Question:
1. Can I close the account and withdraw all the $$ in such short time frame?
2. If can do, will my 6k tax relief still valid?

Wonder if they'll continue the tax relief with the change of government? Should be, right?

Is there any benefit to depositing earlier than December ah? Dunno how they calculate interest.

They calculate interest on a daily basis. The rate is about 3.8-4.1%.

That's not true as I have deposits since 2015 that get exactly 4% per annum. Even though deposited mid December it only gets the full 4% in the following January (hence no interest for those 2 week's end December). No way it's getting daily interest.

I remember saw it in the net some years back,…I think it is something like this…..

If the dividend announced for year 2017 is 4%

1) Your last year’s deposit date, prorated by the number of months multiply by this 4%
2) Multiply balance in your a/c as at 1 January 2017 by 4%

Add 1 & 2, you will get the dividend sum for that year.

Caveat emptor….

possible to have two depositors for one sspn account? mean parent as depositor

U +kid1 = 1 account
spouse +same kid1 = another account

can use same child but different parent, kapeesh?

And U + kid 2 = another account. But same penyata because the penyata is for you not for the kid.

great......

I opened a SSPN account when I was studying and took PTPTN.

Now that I'm working, should I pump in some money for tax relief?

But seems like there's a lot of restrictions in withdrawing kan

You can't get tax relief for your own SSPN account. Need to open for your child and deposit into theirs.

was doing the same thing after finish my studies, a year later realized no tax relief for self account.
closed account, transfer all money to my maybank acc and dump all in SSPN-i plus

only get the dividen no tax relief