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-Aktan-
post Apr 15 2018, 11:06 PM

2.6b dah masuk bro
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LOL Saving plan also need to go through agent...

every month contribute 30% to agent for first year


come come Income Builder Plan - Save 6k this year can withdraw 2K, 33% return in 1 year!!!!! dont know what's income builder plan??? GOOGLE LA

INCOME BUILDER 8228 3288 2829 2928 ALL OUR PEOPLE
christ14
post Apr 15 2018, 11:45 PM

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QUOTE(pisces88 @ Apr 15 2018, 10:46 PM)
You dont know about sspn? Education fund for ur kids
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oh really? then i gotta read up for the info.

i have no clue on this. although still single notworthy.gif
Harddisk
post Apr 22 2018, 02:10 AM

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QUOTE(samsungXP @ Apr 15 2018, 02:17 AM)
Can i know which bank saving plan is good ? Juz need tenure 6 - 10 years. Only for saving coz insurance plan ord have
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I took a saving plan by HLA. Look out for it, I think it's still available. Minimum lock in, 6 year. Return quite high.

QUOTE(kelvinlym @ Apr 15 2018, 06:15 AM)
Higher interest comes with higher risk.

No free lunch there.

Maybe in the form of a lock period which is a form of liquidity risk.
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TS dah la cakap 6 - 10 years and you go babbling about liquidity risk.
alwinnng
post Apr 22 2018, 02:12 AM

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QUOTE(viole @ Apr 15 2018, 10:27 PM)
the best is asb.

if not eligible, maybe can pm for deal  brows.gif  brows.gif  brows.gif
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Ugpm
pisces88
post Apr 22 2018, 02:15 AM

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QUOTE(Harddisk @ Apr 22 2018, 02:10 AM)
I took a saving plan by HLA. Look out for it, I think it's still available. Minimum lock in, 6 year. Return quite high.
TS dah la cakap 6 - 10 years and you go babbling about liquidity risk.
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HLA... that is not saving plan my friend.. Jus a way to sell their product by insurance company

Whats the return when u withdraw after the minimum of 6th year?
adren1
post Apr 22 2018, 02:33 AM

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Harddisk
post Apr 22 2018, 02:46 AM

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QUOTE(pisces88 @ Apr 22 2018, 02:15 AM)
HLA... that is not saving plan my friend.. Jus a way to sell their product by insurance company

Whats the return when u withdraw after the minimum of 6th year?
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There's a guaranteed return, average to 6.9%/annum. Interest applied on this amount if you don't do withdrawal on it. There is also dividend, but forgotten the rate. My last calculation based on best rate, it could go up to around 9.7%/annum.

Yes, withdraw after completed 6 years tenure. It was backed with PIDM as well.
heavensea
post Apr 22 2018, 02:59 AM

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saving plan that you need to contribute monthly?
how about no...
pisces88
post Apr 22 2018, 04:17 AM

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QUOTE(Harddisk @ Apr 22 2018, 02:46 AM)
There's a guaranteed return, average to 6.9%/annum. Interest applied on this amount if you don't do withdrawal on it. There is also dividend, but forgotten the rate. My last calculation based on best rate, it could go up to around 9.7%/annum.

Yes, withdraw after completed 6 years tenure. It was backed with PIDM as well.
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i think there was a thread in Finance discussing this so called 'saving plan' from HLA, busted their myth of so called 'guaranteed return'...

im quite familiar with the returns, dividends, and surrender value.. many HLA agents have explained to me laugh.gif
Harddisk
post Apr 22 2018, 07:25 PM

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QUOTE(pisces88 @ Apr 22 2018, 04:17 AM)
i think there was a thread in Finance discussing this so called 'saving plan' from HLA, busted their myth of so called 'guaranteed return'...

im quite familiar with the returns, dividends, and surrender value.. many HLA agents have explained to me  laugh.gif
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I did the calculations. Only those that don't understand it said it's a myth.
pisces88
post Apr 22 2018, 07:26 PM

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QUOTE(Harddisk @ Apr 22 2018, 07:25 PM)
I did the calculations. Only those that don't understand it said it's a myth.
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30%dividend per annum? Hahahaha
smallcrab
post Apr 22 2018, 07:34 PM

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QUOTE(saiga @ Apr 15 2018, 08:49 AM)
Masuk SSPN la. 4% yearly. Got rebate for income tax summore.
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me too put inside sspn.

but assessment year 2017 is the last year for incum tax rebate.
Assessment yr 2018 no more.
sadding
Harddisk
post Apr 22 2018, 08:03 PM

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QUOTE(pisces88 @ Apr 22 2018, 07:26 PM)
30%dividend per annum? Hahahaha
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I've already said, average to 6.9% per annum. Not including dividend.
saiga
post Apr 22 2018, 08:17 PM

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QUOTE(smallcrab @ Apr 22 2018, 07:34 PM)
me too put inside sspn.

but assessment year 2017 is the last year for incum tax rebate.
Assessment yr 2018 no more.
sadding
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Already extended until 2020 la.
smallcrab
post Apr 22 2018, 08:29 PM

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QUOTE(saiga @ Apr 22 2018, 08:17 PM)
Already extended until 2020 la.
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OK, just googled about that.

another 3 years tax relief

Thks for info thumbsup.gif
ar188
post Apr 22 2018, 08:35 PM

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QUOTE(pisces88 @ Apr 22 2018, 04:17 AM)
i think there was a thread in Finance discussing this so called 'saving plan' from HLA, busted their myth of so called 'guaranteed return'...

im quite familiar with the returns, dividends, and surrender value.. many HLA agents have explained to me  laugh.gif
*
this 2 threads ah? biggrin.gif

https://forum.lowyat.net/topic/3602419/all
https://forum.lowyat.net/index.php?showtopic=2723676
poooky
post Apr 22 2018, 08:40 PM

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vanillapire
post Apr 22 2018, 08:49 PM

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QUOTE(saiga @ Apr 15 2018, 06:00 PM)
If really uncle then good. Open under your kids name la.

I myself open two accounts. Summore this year got free rm500 grant for kids 7-12 years old.
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You must have misunderstood hos questions..

He was literally asking you is there age limit to open a sspn account?

He is not very sure about it because he quite old already
pisces88
post Apr 22 2018, 10:08 PM

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QUOTE(Harddisk @ Apr 22 2018, 08:03 PM)
I've already said, average to 6.9% per annum. Not including dividend.
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Ops sorry, Yes i noticed u said didnt include dividend.

I meant to say, 'you believe the agent when they say dividend 30%'? Invest 12000 a year.. The dividend is 3600 @@

What does ur policy say you will get when you terminate the policy / upon maturity? I rmber there is no 'guaranteed return / guaranteed profit' , only 'worst case scenario / best case scenario'.

Correct?

Anyway, its your money. I jus wanna start a /kopitiam talk, no offence smile.gif
pisces88
post Apr 22 2018, 10:10 PM

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QUOTE(ar188 @ Apr 22 2018, 08:35 PM)
Tq unker hehe biggrin.gif

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