February wasn't a good time to go in as stock prices were still quite high that time.. now they are near their support level each time hit will bounce back up a bit.

But dunno if can go lower. All depends on the Ukraine War progress and Fed's decision.

For me I will still DCA bit by bit once every few mths.

This post has been edited by Davidtcf: Jul 5 2022, 12:32 AM

If wanna avoid fee just make sure total amount don't hit 3k. Else mthly will see management fee come in. Below 3k they charge a very small amount of custodian fee just a few cents a mth.

Exceed 3k can withdraw to KDI save which is giving promotion of 3% till end of this year. Or withdraw to your bank account (can only withdraw to bank in your own name).

KDI is under Kenanga ya.. A public listed investment bank in Malaysia. Hence many of us trust and use this app.

----
As for stashaway their fees higher la. I don't like flex portfolio but still charge same management fee. Padahal no auto reallocation also.

ETF names easy la.. Just Google each of them see what they are. Search [ETF name] + factsheet.. Open and view their PDF every info inside there. Top etfs they let us choose is S&P500 and QQQ.

KDI invest also got these 2 in their growth or high growth portfolio/aggressive.

This post has been edited by Davidtcf: Jul 5 2022, 10:22 PM

okok forgot la.. I not using Stashaway flex mah.

Ok foc management fee till next year. Then after that got. Most people won't invest in such short term though at least 2-3 years to see some gains.

KDI Invest manage by AI. just choose your risk and it will allocate ETF based on that.
More aggressive focuses more on Equity side such as QQQ, SPY etf etc.
Conservative and Balance portfolio will focus more on bonds etf.

Those who invested in KDI Invest here mention Aggresive and Very Aggresive so far doing well for them.

Balance and conservative affected by huge bond price swings.. many of their price dropping in value that's why see much red. Due to Fed keep increasing interest rates causing bond prices to fall.

This post has been edited by Davidtcf: Jul 6 2022, 03:16 PM

bank usually need to lock down la like FD for many mths.. not liquid.
for that extra 0.2% I rather put in KDI Save.

Yeah, and 1 last difference is those kiasi people will favor FD more due to PIDM protection up to certain amount.

For us in KDI Save no such protection.
There are many investments no PIDM protection, is have to calculate all the risks see ok or not. Got SC approved is very safe liao for avoiding scams and such.

This post has been edited by Davidtcf: Jul 7 2022, 04:41 PM

Their AI algorithm is the one deciding it. Once market recovers will see more in the usual equity etf.

Good mah if not so much red. You prefer seeing more negatives?

This post has been edited by Davidtcf: Jul 8 2022, 06:43 PM

yeah that is why I switched to aggressive after that. Saw some paper losses.


you just came in thats why.. hard to compare with those investing for few months liao.

Aggressive the way to go for KDI Invest.
Bond prices will improve only after Fed stop raising interest rates. Now not a good time to go into them.
Each time Fed raise, not long you'll see your bond etf prices will drop. On the other hand yield/dividend will increase, but that takes a long time to accumulate. Plus for KDI Invest they buy US domiciled ETFs, which US imposes 30% tax on all dividends paid.

This post has been edited by Davidtcf: Jul 13 2022, 05:16 PM

Bear market good to enter. When market go up their prices will go up very fast.

When valuations are high eg. End of last year when Fed announce will start tightening, then best avoid entering. Sell and hold in KDI save better that time.

Got people share aggressive portfolio adi earlier this month. They comment how come don’t look like aggressive. Got mix of bonds also. Mine also same. But I rather got make some than suffer paper losses at balanced or conservative.

See next month statement on the breakdown.. then compare with prev months one. Not sure as well here..

This post has been edited by Davidtcf: Jul 13 2022, 07:12 PM

People don’t share statement as some mind to show people exactly how much they invested in. If you want know more pls try yourself. Already got a few testimonies in this page itself showing their profits (see the one above me). If you don’t want then stick to conservative. I not pointing gun at your head also.. you do as you like with your money.

Also recently I change portfolio from balance to aggressive, the number on my statement might not be right. I planning to share with you on August 1st so why not you chill and wait first? I also already stated others here share the statement before you just need to search.

What I want to say is within the rules. Not happy with what I said then go complain to the mods here see what they reply you. Respect freedom of speech of others here also.



This post has been edited by Davidtcf: Jul 14 2022, 01:10 PM

yea I quit my Stashaway and Mytheo already.
can really see how their management fees eat into your fund + how bad the investments are doing in this bear market.

Going more into DIY now via IBKR. KDI Invest also not much funds here but I feel is best and lowest cost among the bunch, especially if you new and trying out (below RM3k foc management fees).

KDI Save I trying to add more as emergency fund.. in case rainy days come due to recession (job loss? company restructure?)

