i am glad you finally admitted the return is compounded daily. But your friend above still refused to admit so.

Still you did not explain why you said this: is my english that bad ? And why daily interest must increase Rm0.13 knowing accumulated returns only RM2299..

You know how much confusion you guys have caused by pretending not to know the fact?

Am i the only guy with KDI save ??
Just login your own account, you can see also what.

You must read the whole story before you comment


what you said above is not wrong.you are becoming another @xander83

But what you said earlier was clearly wrong. this.
How could u even suggested me to say the above which is obviously wrong! telling people daily interest can increase 13 sen

Daily interest increase by very small amount 1 or 2sen only a day.
see what u said above and see daily interest increment below.

19.3.22 Interest today RM130.70- Total Returns RM1515.39
20.3.22 Interest today RM130.70 Returns RM1646.09
21.3.22 Interest today RM130.72 Returns RM1776.81
22.3.22 Interest today RM130.72 Returns RM1907.53
23.3.22 Interest today RM130.73 Returns RM2038.26
24.3.22 Interest today RM130.73 Returns RM2168.99
25.3.22 Interest today RM130.75 Returns RM2299.74

You must not correct me if you do not understand what i said.
why @Jwkhor could get it but you couldn't despite me prompted you twice?

you cant be that slow, mathematically so unsavvy
worse is try become another @xander83, twist and turn,
pretend nothing happened.





good. be patient with forumner who are abit slow but genuinely want to learn

For those who like to comment but lazy to find out first
the saga started when some starting to worry about their money, interest being cut at withdrawal,
how interest calculated etc etc.

cant blame them as KDi was at fault not being clear and "cutting" returns trf to Nett Deposit when we withdraw.
i raised the issue on 14.3.22 , but quickly found the answer, kudos to @shawnme
Then as usual trying to explain by giving false info, shit stirrer came
FACT- it is first in last out, NOT FIFO!!

next came magika raising question on compound interest
they caused so much confusion...
the rest is history... the 2 of them just going round and round everytime i tried to explain
with data and calculation till you guys all got fed up!.

This post has been edited by guy3288: Mar 27 2022, 07:51 PM

a short answer YES is harmless, shit happened only when some just refused to accept truth,
twist and turn to rebut.

yeah the amount is too small to be visible.

right also, answer is already there
isnt the answer already there?

above 200k why should KDI pay 3% again? How if some put RM10 million and earn so much interest
and that interest is asking KDI for 3% beyond the RM200k?

then it defeats the purpose of this forumn.
We must differentiate genuine slow forumner from shit stirrer.

This post has been edited by guy3288: Mar 29 2022, 09:32 AM

You didn't get my point, read again.
Imagine i deposit rm200million, my accumulated returns now
Rm229000, would KDI pay 3% for this?

You argue this is not deposit, it is interest ,i doubt kdi can pay 3% for any amount above 200k, whether deposit or interest
Almost all from nett deposit

Obviously, OFFICIAL word is not there for nothing.

But i agree follow blindly go suffer quietly, cant blame anyone.

Answer is already there. If i explain further others would get impatient with you and jittery again

Share with you guys another set of data
from the same account

Preparing for WD to multiple bank accounts soon,
I got another set of data to confirm "how it works"

Earlier i said
Daily interest= ( X+Y+Z) x 3%/365

X= Nett deposit yesterday
Y=New deposit today b4 11am
Z=Returns accumulated yesterday


Now add WD to the formula

Int today =(X+Y+Z-WD)3%/365

1st 200k 3%, you adjust accordingly
Accumulated returns yesterday RM2692.04

My interest today should be
= (200k x3%)/365 +{(1852k +33.8k + RM2692.04 - RM400)x2.25%}/365
=RM16.438 + RM116.389
=RM132.83

Expected returns today = RM2692.04 + 132.83 = RM2824.87
KDI returns--> RM2824.42??.

Earlier people thought RM0.45 cut was penalty/claw back for making withdrawals.

No , It is just being transferred to Nett Deposit.







Attached thumbnail(s)

Think first before you ask, some here are impatient and dont like repeats.

Of course it is due to the withdrawal, if not there won't be transfer rm0.45 from returns to nett deposit.

Rm0.45 is part of the interest today.didnt i show the calculation above? Not kenanga's money

If kenaga simply fork out extra everytime people withdraw bankrupt lo..

i dont know, is it important to know the real reason??

not important as long as we don't lose out, capital same, interest earning same also.
kenanga system silly doing that can cause some to think kenanga cheat cut their interest..

another thing silly is kenanga profile only allow 1 bank account
causing me trouble now how to WD to multiple banks in 1 day.

i updated the bank account, received email instantly said bank acc updated- so i WD RM100 to bank A

i updated it again put bank B acc, again email came said acc updated - so i made another WD to bank B
this is misleading, actually it is not updated
because end of the day i received all RM100 x4 in bank D, the last update!


