never say never, it has happened and will happen again like today

which bank is receiving in your case?


yes i made 2 withdrawals around 10.30am to CIMB, until now still not credited


usually cimb received money quite fast around 9 sometimes even 8.30pm
so likely is KDI issue

i expect the money tomorrow...

KDi cant be used as emergency money
I use Rize and Boost wallet, 3.3% int.
instant transfer
so far so good.

i WD to 3 banks today
PBB received 8.30pm
BI usually 10pm.
CIMB maybe soon.

in a hurry to pump money into Versa promo 6-8%

i withdrew RM25k forgotten today PH
but PH KDI no processing withdrawal right?

i guess KDI will process it tomorrow on 13.5.25

Can KDI exclude my RM25000 from the 4% interest for today 12.5.25?

Any quick witted guesses?




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meaning today KDI cant process wthdrawal
but that money considered taken out, so no interest for today!

i think so...
KDI sure if can cut interest will cut
so customer must be careful dont make mistake

no need follow bank
just follow ethics cukup

customer mistakenly order withdraw today
but today your office closed
your office only open tomorrow
that money wil still be in your account

so not wrong to continue pay your customer interst
for today 12.5.25 right?

but who cares ethic right KDI?

i just checked the returns on the 4 accounts i made
withdrawals today

learn a new thing today
no worry you can withdraw on nonbusiness day, you dont lose
the interest for the day

not sure what you mean

people said if you withdraw 25k, KDI wont pay interest for that 25k for that day.

but it has ben proven wrong,
KDI still pay interest for it on that day
as long as the 25k is still in account not transferred out yet.

first time i see this
same Growth, started same time
1 go up 1 go down

previously always move in same direction

KDI dont apply similar strategy ?



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No
look there same

can explain what did you mean something happened at the back end?

i am suspecting some mistake or errors?

the 2 portfolios both same risk category
'Growth'

see the stocks in them
very similar also

stock FLOT and IEF noted behaved differently
in the 2 portfolios

Can any one explain why the big discrepancy there?

in 1 account it dropped 5-10%
in another it dropped 50%
during same time period?

edited, i just noted
ok allocation was reduced
so value reduced

but iam still puzzled
why 1 portfolio dropped so much
another up instead??


This post has been edited by guy3288: Jun 26 2025, 04:25 PM


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Bro what is the amount of the interest? If it is small, the difference may not be visible

If amount big, you should see interest increasing slowly,
Wait I dig out my old post , look for it in here when I had few hundreds k inside, I remember posted on the issue of KDI paying tier 1 rate for amount beyond the capping limit

ok check it out here

KDI above limit Interest rate

previously was 3% upto RM200k
above 200k get 2.5% only

This post has been edited by guy3288: Jul 14 2025, 09:23 AM

today i login check KDI invest to see the unusual 10% sudden drop
i posted last month

suddenly up 10% back to normal now

any idea what is happening?

21.6.25 to 23.6.25 suddenly down 10%!

7.7.25 to 8.7.25 in just 1 day! suddenly up 10%

i had suspected something is wrong as
my other account same risk 'Growth' remained steady
no sudden down
no sudden up

this is not real market movement right?
KDI people made mistake?
then corrected it back??

you guys with Growth Portfolio can share your chart?
ada mistake like mine above?



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yes, slightly above the 50k is given same 4%
is just like last time

but i guess if you deposit another 5k or 10k sure you are going
see 2nd tier interest 3.5% kick in.

if money is needed urgently same day, i use Boost /3.3-3.5% interest
or Atlas 3.88% ....can withdraw anytime of the day


if not urgent need late 1 day still ok
big amount dont want lose interest, i use KDI 4.0%
but avoid withdraw on Friday,
at most late 1 day only

Same day still my last 2 withdrawals last week..

1 day late is rare

still got time, can still push in to Rize b4 12am

you kena always Fri?

next week i need some withdrawals, wont do Friday lah like that

KDi money received in all 3 accounts, cimb x2, PBB x1 early only 7.43pm
money already in.

withdrawal done 1.00am