返回名片 · Back to card

Ko-Khawan · Specific Savings+

特别储蓄计划与会员

Specific Savings+ & Membership

规划多一笔收入，让日常生活更从容。

Plan an additional income stream for everyday living expenses.

通过特别储蓄计划，了解月派息或年派息选项，为被动收入与现金流作规划。

Explore monthly or yearly payout options for passive income and cash-flow planning.

会员资格 Membership eligibility

须先成为 Ko-Khawan 会员，才有资格参与。

Only Ko-Khawan members are eligible for Specific Savings+.

马来西亚公民 · 年满 18 岁

Malaysian citizen · Aged 18 or above

入会费Entrance fee
RM10

退会时不退还。

Non-refundable upon cessation of membership.

初始会员费Initial membership fee
RM30

首次提交计划时缴付，退会时可退。

Payable on first SS+ submission; refundable upon cessation.

合作社股份Shares
RM100

退会时可退。

Refundable upon cessation of membership.

每月会员费Monthly membership fee
RM30

第二个月起缴付；退会时已付月费可退。

Payable from month two; paid monthly fees are refundable upon cessation.

月费从每月派息扣除；如选择年派息，则累计后从年派息中扣除。

Monthly fees are deducted from monthly payouts, or accumulated and deducted from the yearly payout.

储蓄与派息方案 SS+ packages

会员专享，限时提供；供应情况请先咨询。Members only, limited-time offer. Please confirm availability.

2 年期

2 years

月派息Monthly
—
年派息Yearly
8.5%

死亡／永久完全残疾锁定期：2 年Death / TPD lock-up: 2 years

3 年期

3 years

月派息Monthly
0.8%
年派息Yearly
10%

死亡／永久完全残疾锁定期：3 年Death / TPD lock-up: 3 years

6 年期

6 years

月派息Monthly
0.9%
年派息Yearly
11%

死亡／永久完全残疾锁定期：3 年Death / TPD lock-up: 3 years

10 年期

10 years

月派息Monthly
1.0%
年派息Yearly
12%

死亡／永久完全残疾锁定期：3 年Death / TPD lock-up: 3 years

10 年传承期

10 years · Legacy

月派息Monthly
1.0%
年派息Yearly
12%

死亡／永久完全残疾锁定期：10 年Death / TPD lock-up: 10 years

月派息与年派息为不同选项，不可叠加；2 年期仅提供年派息。上述死亡／永久完全残疾（TPD）锁定期不是一般提前退出期限。

Monthly and yearly payouts are alternative options, not combined returns. The 2-year plan offers yearly payouts only. The listed death / total permanent disability (TPD) lock-up is not a standard early-withdrawal period.

每月收入试算 Payout illustration

RM100,000 · 3 年期 · 月派息 0.8%

RM100,000 deposit · 3-year monthly payout option

每月派息 Gross payout
RM800
月会员费 Membership fee
−RM30
每月净派息Net monthly payout
RM770

范例按已收取月会员费的月份计算，仅供说明，不代表保证收益或保本承诺。Illustration for a month when membership fees apply; not a guarantee of returns or capital protection.

参与前须知 Important terms

  • 所有方案提前终止费为 30%；计费基数与适用条件须按正式条款确认。All packages list a 30% early termination fee. Confirm its calculation basis and applicable conditions in the formal terms.
  • 通过门户提交后，严禁更改方案、期限或派息方式。Changes to package, tenure or disbursement are strictly prohibited after portal submission.
  • 页面根据提供的计划资料整理；参与前，请向顾问索取最新正式条款，并了解资金风险与退出安排。Based on the supplied plan sheets. Obtain current formal terms and understand capital risks and exit arrangements before participating.

咨询计划与入会 Plan & membership enquiries

MR KAWAN ADRIAN · 016-412 3301

WhatsApp 咨询Specific Savings+ & membershipMR KAWAN ADRIAN016-412 3301了解遗嘱规划服务Will planning in Malaysia