However the system is clever when i tested key in 1 wrong number, it knows and wont accept that bank acc.
But no use, what i need is instant updating and WD money paid to that account when WD order sent like in Phillip eUT.
I could WD to multiple different bank accounts within minutes in eUT.


Anybody can suggest how to do WD to multiple different bank accounts in 1 day?

This post has been edited by guy3288: Mar 29 2022, 09:52 PM

thanks for trying to help, perhaps i must make myself clearer to get better suggestion..

I want to withdraw RM 1.8M out fr my KDI Save to 4 diff bank accs all in 1 day.
RM800k B islam, 400k PBB, 300k MBB , 300k HLB all on 4.4.22
i tested with RM100 yesterday , tak jadi!

deposit masuk use 6 bank accounts also all accepted.
Withdraw out to 4 banks, why KDI can't make it easier?.



maybe, but it says WD no limit, luckily...........

Disappointed you lack financial savviness. at least ask lah why, then you can learn.

Worse you acted like you have enough knowledge in SA, Versa, FSM. i have all that ok?

You are wrong and this is reason others get impatient as i need to correct wrong info.
See Versa 1 eg i have off hand.


Attached thumbnail(s)

You tolerate people simply talk like they actually know but wrong rather then i correct them and put back in position?

Cant say this is toxic unless you only want low quality rambling without useful information for users

More than just that, main reason is i need speed in moving money, one account cant move them all as there is limit

See the tone you set, like reprimanded me , if you are right i accept, but not when you came in high handedly with wrong information. I am a reasonable person. Dint you think you need to be corrected when you are wrong?

This is not emotional, it is allergy to misinformation or worse those act pandai but kosong upstairs

This is an example of quality reply. Understand the question ,know why the question was asked and suggested logical solution, thanks

i have not made any WD yet. My intention remain same
WD last day pump all to sspn by 5.4.22
Scenario changes we change accordingly lah.

I plan to use only Bank Islam now, reason FPX 500k a day, IBFT 80k
Fri 1.4.22 RM729k
Mon 4.4.22 RM580k
Tue 5.4.22 RM580k

unless there is better suggestion later on..i am open to change.

leave only 200k for 3% till month end move again.


i like your "even after no facepalm for a month still the same = permanent brain damage"

Tested already can work, no need ask Kenanga. Dont assume CS always know, so many dumb workers around.

I am sure you have read in cc threads many times can see info from forumners more accurate than bank CS...
logical thing must accept with open heart.

YES, that is the best, But how to put all in to SPPNi ?
I only want to sit at home click click trf and FPX only.


This post has been edited by guy3288: Mar 30 2022, 01:49 PM

After checking statements and watching the figures displayed on making withdrawals....i think there is now indication showing KDI may still pay 3% interest beyond the first RM200k.....only for a certain portions of your interest.

Share with you guys 3 set of info,, those maths savvy can help decipher, it looks like above RM200k still can earn 3%....


Attached thumbnail(s)

website or apps?
i suspect is apps, you must not use saved email or PW, need to type out all.

Apps or Website?
Website can accept saved email and PW

above RM200k, it pays a little more than expected, not more than 3%,
but 3% for interest earned from 1st 200k and not 2.25%

This post has been edited by guy3288: Apr 20 2022, 11:51 PM

Yes it is possible, eg i entered RM1000 on 25.2.22 and yes it dropped 4.36% by 15.3.22(RM956.39). the RM10 cant cover also..


i have 5 accounts with different entry points.

19.2.22 - worst loss 2.75%(8.3.22) best gain 3.52%(30.3.22)
22.2.22 - worst loss 3.24%(10.3.22) best gain 3.49%(30.3.22)
25.2.22 - worst loss 4.36%(15.3.22) best gain 2.3%(30.3.22)
28.2.22 - worst loss 3.5%(15.3.22) best gain 3.26%(30.3.22)
2.3.22 - worst loss 3.2%(12.3.22) best gain 3.18%(5.4.22)
by today all of them have recovered and gain about 1%.

Aggresive seemed worse 1.3.22 RM9358 and now RM9037 = lost 3.43%???

Need similar portfolio entered 1.3.2022 to see if KDI invest real losing 3.43%
PS mine all growth.

This post has been edited by guy3288: Apr 24 2022, 02:33 AM

can say most go in for the 3% daily interest
i reckon almost all would also allocate some in KDI invest for the referral RM10,
clever tricks from KDI, yet still not paying the RM10..
question is how long people stay in KDI invest, how good is the portfolio?
up down up down back down again...

at the end people will withdraw if like that.

i thought it would have been much more,
just wonder why those people with lots of money rather go FD and not here.
If they all moved in surely wont be just 100M