刚听朋友说，这个可以扣所得税。利息还蛮高的。。。 可以考虑考虑。。 
http://www.ptptn.gov.my/web/english/savings/advantages
| Details | SSPN | Bank (Education Savings Product) |
| Rate of dividends/profit | 2004 – 3% 2005 – 2007 - 4% | 2006 1.5% - 3.1% |
| PTPTN Loaners | Qualified to apply | None |
| Exemption of tax on savings | Maximum up to RM3,000 | None |
| Exemption of tax on dividend/profits | Tax exempted | None |
| Risks | No risks – government guarantee | Low risk - depends on bank stability |
| Insurance | Maximum up to: i. RM50,000 (General Insurance –Account opened by individual) ii. RM100,000 (Trust Insurance -Account opened by head/management representative of orphanage) | None |
| Matching Grant | Maximum up to RM10,000/family | None |
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