That only beneficial if you don't use money from epf to put into sspn...
There is a risk free rate to beat and opportunity cost to think about

Putting money more than 8k will not gives you extra tax relief... That money "saved from tax relief" would be better put inside epf than sspn

Of course need to calculates else one will not know the impact...

if u put in 8K into SSPN in dec, and then new year Jan you withdraw 8K
then for that year, in order for you to enjoy another tax relief of 8K, you need to deposit 16K into SSPN
correct me if im wrong

To me, with government back usually guarantee la, look at 1MDB, letter of support from Najib is like a guarantee. That's why private financial institutions like Goldman Sach take the deal and private bank or investors loan Najib money. Unless you don't trust those private institutions judgement. Don't worry money keep in SSPN will give good dividen and tax rebate, double whammy. UT never give u bonus like that. Not against UTs, to each their own. Isn't sound judgement to spread around and diversify portfolio, those singles cannot make use then go for others, you see, at each your age, situation, u look for the investment best suit and give u the best advantages. Just like you goto cinema, if u 60s u get the discount, if you are below 12, u get half price.

Free country la, can suggest one....others different thoughts ok for me, no worry.

I'm checking today like what you mentioned under "My Account", select year "2020", click "Search" but there is nothing for me to click to print or download the statement... search whole page and cannot find it...

You can choose when you are self employed.

Well i did read all these website before BUT it never mention if we din choose ARB , what will the nominees do to get the claim....

Oic. mean no choice have to choose ARB in the nomination.

Deduction of any percentage of choice?

usually, main letter already pre-printed in bulk, usually header, footer, general T&Cs, etc

they dont print whole letters and mail to you

usually they print dates, address, name, etc which is personalized to the recipient

I am currently working in the pharmaceutical industry, hence it should not be an issue for me to maintain my employment during this time around.

  Me, majority I still leave inside as one of my diversified low-risk passive income for future.
Minority I withdraw to try out the investments and I leave it to my agent to move the portfolios around, since there are annual fees and it is their job to perform better. All funds are in profit range for me right now, highest 35%+ and lowest 1.x% (recently switchover) on total return over all the years.

Some have invested for >9 years already, latest switchover is ~1 year ago (refer image below). I do continuously keep track of the current total value/worth inclusive of annual y-o-y compounding for scenarios if I do not withdraw out from EPF. Now, I would have 14%+ more profit as of Dec-2020 if the same initial investments are not withdrawn out from EPF. 

Once EPF declares 2021 dividend by Feb/Mar 2022, then I can generate my opportunity lost by not leaving it in EPF until Dec-2021.

Anyway, I'm not going to do anything but just leave it there for 10-30 years as a guinea pig to compare the returns.

My expectation is any investment outside EPF will have higher risk and hence higher returns (or loss).

I guess most others who has taken out will not admit making less than EPF    or maybe they don't really count on y-o-y compounded. e.g. even a 9 year 35% total return is equivalent to 35/9 = 3.89% p.a. average out, which is still less than EPF average of 6.12% p.a. for the past 9 years.

Only those who make more than EPF will brag about it. But hope they consistently brag and share their returns here every single year as a case-study comparison.

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TL;DR:  Yes to your question. My EPF is still giving giving higher returns than investments using EPF-allowed-funds.

Yes, I'm fine to forgo this minority part of my investment for the sake of statistics to compare strictly EPF vs investment-using-EPF. The profit/loss doesn't really matter to me over the rest of my total savings/portfolio/investment. If you notice above, I slowed down after 2016 as I already realised by then EPF returns is higher.

Whether the amount is big or not is subject to individual. 100k maybe big to some, 1M could be small to others.

My agent don't eat %, I recall from EPF the first time invest is lower like 1%
Each time take profit and switch funds, the agent will inform me to do it myself online to help me save the fees. He's my friend and does not take the switching fees as profit from me.

Waiting for the rest to contribute their y-o-y ROI from investments using EPF funds ...

That's the thing with various fund managers, etc. will share the previous returns of good investments to sell to you.
Then this famous clause, past performance is not indicator of future performance/results.

Hence, back then nearly 10 years ago, I decide to commit to long term 10-20-30-40 years guinea pig to satisfy my own curiosity.

I can tell you over the years, the investments-using-EPF bounces up and down, it really needs long term 3-5-7 years to see it or maybe even longer. What I'm sharing now is current state of my EPF is performing better. Some others maybe different.

But we never know, maybe 10-20-30 years later, when the time comes for me realized the profit and cash out, withdraw from EPF, then I will update the true performance of my EPF vs investments-using-EPF.

But as of right now, and indication wise ... is not good.

Thanks for sharing yours, it's a bit too short term IMHO, hope your investment/funds can perform better than mine 

To switch fund or not, it really depends. Let's say fund A has a consistent 8% p.a. return. Then foresee opportunity fund B will return 20%. So you jump over, after sometime, take profit and buy back fund A after 1 year (let's make it easier). So you lost 8% from fund A, but make 20% from fund B for a year. Nett profit is 12% extra for all the additional efforts.
( looking at your performance,...this is definitely not the case....luck had not been at your side for the last 9 years?)

Imagine different scenario if fund B only return 5%. Your nett loss is 3% if you just leave it in fund A.
Imagine scenario if you just leave it in EPF also.

P/S: this is a long term investment, if you looking for weeks/months/1 year, go for other investments.
(for me, 9 + years,...is enough for me to to convince myself to see what i need to change, which is most probably my own ego)

Compare to some of my other friends with other agents, their current returns no matter how many years, some are in the red ? Who's luckier ?

At least mine is all green.

Anyway, like I say this is a minority of my whole portfolio. Who knows another 5-10-20 years later, I'm curious to know for myself

i just had to admire your principle of just bcos you wanted to compare the performance of your own agent suggested investment with just leave it in EPF....
you are willing to forgo your own money.

......

i have not advised anyone to withdraw anything if that is what you mean.
i take it as akin to a bond, a Ringgit denominated one.

i am only anti EPF as far as it's transparency is concerned. And i have been with EPF for 40 years.
Recently EPF invested in Riverstone Holdings Ltd and if the edge is to be believed looks rather dodgy.

https://www.theedgemarkets.com/article/epf-...L_gFL8.facebook

And of course past history of MAS et al.