thank you for your answer..
wanted to hear from one of you about it. Now I know the reasons.

true now is a bad market year.. near the end invest will be safer. News will have hints when that time will be.

Very nice. 👍
Too bad I always slow in giving referral codes here 😆

I just pumped KDI invest more up to 2.8k total

now wait for it to grow. Exceed 3k will then transfer some to KDI save for foc fee.

good time to top up when stocks hit all time lows.

It is "amount invested in KDI Invest", stated here:
https://digitalinvesting.com.my/pricing/

This is just funds park in KDI Invest for easy access (i'm in Balanced portfolio). My bulk is DIY investing via IBKR - majority of my US stocks and ETFs are there like Google, Apple, VWRA, VUAA etc and growing

Don't think it will be 10% in 10 years later, this is way off estimate. Just see price of CSPX (S&P 500 ETF) if you bought in 2010 compare to now:



This post has been edited by Davidtcf: May 27 2022, 10:57 AM

For balanced portfolio:

most important right now is did you paper gain or loss?
they using AI to handle portfolio btw.. not human.

if got paper gain I don't see why this is a problem.

it mentioned only "management fee" is free at their site:
https://digitalinvesting.com.my/pricing/

even if DIY, will need pay fee for Wise to transfer money. Or in IBKR need pay USD2 to convert from SGD to MYR. Somewhere along the way sure got charges.

i changed mine to "aggresive" liao.. bond returns really bad now for balanced portfolio. Hope i went in at right time.

-deleted-

This post has been edited by Davidtcf: Jun 10 2022, 08:55 AM

No.. it was just changing the risk profile.

I deposited the money two months ago. May it’s from sale of bond etf? Balanced portfolio has a lot of that. Or maybe from dividends.

This post has been edited by Davidtcf: Jun 9 2022, 11:46 PM

For kid better to put in SSPN account (using their own name) as you can claim yearly income tax for amount in it. In future will need SSPN if want to apply for study loan PTPTN. SSPN interest fluctuates yearly. Last few years was around 3-4%.

If got extra after putting in SSPN, then can then consider KDI or other investments (but need to use parents name).

I decided to yolo and switch to very aggressive. Kek sim see all the bond returns keep drop.

Still got time on my hands to see them grow.

later check statement see what they invest in for very aggressive.. I remember I saw Brazil ETF in there too.

This post has been edited by Davidtcf: Jun 17 2022, 10:41 AM

KDI Invest takes time to grow.

So far aggressive or very aggressive growth seems to be doing well with most users. Can try these first.

This post has been edited by Davidtcf: Jun 24 2022, 12:05 AM

can ask those that have statement for it. On the list of ETFs invested. Or can search past posts here.
They have very diverse ETFs - including Brazil, S&P 500 etc and is managed by AI.
I had switched to very aggressive recently.. but it was only last week.
Can start to see it improved if compare to Balanced.

Yea but this is "since Feb 2022". If enter recently some said to be positive liao.
Maybe those who invested longer can post their returns here.


This post has been edited by Davidtcf: Jun 24 2022, 11:33 AM

there's no re-optimization for SA flexible portfolio though. Need to self manage.

Also SA charges a higher fee (flexible has same fees also) compare to KDI . Can see their breakdown here:

https://www.stashaway.my/pricing
https://digitalinvesting.com.my/pricing/

every year the fees will add up and become a big snowball later on.

This post has been edited by Davidtcf: Jun 24 2022, 12:20 PM

that's only 1 year.. if invest 1 year then didn't make how?

KDI save even better, if below RM3k they FOC manage for you
good for those who wanna try things out or don't have much to invest with.

btw I tried stashaway before liao.. when they were messing around with KWEB. Withdrew everything when I see my funds kept going downwards.
Prefer KDI Invest over them. The return numbers speak for themselves.

This post has been edited by Davidtcf: Jun 24 2022, 04:13 PM

Need to download statement on every 1st of the month to see what etf went up or down. There’s no other way of checking in detail.

hope next year still remain 3%, or at least higher than other competitors.

try yourself to see la with small amount e.g. 200-300 (below RM3k KDI manage FOC for you - no management fee). choose "aggressive" or "very aggressive" both doing well according to forummers here.
Once you confident then slowly DCA in more every month. This is the best way to know.

Balanced and Conservative returns not doing too good now due to Fed raising interest rates causing Bond prices to fall.

Best is DIY but need much more steps transfer here and there with Wise / CIMB SG. I'm moving fully into DIY already after consulted with my investor friends.
Both can open fully online but some people don't like leceh or just scare. Money in overseas also. So some will opt for roboadvisor like KDI Invest. But at least you're better off in investing rather than letting money sit idle in the bank.

as for your FSM investments just leave them there till make profit only withdraw la. Else lose a lot if sell now.
Also stop DCA with them liao since you hear bad feedback from others here too.

This post has been edited by Davidtcf: Jul 4 2022, 04:43 PM