how many time I need to repeat this?
no management fees for StashAway flexible portfolio until next year as part of their promotion. Only for Fresh funds.

If one don’t have fresh funds available, that’s too bad and it is the investor side issue. Some of the bank FD required fresh fund as well to enjoy special rate.

and please don’t say SA impose management fees for flexible portfolio. Shaking head

This post has been edited by bcombat: Jul 5 2022, 11:20 PM

Yeah, StashAway's website mentioned that there will be no management fees until the end of June 2023, and after that it seems like their usual management fees of 0.2-0.8% will resume.

If the list of ETFs are too complicated, maybe you can just go to StshAway's website and check the fact sheets that they linked for each ETFs?

Tho it's good to remember that the whole market is down and manage your expectations la, like how long you are willing to invest and how much you're comfortable with losing in the short term

Withdrawal to Save no charges? Disposal losses due to forex? How they dispose when we withdraw? I assume they can't and won't process withdrawal of RM10?

the poster is hoping you stop mentioning it, so he can repeat his statements...

so you gotta repeat it ad infinitum also to counteract 😂😂

want to know how to reduce the holdings in KDI Invest? withdraw it then the system will reallocate the amount invest in each etfs?
p/s not yet try in Invest, now only put in Save account.

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

ok, back to KDi Save discussion, with ytd's OPR rate increase.....most likely many ppl will be taking out from KDI save as 3% is not attractive at all now.... banks r offering 3.2%.... higher rates coming soon.... so if ur KDI save mgt team reading this.... pls hike up ur % rates....to be competitive....

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.

hello lockdown vs no lockdown.....

fd nowadays can get 3%??

Check the latest postings in fd thread?
https://forum.lowyat.net/topic/4154481/+21560#entry104814861

This post has been edited by MUM: Jul 7 2022, 01:42 PM

can refer to the pinned FD thread

Most bank now offer FD 3% rate for 12 months so still have to keep your money in the bank for 12 moths, then KDI is still attractive as interest can be earned every day.

Meanwhile, can consider to withdraw all from Versa .

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

KDI Save is for those who are well verse and confident to go online and paperless.

One man's meat is another man's poison, no point hard sell to hardcore FD, just stick with what we are comfortable.

FYI, FD is the last thing I want to have

While waiting for responses,... Maybe you can try read these faqs, for some added info while you wait
https://digitalinvesting.com.my/faq/.

Your portfolio already break rm3k? Mine still in -ve position.
Now I put around 50% in KDI save, 50% in KDI invest, slowly DCA and let see how it progress.

For the KDI invest, almost all is re-invest in fixed income. Is it only my portfolio like this? Or all aggressive portfolio will be same?

How long the return will update? Is it same as Save account update daily after 4.30pm?

This I not sure when they will update. I think before 4:30pm already update. Everyday login figure will update slightly. Today drop again. Really same like you see the grass growth….

Kenanga digital is very Conservative. Though I choose aggressive profile, from my June statement 33% SHV, 26% IEF, 10% FLOT.
This explains why stashaway portfolio and fundsupermart manage portfolio -be, but KDI invest still positive.

Market is down. Hope kenanga manager can buy back equity based before market up.