camp. new user. 3% kdi save better than fd..

i test to withdraw from KDI save this morning, around 9am.

I have just received email from KDI saying that my withdrawal is successful. But when I check my bank acc, I dont see it.


How long will it take to reach my bank acc? Anyone tried withdrawing before? Can share the rough time taken?

look at your bank account tonight 10:30pm.
oh yea, same day withdrawal is only for working weekdays only

This post has been edited by Medufsaid: May 10 2022, 05:22 PM

You may check late night later (around 8pm~10pm)

MY original KDI Invest GROWTH RM1000 was at RM972.57 as at 9.5.2022

I topped up RM1000 9.5.22 early morning, hoping to improve it, but today noted total value RM1956.59 , it is even worse
Not sure is my original 1k went down further or the new add in RM1k kena chop.

How is yours?

usually money in around 7.00pm, only once very early by 5,00pm,
occasionally late till 10.10pm.
But once i kena money only came in next day!

Market down again. Right now it risk as market continue down, then lose more

Market down is time to put money in. Not when it's going up.

until today KDI only gives detailed transaction by the end of month right?
market dropped a lot on May 9. by May 10th 4am market close, there's a 2% drop, so RM956 is plausible. then addon the RM1k you deposited

true but nowaday it continue to go down.

Just sharing for the record.
Today my Asia allocation increased again, from 6.62% yesterday.

Maybe just maybe, they are trying to get on the same train. 😁🤑

"Asia stock stars may see more tailwinds even as world tightens"
(May 8): Fed hikes, decades-high inflation and Covid lockdowns in China are only adding to investor bets that Southeast Asia’s stock markets may be one of the best places to park their money right now.

Buyers are touting an economic reopening and the region’s attraction as a hedge against higher commodity prices, which is helping the MSCI Asean Index break out of a three-year relative downtrend versus its global peer. Foreign funds have been net buying Southeast Asia shares every month of this year, with total inflows of US$10 billion so far, Bloomberg-compiled data show.

https://www.theedgemarkets.com/article/asia...-world-tightens

https://www.theedgemarkets.com/article/bnm-...-record-low-175

BNM increase OPR to 2%, hopefully our KDI Save return rate can be higher, or maybe the 2.25% above 200k deposit can be higher.

So the AI harvested this news and decided it is a buy signal? 😂

since KDI Safe is so much more flexible, if the bank offers promo rate >3%, can always withdraw and park the fund there.

This post has been edited by Alocasia: May 11 2022, 07:35 PM

Unlimwly you are getting above 3% for anything form banks other than loans unless interest rate 2.5% or more.

Ya I don't think promo rate will go as high as KDI Save for quite a while. Since the KDI promo is until Dec, we shall see ...

Contacted KDI Save with the increase of OPR by 25 bps :

1) No change to the 3% since it is a promotion rate (till 31 Dec 2022)

2) No plan to change to the 2.25% pa rate for amount above rm200k.

Though, I can accept the (1) item but I don't really agree with the (2) item as effective their MMD placements and etc will yield higher returns for them

only hoping new deposit get to buy cheaper, bythe time initial deposit recovers this would make money .


that means my new deposit RM1000 did not lose money yet, best part it gets to buy ETF at cheaper prices right?
Any idea when is the actual buy in ETF effective? how many days later from our deposit day?

higher yield to them doesnt mean they are obligated to pass down to depositors

next year baru check2 see who offer highest yield.
If Versa then everyone will switch to it. If KDI Save still gooding then stay here lor.
Go+ how good also support up to RM3k only for the extra rates.

This post has been edited by Davidtcf: May 12 2022, 02:55 PM

This time TnG is a tad slow, their GO+ promo ended with the "coming soon" banner hanging for a while already... struggling to be competitive?