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Investment Kenanga Digital Investing (KDI), KDI Invest, KDI Save

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guy3288
post Jun 15 2023, 12:13 AM

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QUOTE(littleprawnReborn @ Jun 14 2023, 11:51 AM)
finally after a long wait KDI raised to 4% dy... good news for today...

KDI Invest starting to show better result these few days...
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QUOTE(xander2k8 @ Jun 14 2023, 02:48 PM)

If KDI Invest is positive for the year πŸ€¦β€β™€οΈ then they got a big problem with their so called intelligent AI
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Apa lu cakap?

KDI Invest must be NEGATIVE , people must lose money then only no problem to you?

please lah say what you mean
and mean what you say.
guy3288
post Aug 8 2023, 11:40 PM

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Want to ask anybody knows why device Huawei Y9 Prime 2019 Model STK-L22, android 10 now cant open KDI apps? previously was ok. is like hang.

my other accounts all can open, even with lower android other phones all also can

any suggestions? had done uninstall, clear data clear cache still same problem.

tomorrow plan to deposit big amount if cant login, short of 1 account plan rosak.



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guy3288
post Aug 9 2023, 05:32 PM

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QUOTE(CPURanger @ Aug 9 2023, 07:37 AM)
You can try access KDI via web, on phone or PC. Do your deposit there.

https://digitalinvesting.com.my/
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QUOTE(Sonnet Porky @ Aug 9 2023, 04:34 PM)
Does this model support Google Play? I think many Huawei phones don't have Google Play services that many apps rely on, some models cannot even use Android Auto with cars.
*
thanks for trying to help

i found out just switch off and switch on back the phone, then problem solved.

i would thought uninstall and reinstall should work but it just didnt work
dont know why...

i suspect this is due to device specific issue, KDI apps was logged in previously, left unattended over time
it would hang to avoid unauthorised entry.. it would remained in that state despite u uninstall and reinstall KDI apps
and to solve this "hang" problem, just reboot your phone kawtim.




guy3288
post Sep 15 2023, 11:17 PM

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My KDi invest accidentally pumped RM30k in 9.8.23 (supposed deposit KDI Save) then went down (-RM502.26) 20.8.23
Today noted making some money (+RM1072.75)
thinking to sell off coming Monday....
any one taking profit from KDI Invest so far...

This post has been edited by guy3288: Sep 15 2023, 11:18 PM


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guy3288
post Nov 14 2023, 10:01 PM

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QUOTE(kart @ Nov 14 2023, 09:21 PM)
1) Although Versa Cash offers higher interest rate of 4.3%, the issue is that Versa does not have a web portal that can be used by Versa customers.

As such, I prefer to use KDI Save.
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me too i also prefer KDI, clear cut interest payment.

QUOTE(kart @ Nov 14 2023, 09:21 PM)
2)
Is anyone here quite satisfied that our money kept in KDI Save is generally safe?
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safe lah bro, see how much i have used kdi.. but now moving to Rize...


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guy3288
post Nov 16 2023, 03:02 AM

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i have been watching my KDI Invest yoyo up and down.
2-3 months 3%, should i sell or just wait?


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guy3288
post Nov 16 2023, 07:36 PM

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QUOTE(ericlaiys @ Nov 16 2023, 02:24 PM)
kdi save 4%....just move over
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yeah i agree.. but the high is almost like fake..
so fast come down already..
down 1.6% a day... yoyo too much.

if i were to sell today (due to time lapse,) may even be losing money... shakehead.gif


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guy3288
post Nov 16 2023, 11:19 PM

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QUOTE(victorian @ Nov 16 2023, 07:52 PM)
Did you just compare 3 months return of KDI Invest with 1 year return for KDI Save?
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3% earning in 3 months is 12% pa, i thought gd enough la, take profit this time
since i have missed 2 up cycles before
ended back to losing money past 2 months.

but damn so fast by next day half the profit is gone

so this KDI Invest is only for play play la,
to really make money susah ,
KDI people if you in here, pls improve lah.

sit there do nothing wont work lah.
you can only see the profits coming and gone
you are back to square one or even underwater!

best was +7.5% pa (Aug 22)
then yo yo back to original cost
then went down losing money (-4.75% in May 2023)
end of Sep to end of October 2023 mostly losing money
from Nov starts to pick up. cyclical.

effectively the swing as high as 7.5 +4.75 =12+%


QUOTE(Cubalagi @ Nov 16 2023, 09:36 PM)
U put your risk profile as "Growth" and yet u cant take a 1.6% swing?
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lol bro...i cant take a swing of mere 1.6%?

it was only meant to say heck next day half the profit is already gone,
how to take profit lah...

