didn't know about this. so the tier follows deposit amount instead of the total amount right?

then return there got no interest? dont sound right

Return also accounted for interest.

You sure? I calculated it doesn’t though.
Return does not account for Tier but has interest?
Then the interest is based on which Tier if cross tier?

And i observe the daily return remains the same over 1+ year, this should not be the case if return reinvested.

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

I am sure. I attached my fund value. I will update again after I received the interest.

Update:

Return is accounted for the interest received.

This post has been edited by Fantasia: Jul 14 2025, 04:20 PM

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?



Attached thumbnail(s)

the interest is certainly compounded, otherwise it would never be the promised 'EAR'
but it appears that the net deposit of RM 50,000 will continue to get 4% EAR even though the interest accrued results in total value exceeding RM 50,000
meaning, could enjoy 4% EAR with RM 50,000 deposit instead of RM 48,076.92 and there is no need to withdraw the the accrued interest
due to the lack of transparency, what is also plausible could be due to two different portfolios despite within the same growth fund

Question: Let say i put RM50k, after years, now return 5k, total is 55k now.

50k Tier 1 = 4%

I know the 5k return is not in Tier 2.

If there is compounding, what is the interest on the 5k?

Also 4%?

Yes which is roughly 54 cents. At least for my case.

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.

well, depending on whether they would revise the return or tier range
for now =5000*((1+(1.04^(1/365)-1))^n-1)
n: being number of days

would be 4% in a years time

Did you guys get the statement for June?

KOEL

Yes, for me as well, KDI statement of account for June 2025 is not yet available in KDI website.

Hello newbie here. How much do i need to bank in to get the RM10 ? Is it KDI Save RM100?

This post has been edited by ahkia: Aug 6 2025, 04:33 PM

surprisingly, July 2025 statement is available

i think it's RM 250 but i thought that campaign expired in June 2025

Yes, that is correct.


July 2025 statement is already available, while June 2025 statement is still missing. It is very weird.


After I sent an e-mail to KDI CS, KDI claimed that June 2025 statement should be available around 4 August 2025.


However, today is 7 August 2025, and we still cannot download June 2025 statement.

I wanna try KDi so I registered like 2 weeks ago. Got an email telling me should approve in 2 business day.
Tried login app say pending. I also email cust support, they say pending mgmt approval, high volume take time.
How long u guys wait for your registration?

FYI downloaded my June 2024 statement on Sept 1. You might want to recheck.


Around a couple of days. It is abnormal to wait 2 weeks but maybe there are higher number of applicants. 4% is pretty attractive.