if you thought i was telling you KDI Invest is good long term investment , you are wrong

i believe you must have read Post 2495
where i showed my KDI invest Yo yo up and down cyclically.

Prices yo yo up and down is nothing surprising
So there are times your invest will make money.

Must it only be due to MYR depreciation (rebutted) or luck?
it happened from time to time as i had shown above.

no conjectures no speculation
just cold hard facts in real life scenarios.

And the 3.7% return in 3.5 months why must convert to pa become 12.7%?
Because we need a standardised way to compare
apple and apple comparison-
not apple and oranges like what slapface guy tried to do.

Eg your 3 years investment gave you 10%.
would you be happy and say wow i got 10%!
No! you must convert it to annualised rate then you see oh 3.3%pa only , not great at all.

eh bro ASM1 banyak lah, go buy..

note if you dont mind buy early in the month...past 2 days any time click RM30k ada, nonstop ada..

This post has been edited by guy3288: Dec 8 2023, 10:11 PM

KDI Invest is coming to the peak again.


Attached thumbnail(s)

that was not what you said earlier...

you have been saying even if it is up, is is actually losing money,
gain does not come from improved market
but MYR depreciation. sudah lupa kah?

i find Rize is faster, in instantly earn interest, out instantly received.

yeah this time can make some money if sell.

looks like is for real, up and up..no turning back.


Attached thumbnail(s)

dont talk like you know every thing lah, bro........

steady bro.. memang none of us put all money in KDI ...

if Rize pun tak takut , this KDI what is there to worry lah

i cheked all my accounts nothing happened also..

KDI invest has been up and up,
berapa lama lagi boleh tahan stand up like that?
time to sell or not..?


Attached thumbnail(s)

yeah still going up, i sold some already take profit
still got 1 account...15% now..


Attached thumbnail(s)

l didnt save in versa Growth. Versa Cash i have but i dont like the interest calculation

no way you can know if versa underpays us.. better skip

bro are you sure?
do you try check the interest every day?

i can tell you interest is updated every day usually around 5pm
even Sunday and PH

but of course you must have significant amount lah
if interest 1 sen 1 sen may not not visible lah daily.

so long i never look at my KDI save

just now checked current values 11days apart, interest found only 3.44%

i checked 2 other dates 16days apart, interest correct pulak, 3.95% close to 4% EIR

conclusion; interest not paid daily like before, can verify this by looking at return 3 consecutive days
not so efficient like last time

just hope early morning withdrawal still can get the money same at night.

i have left KDI some time

soon may have to come back...

So is like tak tentu
You ok
Others delayed interest
Delayed still ok if finally paid and interest is 4% eir

most of the ups come from past 6 months, prior to that just yo yo at baseline...

after cut off time 11 am, wont be updated anymore
wait for next business day Monday

unlike Rize or GXbank all online instantly
deposit instantly in, withdraw instanly out.




sure, you lose 3 days interest Fri, Sat and Sunday

for me i would put in Rize or GX bank earn 3 days interest
Monday morning only withdraw and put in KDI. 3 days can get RM15+

Rize and GX bank are indispensable, money received late in evening still can earn 1 day interest
as late as 11.55 pm still can
imagine put in 5 min earn 1day interest, mana pi cari?

when did you buy your KDI invest? looking at the graph anytime you bought past few months also should not be losing money

bro why worry about interest on interest?
that small amount whether it earns 4% or 3.5% doesnt make a difference
so why must try withdraw interest portion?


I have RM50106.50 nett deposit, earned interest RM80.86 when i checked it on 21.5.24

Today 26.5.24 interest has become RM107.83, increased RM26.97 in 5 days

so it is RM5.39 per day

you monitor your KDI save over 3 days,
you can calculate what.

go calculate that RM5.39 interest per day,
it shows your interest is also earning near 4%

so no need bother to withdraw interest lah.




No, interest is earning interest also
and near 4%

old veterans will remember i had a big argument with that facepalm guy @xander83
whether interest was compounded or not
some 2 years ago when i just started with KDI
check it out here
Interest compounded or not?