looks pretty but useless smooth-line chart --- bad use of chart

the algorithm to smoothen the chart will create misleading bump or dip.

straight line is always better to show exact value over time.

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.

1st of all, according to the TnC, fees only charge for DEPOSIT above 3k, not account value above 3k

2nd, you need to be clear why you're investing. If you are so concern about the fee and keep investment amount at 3k, assuming 8% pa compounding, it will grow to 6,476 10 years later. RM 6,476 will make a difference to your life 10 years later?

Even with 10%, 10 years later will be just merely RM 7,781

Why the hassle?

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

so hows the KDI return so far? if compared to stashaway?

For balanced portfolio:

fiholicMD started a new account for KDI aggressive

the graph i plotted


This post has been edited by Medufsaid: May 30 2022, 01:19 PM

As of today : 30th MAY 2022.

Risk Profile : BALANCED

Initial Investment : RM10,000



This post has been edited by _kilakila_: May 30 2022, 02:03 PM

surprised yours didnt pick up?? Mine all positive already


Attached thumbnail(s)

his is balanced risk profile. there could be more bond ETFs in his portfolio

This post has been edited by Medufsaid: May 30 2022, 02:39 PM

Yours is GROWTH mine is BALANCED portfolio.

Deleted

This post has been edited by _kilakila_: May 30 2022, 02:53 PM

May statement for KDI BALANCED Portfolio.



This post has been edited by _kilakila_: Jun 2 2022, 01:01 PM

Portfolio: Conservative May22 statement

Special note: BNDX back in action

This post has been edited by bcombat: Jun 2 2022, 10:34 PM

Aggressive Growth. VT from March 63% to 2.07% in May. Betul ke ni?

market crash. so expected that result. you must be long did not follow market news

Hopefully someone got keep track of how original 63% vt performed. Manage to preserve capital? this feels suspiciously like buy high sell low.

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.

my account activated today, transfer money in as well, but pending there. thought immediately pula.

changed my risk profile from balance to growth.

iinm 1st time masuk invest will take abit longer

btw how to change risk profile?