Yes come do mass withdrawal
Today i sent RM200k x5 out
to citibank 4.8% FD.

Campaign/Promotion/development budget.....
not much also lah only RM50k each
they need more of numbers on paper rather than profit...

300k per transaction? Not much use unless KDI can get the banks to allow that first...
daily limit is not a problem from KDI, it is bank limiting..

If KDI people reading, Follow Versa, FSm, Phillip eUT to allow more than 1 bank accs for withdrawal purpose,
only 1 now makes it difficult to move big amount in 1 day online..


actually no locking at all, can freely move as we like
this is the beauty of KDI..support

capture market share maybe
drive competitor out not easy unless KDI have very deep pocket to keep pampering us
slaughter us no way
people are like free flying birds

KDI safe is more like an attraction to bring us in
hoping some spill over fall in love with KDI Invest.. that is where the money is

I dont think money lying in security trust account is any safer just because there is hardly any interest,...similarly i dont think if KDI increased its campaign rates means it becomes more risky....the same goes for bank which offering different FD rates eg 3month 3.3% and 18month 4.4 % i dont think that 18month FD is riskier.

You WD after 11am, it will be processed next day
next day your bank is Bank B

i guess you will get all money X+Y in bank B
processing is around 4pm so even if morning your profile is Bank A, by 4pm if it is bank B money will be in Bank B

give it a trial , i just deposited RM29k+ top up my Versa Cash to make in near RM30k

in terms of speed of deposit and withdrawal, Versa cant fight KDI
interest calculation also cant fight KDi's very transparent interest that can easily be checked.

Now the most important thing is
1)how fast deposited money is captured and starts earning interest in Versa and
2)how fast we get back after click withdrawal in Versa

Assuming deposit in lose 2-3 days, withdrawal out lose 2-3 days compared to KDI
total loss days = 6,

Versa offering 4% first RM30k also cant beat KDI 3.5%

Transfer from your 1st RM30k from KDI to Versa, you rugi

extra earned from RM30k x 0.5% in 30D =RM12.33
6Days loss of interest in KDI =RM30k x 3.49% x6/365 =RM17.21

Even if you have RM80k in KDI and you transfer the excess RM30k out to Versa still rugi
as you sacrifice RM14.74 for 6 days interest loss.

So Versa you wanna beat KDI 3.5% make sure you dont take too long, max in and out total 4 days still can consider
if 6 days sorry lah no point we move out from KDi





may not be applicable , in any case the difference is tiny, insignificant

New money from elsewhere can try versa
If WD from Kdi to Versa not Worth it methinks
WD lose 1 day put in versa lose 2days..

You are missing the main point of the post.

It was meant to say think first before act.
(worth it or not to jump from 3.5% to 4.0%)

You think it was meant to tell you go Versa earn few dollar extra?
Wake up bro, read again.

Just like you must also think first before open your mouth.

How can you compare giving tips to an action meant to make money?
People switch from KDi to Versa for fun?

Your maths too good la: giving tips same as switching fund
close 2 eyes no need to check and pray for the best......

common sense la,
between 3.5% and 4% how BIG difference you expect?
ridiculous if you think switch from 3.5% to 4% can earn alot more.

you are still missing the point!

whole message is:

WORTH IT OR NOT
for those thinking to switch from KDI to Versa,..

dont just look a dollar and sen numbers only without understanding the message.

MESSAGE IS: may not be worth the trouble to switch!

This post has been edited by guy3288: Nov 2 2022, 01:12 AM

you must be blind if cannot see the figures presented

and dumb as well with daily gain of 0.0001 ......

that dupe again? sounded familiar ...."brain damage despite stopped facepalming" kaki

i have made some calculation earlier for people contemplating moving out to Versa...
but one pretend clever gooroo thought i was chasing after extra RM5 for myself!

i would say even above RM50k in KDi, not worth moving out to Versa if you need to move money
in and out like i did in KDI becos Versa is SLOW both ways

WD KDI lose 1 day, deposit Versa lose 2days. I can do that few times a month in KDi, no problem.
but if Versa susah, slow.


