well unfortunately, i have no answer for that as i do not work at kdi or relevant company
e.g.
my bank standing instruction payments do not debit the same time each month
duitnow payment to credit card account failed due to recipient bank's issue
the point is that it could due to many reasons
as long as it does not exceed 2 business days, it is well within their responsibility

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


Attached thumbnail(s)

I'm just speculating. Obviously total asset shouldn't be over 100% and the sharp drop is out of correlation with recent market movement.

This post has been edited by RetroMayday: Jun 28 2025, 03:20 AM

I have a question about KDI Save. I thought the first 50k will will be tier 1 which is 4% however, all of my fund are considered tier 1 now even though it had surpassed 50k.



I am not sure if this is just a UI glitch but my monthly statement is still regard all my fund as tier 1

Interesting, I had never looked into my statement until I saw yours. I see similar discrepancy where I have an excess of 1.8k in tier 1, and the rest in tier 2.

I don't know if the interest is accurately reflected based on these excess... Did you happen to verify that you're still getting 3.91~3.92%* interest rate, accrued daily? (*I forgot exact number)

Daily interest is 3.922% PA. When I tried to deposit fund, apparent the app said 3756 of the new deposit will fall under EAR 4%. Let see how much interest I am getting tomorrow

I think the first 50k interest is credited as tier 1. I compared my statement to with the previous month, the number correctly adds up. That means, ideally you want to keep your tier 1 amount untouched as it'll nicely snowball at the highest rate... Now question is, we withdraw the number shown in our tier 2, does it correctly take out from the tier 2 pool, or from our tier 1 (until flat 50k)?

I'd think this is a happy mistake on their end and so it'll also likely be the first outcome (tier 2), which sounds logically less technical effort, but I can't be bothered enough to try

I just calculated my return, apparently all of my fund are considered tier 1. I think I will deposit another 3756 so to maximise it

meaning the tier we getting is based on total net deposit and not total current value? am i right?

It looks like it...for now

if there is a glitch, do we know how much is the max for Tier 1 before the excessive considered as Tier 2. would like to consider to max Tier 1 first.

https://digitalinvesting.com.my/kdi-save-terms-conditions/

i read that term and condition and i have higher amount than RM50k as Tier 1. In fact Rm57,XXX still in Tier 1.

reverse calculate from EAR https://digitalinvesting.com.my/faq/#tab-95aad908ae0ae887a93

how much is your net deposit though?

The RM7K+ is most likely your return?

This post has been edited by talexeh: Jul 11 2025, 10:50 AM

I am having difficulty transferring more than 100k into KDI Save, Maybank kept saying limitation reach. Which kind of limitation I needed to change in maybank2u to allow such transfer?

as i know fpx max limit per day is RM 50,000 per day. kdi save using fpx. you can split to 2 days or transfer using other bank, each 50k

Ah no wonder. I have been stuck in there. Thank you mate

KDI does not reinvest your return, if you kake withdrawal, it will withdraw from your deposit not your return… you need to withdraw full amount and park again if want to reinvest the return …

Abit silly … unless there is a setting?