This post has been edited by guy3288: Nov 16 2023, 11:31 PM
guy3288
post Nov 16 2023, 11:49 PM

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QUOTE(Cubalagi @ Nov 16 2023, 11:34 PM)
If u want to take profit like that, then u should DIY your own and be a trader, Dont use a fund (or a robo one). These funds are not short term trading.
*
no need trader,
take profit here can also
if dont mind profit not much.

i know investment sifus all swear the adage UT is "long term"
but i have also seen people getting peanuts only (below 4%)
then when i was active in the older versions FSM UT yrs ago.
the time of Xuzen, pink panther, Ramjade was just starting then.

this KDI Invest if the pattern yo yo like that reamin same
wait for another 5 years also same lah.
u only see profits come and gone cyclically.

This post has been edited by guy3288: Nov 16 2023, 11:50 PM
guy3288
post Nov 17 2023, 08:27 PM

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QUOTE(ronnie @ Nov 17 2023, 08:46 AM)
Maybe the AI not working... hahaha
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i think so.
a yoyo portfolio
moving up and down around base line for almost 2 years so far!
the only way to make money is sell high buy low.


QUOTE(Medufsaid @ Nov 17 2023, 09:52 AM)
at least KDI is more transparent with what they deduct. UT is a black box, u only see the NAV unless u dig into annual reports
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not so sure about this, looks to me same also.
we just accept what is the value of our portfolio as stated there
guy3288
post Nov 17 2023, 08:57 PM

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QUOTE(xander2k8 @ Nov 17 2023, 05:43 PM)
1.6% is small swing in terms of growth portfolio πŸ€¦β€β™€οΈ
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dont come and tell the obvious,
i just showed above it was at least 12+% swing

QUOTE(xander2k8 @ Nov 17 2023, 05:43 PM)
If you wanna profit more πŸ€¦β€β™€οΈ then trade as kdi invest for investing for long term πŸ€¦β€β™€οΈ not based on daily prices
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Bro do you even understand the meaning trade? <TRADE>.

Trading means FREQUENT buy sell, for SHORTERM gains

My KDI Invest is almost 2 years, i have not sold even once

I dont sell for short term gains, if i am trading type i would have sold it August 2022
where i could make 7.5% profit in just 6 months!

Why i wanna sell now? i have seen enough of its YOYO past 21 months!

looks like the only way to make money in KDI Invest is take profit.
you wait some more the profit will be gone again.

See the KDI yoyo portfolio past 21 months,

Let me open your eyes with a gd portfolio where "long term investment" will
work. You can sleep on it.

And long term investment is any time more than 1 year bro! <INVEST>.

How long more must wait for this KDI Invest to change its color?
sampai tua lah you tunggu, macam itu punya pattern!!

dont be a robot
Stupidly parroting what others say
KDI Invest is for "long term investment"
with no knowledge of your own.

in case you wanna retort back ,"like that you sell lah quit KDI Invest"
I wanna tell you i still can make money out of this Yo Yo portfolio.


QUOTE(xander2k8 @ Nov 17 2023, 05:43 PM)
Not that the AI is working πŸ€¦β€β™€οΈ but you need to know on how they derive their asset allocation which is why stay away if you don’t understand on how they construct portfolio allocation otherwise it will be the next Stashaway πŸ€¦β€β™€οΈ
*
Bottom line is make money
You dont make us money you are lousy
period.

This post has been edited by guy3288: Nov 18 2023, 05:52 PM


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guy3288
post Nov 17 2023, 11:05 PM

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QUOTE(guy3288 @ Nov 17 2023, 08:27 PM)
a yoyo portfolio
moving up and down around base line  for almost 2 years so far!

*
open your own KDI Invest see lah,, any different from below?





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guy3288
post Nov 25 2023, 07:56 PM

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QUOTE(hedfi @ Nov 25 2023, 06:50 PM)
Successfully withdrew KDI Invest on 20/11, money still not in bank todate, does it take that long?
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lucky you, done on 21/11 is better,
i am a bit greedy wait and see first



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guy3288
post Nov 26 2023, 10:08 PM

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QUOTE(hedfi @ Nov 26 2023, 02:12 AM)
πŸ˜„ waited for a year liao, up and down and down, give up la. Was 20/11 a holiday?
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20/11 what holiday?

what time did you sell KDI invest? must sell early morning only can get it done same day.
guy3288
post Dec 3 2023, 01:45 AM

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QUOTE(gashout @ Dec 1 2023, 03:21 PM)
Hi everyone.

I know the kdi savings gives 4% for the 1st 50k. But beyond that.

Wanna ask how's the performance for aggressive portfolio?

Thanks
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Aggressive or growth also same. if both bought at same time.
just buy and keep, you see profit comes and goes.
end of 20 months you get return <1% pa

However there are upcycles that you can take profit
13.8.2022, 16.6.23, 15.9.23 and now again

conclusion not for long term buy and sleep.
is for buy sell take profit.. and buy again...





