| 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 |