He already have more than RM50k in KDI...that is why he asked.

If transfer out from KDI to Versa ,lost interest is 3days, not 2
still can earn extra Rm14.80 yes
Next you did not take into account
1.Delay in getting money when withdraw
2.must stay put no withdrawal till end, unlike KDI in out in out
number of lost interest days much lesser compared to versa

Sikit extra ada, question is worth transfer out or not?
To earn that extra you need wait till complete 60days,
To lose that amount it happens instantly the moment you transfer out from KDI to Versa

Further how Versa calculate we dont know, unlike KDI i know exactly how much interest would be..end of day if versa pay lesser than your calculation they can excuse payout in units cant guarantee the unit price must maintain, no way we can argue

This post has been edited by guy3288: Nov 3 2022, 12:27 PM

say money in KDI, you Wd this morning before 11am, tonite you get money deposit to Versa
and 2 business days later start earns interest in Versa, today lost 1 day interest due to Wd from KDI
tomorrow and day after lost 2 days due to waiting for Versa to buy units -total lost 3 days right?

Now read the T&C you shared here:
The Campaign Reward will be paid to the User(s) on a first-come, first-serve basis. In the event the total Campaign Reward has been fully utilised, User(s) will continue to earn Versa’s base net return rate of 2.5% p.a.

Meaning base is 2.5% everyone sure can get

But extra 1.5% add up =4% , is not for everyone......upto the campaign allocation used up ,next customer may not get

teruk lah like this,,,,,,if the campaign attracted too many customers and the allocation extra 1.5% used up, whoever go in later wont get it, apa dapat? only 2.5%

Did you include this when you submitted query?

I think this FCFS till allocation used up many dont know,
Everyone thinks oh Versa so good offering 4%
Small print there not aware


So kedekut meh Versa take out only RM10k to fish customers?
If like that i deposited so early also can miss the cut man...
Because that only can pay for 1st 266.7 customers and finished on 1st month itself..

Imagine there were 300 existing customers with min rm30000 before 1.11.22, apa kita dapat? Semua dapat 2.5% as versa must pay existing customers who were there on 1.11.22 12.00am

If versa budget low you may get for November, Dec Jan may be allocation used up, by the time we know is too late, clever pay u only end of month, ha ha, no fight la compared to KDI

Bro nothing to worry if you still want to use KDi
The questions may appear daunting my answer to them was simple and they accepted

more like formality.. just like when bank with hold your online transaction,
call up to verify then release the "hold".

i kena so many times esp CIMB, despite using their Apps approval done.

as long as you dont trigger them, you wont kena that letter

not like survey at all, is like wanting to know all your wealth.....

eKYC was done at beginning no one can escape

this letter is triggered when the amount of money accumulated in KDI has gone beyond what your income /wealth bracket
as declared earlier.

My 5th account belong to my son an undergraduate in UM, straight away kena soon after i started using his name.
is normal for the trigger,
student studying why so much money - Simple
money from my father done!




nothing new , see the email they sent to my son.

now you can be more confident, alert system already there since beginning.

This post has been edited by guy3288: Nov 9 2022, 10:20 PM


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dont know KDI wont tell, maybe take your money invest something high return. banks also do that
insider info.

ya i also believe so a business tactic get the crowd first later spillover to KDI invest fall in love there is where the money is.
other MMF return no fight a rival tried give 4% but not being honest enough is going to back fire.
here any day people can draw out all the money play forex with our money KDi mati lo.

By tonight la no worry

Why withdraw Saturday lose 2days interest
If i missed the cut off time Friday i won't withdraw,do that is like WD on monday in terms of speed in getting the money

risk is there, you can check. Did you get interest for Sat and Sunday?

my WD RM25.8k B Islam still not in also

Note:that is to pay credit cards due TODAY, that much of confidence i have in KDI

now:see money in now.
...

This post has been edited by guy3288: Nov 14 2022, 10:07 PM


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i just checked a normal SA in PBB
transfer is RM50k /day
FPX is RM100k/ day

try go profile maintenance, change limit there


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