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guy3288
post Dec 3 2023, 01:56 AM

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QUOTE(xander2k8 @ Dec 1 2023, 05:39 PM)
Stayaway πŸ€¦β€β™€οΈ money losing and underperforming portfolio
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Bro you ada KDI Invest or not??
dont just parrot what others say.


I pumped in 30k 16.8.23, only3months+ now
another RM30k on 29.9.23 only 2months+ now

they have earned me RM2213,
what is the return? More than 12.7% pa!

itu losing money kah?


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guy3288
post Dec 3 2023, 10:36 AM

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QUOTE(xander2k8 @ Dec 3 2023, 06:18 AM)
Wrong calculation πŸ€¦β€β™€οΈ because you are not investing for a year when the returns are only 3% in monetary value πŸ€¦β€β™€οΈ markets have gone up more than what you profit in that 3% πŸ€¦β€β™€οΈ

If you bought Apple early of the year at 130 you will be making more than as it is now above 190 range πŸ€¦β€β™€οΈ as it is already almost 50% πŸ€¦β€β™€οΈ as you cannot calculate in terms of pa πŸ€¦β€β™€οΈ as every year market is different

So whose the parrot when you can’t even calculate properly in terms of absolute returns πŸ€¦β€β™€οΈ

Remember your small 3% gains are not from the ETF holdings because it is loss making in USD terms πŸ€¦β€β™€οΈ when the small gains are from the depreciation of the RM πŸ€¦β€β™€οΈ
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bro dont just talk incoherrently ok?
think before you talk lah.

i talk from the ground in reality
you mumbled in your dream on fantasy
who can follow i wonder...

i showed you actual profit RM2113 in 3.5 months from 60k capital
what rubbish not investing for 1 year?

no 1 year you dont know how to calculate kah?

Talk only clever, wrong calculation? come prove it
Please show us your correct calculation.

i said capital injected in Aug and Sept 2023 made that profit.
why you bring in apple bought in Jan 2023 as comparison?

that showed how much you know your maths
better go compare your apple and oranges in private


QUOTE(kart @ Dec 3 2023, 09:05 AM)
Let's assume that my balance in KDI Save on 1 December 2023 is RM 300.
On 3 December 2023, I withdraw RM 100 from KDI Save. Since 3 December 2023 is Sunday, the withdrawal will be processed and the money will be credited into my savings account on 4 December 2023 (Monday), which is the next working day.
On 3 December 2023, is that RM 100 still entitled for the daily interest of 4% pa, since the money has not yet been withdrawn from KDI Save on that day?
Thank you. smile.gif
*
bro if you worry losing interest why wanna sell on 3.12.23?

Sell on 3rd still get your money on 4th night,
might as well you sell on 4th, but must sell before 10Am lah





guy3288
post Dec 3 2023, 12:57 PM

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QUOTE(!@#$%^ @ Dec 3 2023, 11:21 AM)
ya la, dun play play this kdi. my 1 day profit 1% that day, 365% pa.
*
like that with RM1700 can make yourself a millionaire in 2 years .
but that is your theory fantasy, come do it in reality then we talk.

This post has been edited by guy3288: Dec 3 2023, 01:33 PM
guy3288
post Dec 3 2023, 02:31 PM

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QUOTE(xander2k8 @ Dec 3 2023, 06:18 AM)

Remember your small 3% gains are not from the ETF holdings because it is loss making in USD terms πŸ€¦β€β™€οΈ when the small gains are from the depreciation of the RM πŸ€¦β€β™€οΈ
*
Bro remember in public forum dont simply post
thinking others are all stupid.

people can check you telling lies or truth

And i just found out you were telling lies.

3% profit in KDI invest is from USD MYR gain?
That is a lie!

here is the proof

on 18.8.23 1 USD = 4.63 MYR
on 29.9.23 1 USD = 4.69 MYR
on 1.12.23 1 USD = 4.67 MYR

the difference is 0.8% only.

how you can use that as excuse for a 3.7% profit?

my entry on 29.9.23 should reduce my profit actually
not adding to it as you had tried to lie.


QUOTE(xander2k8 @ Dec 3 2023, 02:10 PM)
Wrong πŸ€¦β€β™€οΈ because in reality markets are not straight line up because what you are calculating not grounded and not in reality and assuming that every quarter is consistent in return like FD πŸ€¦β€β™€οΈ

Plus if you go back calculate your ETF holdings in USD πŸ€¦β€β™€οΈ you are still in lose πŸ€¦β€β™€οΈ your only so called gains are because RM depreciationπŸ€¦β€β™€οΈ
*
rubbish. see above proof.




guy3288
post Dec 3 2023, 02:40 PM

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QUOTE(!@#$%^ @ Dec 3 2023, 02:13 PM)
hope u got my sarcasm. haha
*
you go ahead and talk in fantasy.

i can realise that profit 3.7% and pocket in real money RM2213.

365%pa profit?, show me your KDI Invest bro,
lets see how much profit you can show us.



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