I've talked to TnG CS, she say it's dead due to ePemula. She expects that it'll stay dead for the rest of the entire day and I can start trying tomorrow instead.

Ah well. I'll just GO+ it out then. My money will arrive at the same time at this rate.

Did it before 4pm so its ok

IIRC KiplePay still have 1k, but you can't Duitnow there and can only use from the Debit card, still okay for me, not sure if suitable for your case.

Isn't withdrawal-ish behaviour on those platform with CC reloaded funds an instant death sentence 99% of the time? I've seen enough ghost story that I've never tried those, more tips appreciated 😸

Goinvest and GO+ different things, one of them is completely useless so becareful LOL

Okay so, since you prompted for a more serious answer, I'll just provide the facts and let readers decide which is which, which I think is a fairer way to handle spirit of the question.

GO+ is the rather no-fuss well integrated MMF with TnG eWallet that has been around for a while, and supports auto cash out when eWallet balance is low when making payments/toll and what not.
It's using Principal e-Cash Fund (Class A) as it's underlying fund. Current pays out a decent annualized yield of ~3.5% or so daily. Very liquid instant deposit and withdrawal (to eWallet). Straightforward, advertised rates are net of fees (On the GO+ page). I believe it has a hard limit of <10k if I recall correctly? Happy to be corrected.


GOInvest is basically a miniapp in TnG eWallet that onboards you to Principle Asset Management and offers you Principal Islamic Money Market Fund (Class D). Cash out takes up to 3 business day to be processed. So far demonstrates strictly inferior returns. It's also very likely to start pushing absolutely worthless unit trust product later on too due to the nature of the miniapp.
On a more subjective note, I find the "EARN 3.7% P.A!***" advertisement right below GO+'s Nett Daily Return Rate of 3.56% (captured 3/4/2023) misleading and reeks of bad investment salesmanship.


Discussion and corrections very welcomed! I'm by no means a smart bean, and I'm happy to learn from my mistakes.

This post has been edited by Hoshiyuu: Apr 3 2023, 11:58 AM

Yeah pretty much. "Just don't." is the answer to 99% of such product.

Doubly so when perfectly proven and paying product like GO+, Versa, KDI Save exist where the fund manager is actively propping them up with money from other place *cough* their other funds with high fees that baited people in *cough* to attract people to their platform. [[citation needed]]
Eat the bait but don't get hooked up.

I quickly did some napkin math on the Dec 2022 - Jan 2023 with NAV growth + distribution and I've got around 2.3928% annualized yield for that month. This is before fees too. Can you share your calculation?

The chart I included is just a quick screenshot for reference, since GO+ fund don't offer a NAV chart for obvious reasons.

Though, this does once again highlight they are products of different nature...

This post has been edited by Hoshiyuu: Apr 3 2023, 12:38 PM

I think those that get love letter for withdrawing CC fund probably just made it super obvious with instant withdrawal after deposit, and never use a single cents on TnG...?

Been withdrawing via GO+ to the limit every month since GO+ launched (10k++ before limit was imposed), and some of the funds are even reloaded and sent from relative phones, haven't receive any love letter yet...

Oh sorry if I caused misunderstanding, I don't mean your case. I am really happy that touchngo did that for you because the pattern would be very similar to a real fraudulent case. I would be more worried if they didn't do anything.

You make it sound like the team behind these products doesn't know what they are doing and what is possible, and even if they didn't, they would need to somehow find out only through some obscure zombie forum or Facebook chat....


Be realistic.

Out of curiosity, won't your friend's business reported renevue gets inflated and affect their taxation?

Hmm, assume they don't already massively underreport their cash sales 😳

Thanks for the answer! Appreciate it.

Can concur... with 5 credit card I was paying my car's hire purchase installments entirely from cashback for the last year or so.

Of course now the era of free money is ending, most RM50 and RM80 options is being revised down to 30 and 50 with higher "total spend" conditions...

This post has been edited by Hoshiyuu: Apr 7 2023, 02:00 PM

Not just you, but for my case, I was only logged out for 3 minutes around 1am, recovered fully after that.