Versa using Affin Hwang MMF offering.
Stashaway using AMIncome Fund by Ambank.
KDI their own since they are an investment bank.
All 3 also stable to use (unless if the bank itself KO which is highly unlikely)

But so far KDI Save fastest withdrawal among all of them, also highest interest for this year. So really no brainer to use KDI Save. I putting my emergency funds in there due to this fast withdrawal feature (dont follow if you cant accept this risk )

This post has been edited by Davidtcf: Jul 21 2022, 11:14 AM

got some risk also, such as sudden system downtime ka result in delay in withdrawal, or suddenly need money on Friday and can't wait till Monday to get your money.. since withdrawal are being process on weekdays only.. if Monday public holiday then need wait till Tuesday.. jialat. Hence, best to have a bit of cash in savings also to be safe.

This post has been edited by Davidtcf: Jul 21 2022, 01:55 PM

some ppl no backup plan and just dump everything thinking nothing bad can happen.

so gotta warn first. Nanti I kena blamed

ok.. at least not as bad as last time.. continue hodl hope things will improve soon.
Investing is a long journey not short one to see real returns.

This post has been edited by Davidtcf: Jul 26 2022, 09:30 AM

Yea as of now it's the best MMF in Malaysia. Next year we will rank again.

Daily interest. No fees. Promo period till end of this year for 3%. Next year dunno what's the new rate.

This post has been edited by Davidtcf: Jul 26 2022, 07:04 PM

just screen shot in your phone today's balance, then next day screenshot again.. u will see the total in Save go up. That is how u keep track la. If really got issue some here will make noise d didn't get the interest?


Try logout and log back in. Could be your wifi or mobile data weak hence didn't display the information correctly. Or try open again in a place with stronger signal. If really still got issue contact their customer support.

Mine Aggressive Growth seems similar to yours for allocation for KDI Invest.
What % are your losses/gains and started invest since when ya?

My statement % allocation below and ETF breakdown:



iShares Short Treasury Bond ETF | SHV
iShares Floating Rate Bond ETF | FLOT
iShares 7-10 Year Treasury Bond ETF | IEF
Invesco DB US Dollar Index Bullish Fund | UUP
iShares iBoxx $ High Yield Corporate Bond ETF | HYG
Vanguard Real Estate Index Fund ETF | VNQ
iShares iBoxx $ Inv Grade Corporate Bond ETF | LQD
Vanguard Total International Bond Index Fund ETF | BNDX

Aggressive Growth should have more equities, but this one mostly bonds and same as "balanced" type. Confusing
Suspecting their statement is not accurate. Bonds returns keep dropping hence it should reflect losses in the short term.
When I switched from Conservative to Aggressive Growth 2 months ago also suddenly see a spike in returns.

This post has been edited by Davidtcf: Aug 1 2022, 09:39 AM

got pros and cons to that I guess. Since it's AI the reaction should be faster than human. Let's see how it goes.
Putting some money in Invest just to test things out and for referral bonus. I still prefer DIY via IBKR.

all robo advisors will use US etf, hence by default all dividends are charged 30% tax. The amount you receive is after tax.

no estate tax if we use robo advisors since the companies like Stashaway are the custodian.. they using their account to buy ETFs on behalf of us. Also if you read the page on Stashaway your investments is safe even if they go bankrupt: https://www.stashaway.my/help-center/360009...s-my-money-kept
KDI also same, under Saxo: https://digitalinvesting.com.my/faq/ (read under Security and Protection section> "What happens to my investments if Kenanga Digital Investing (KDI) closes down, gets acquired/goes public?")

If you self invest in US stocks or ETFs, estate tax only applies if you have USD60k and above in brokers like IBKR. Some people workaround this by sharing their login and passwords with their loved ones (as long you don't get caught).

If wanna self invest and avoid estate tax, then invest into Irish Domiciled ETFs e.g. VWRA, VUAA, CSPX, etc (these are similar to US etfs but are for European or non US people to invest in - they will have the word "UCITS" in their ETF name). They also charge lower dividend tax at 15%. Why robo advisors don't invest in them? Their excuse is liquidity. I am guessing it's due to higher fees involve when buying them too.

whether KDI will help us claim back withholding tax you can send a chat inquiry to KDI via their site.. I think got people here ask before. But so far from most people who use Invest the performance is better than Stashaway.
Yes 0.3 to 0.7% is their management fees depending on the amount you invest in KDI Invest. All robo advisors got this fee. You can try below RM3k if wanna avoid this fee.
If hate this fee, I suggest self invest using IBKR.. but using that you'll need to pay Wise transfer fee also.. And also currency conversion fees. However they are 1 off. Also need to learn more on how to do them. You can check Ziet Invest youtube video on how to open SG CIMB account, using Wise transfer to IBKR.. all in his videos.


This post has been edited by Davidtcf: Aug 5 2022, 11:04 AM