I learnt this concept from GenXGenYGenZ back then when I was still a student. He also said that focus on saving your first million and the following steps would be easier. Even with 1M, and 4% p.a averagely back then is already 40k p.a and 3.3k per month. Can you consistently make 3.3k nett from other investment like stocks monthly? And one may need to sell the stock before they can take the profit.

The key to this strategy is when can you earn your first million ? If salary worker you can do some maths if can hit by the time you retire then yes that strategy works. If cannot hit then the strategy does not work out very well isn't it? Also don't just look at the 3.3k in your e.g also need to factor in the rising cost of living and any other loans you haven't pay finish like house, car, kids education etc.

I'm merely suggesting that 3.3k as additional & passive income, not ask u to retire w 3.3k to spend monthly.
Agree that the question is HOW to attain that first 1 million. I'm a bit old school and still believe in invest in yourself, upskills to increase job income, and stay frugal.

Anyway I think we are a bit derailed from the KDI topic. While my close friends are whinning on how much they lost in stocks/ crypto, I'm just happy that at least I have 3% + my capital. Even now invest in property with 3% p.a return is very good already.

Yeah i remember that guy, prolific writer damn active in early versions of FD
he even went labelling almost everyone there.
FDMCGC - Fixed Deposit Musical Chair Gamers Club
FRMONBWFDP - Freaking Rich Members Or Not Bothered With FD Promotions

https://forum.lowyat.net/topic/2451962
i remember a very heated argument with him as well BR FD.



I agree, if not people no need to work already all sit in computer doing investment to make a living.
Peddlers come tell me this one guaranteed 10% return,
i ask why not you go take a loan and earn the extra yourself?

If you know what you are doing yes. Can be done. Rm3.3k/month. Been there and down that. But question is how many people can get that 1m? I am still no way near there. Maybe 40-50%mark.

That's the main point. Very difficult to get the first million.

guy3288 don't worry. I think by next year. You can get back 4%p.a FD rate at the rate US is increasing their rates, Malaysia have to follow. No choice.

come what it may we just have to face it
but 4% is still abit too low...


and this many have been asking past many weeks....finally pending....


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it seems the referral rewards are coming in

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

Referral money reflected in KDI invest

And so fast loss already - down 6 sen from rm30 😅


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Referrer and referent' s full name all disclosed
no thanks to the RM10 token!

lol yeah, they are so insensitive about privacy
literally received a referral summary email containing my name and all the referees name, daheck

replied to their email to give them a warning

i have pre-empted that by giving my downlines' code instead

Now, no information at all about the referral reward as per the email.

So, we won't know and there is no way to check whether we get all the referral for the friends that we referred.


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in the end consistency is the key, but when comes to investment , invest in what you know but not just join the bandwagon.

I learnt my investment from my dad, he focus in income from his business. how about his savings? Does he put into stock, he never cause he know his weakness and he doesn’t have the time to do so.

What he did? ASM, financial advisor to invest for him, average out 6-10% yearly and don’t forget the power of compounding interest.

I am gen Y again we can’t compare our generation with baby boomers, its different

For me, i am focusing increased my income, save hard earn power in ASM and EPF, I do bit of trading stocks, unit trust etc
So far its good well.

stick to what you know, if you want to do something learn it don’t just do it for the sake of greed.

WOW that is very good.. 6-10% is after deduct commissions/fees?
High risk or low risk?
Since you said yearly, im assuming its long term investment?

low to medium, average out combining his overall portfolio. may be after deduction

FOMC meeting date to watch out

just notice that i can filter out the Net deposit or current value from the TOTAL INVESTMENT SUMMARY graph.
but why is there a bump showing the current value increase and drop back as below ?

Yes, consistent 6-10% is enough
no need to be greedy for 10-15% with huge swing up and down.
becos many ended averaging out at below 4% in the end.

the graph/smooth line not so accurate la, better use the black straight lines
Mine also got that artificial bump up, not true value.

Also if use 1 week chart again not accurate, see like i started off with 0 on 19.5.22 , not true again.
even the accumulated returns are not accurate, actual value way above RM5000, there u see only RM1511..

what is the use i wonder...




and if put 1 week


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