so the bonus interest will be counted on the balance in KDI save or KDI invest or both?

Can forget about the campaign. Too little for too much risk involved.

Very confusing campaign.

Let's say I have RM100k in Save, then I now put 50k fresh funds into Invest.

I assume the bonus interest only applies to Save. So what's my bonus interest in this scenario?

You get 6.5% on 50k KDI Save

It is the similar to Versa quest top up scheme 🤦‍♀️ just that higher top up only to cover or offset from Invest to Save bonus

Like you said too little bonus for too much risk involved particularly their AI Invest as no one knows how the AI model reacts

Just like what happen to Stashaway KWEB debacle whereby the ex CIO got too emotionally worked up and selling KWEB at its bottom

This is what I understand.

Put it simply:
How much you put into KDI Invest (say 10K). Then for that how much (say 10K) you get 6.5% in KDI Save. Remaining in KDI Save stays at its existing rates

I think they pushing hard for KDI Invest.

This post has been edited by ornehx: Jan 19 2026, 09:03 AM

i see thanks. with multiple countries moving troops around now, I'd better stick to guaranteed returns for now.

Interesting. I put a small amount in KDI invest and have been gaining positively. Probably will pump in more, but as per the previous message mentioned, looks like the risk is too much for a low bonus of additional 2.5%.

Flip side if you had always wanted to invest in KDI Invest now is a good time, as you basically get a 2.5% safety net / buffer.

take note. keyword is 6.25% only on the lower of the two amount between KDI save / KDI invest.

If you have 50k in KDI Save, you put 3k in KDI invest to satisfy the requirements. After 120 days, you only get the bonus interest to make it 6.25% pa on the 3k amount (and subject to adjustment of initial deposit, final amount performance could be lower/higher after 120 days)


This post has been edited by Optizorb: Jan 19 2026, 10:59 PM

Remember it is only top up and they have a range of amount for the top up and it is not straight forward calculation

so it means i need to risk another 3k in investment to get 3k in save to earn 6.25%p.a. duhh

Not risk 3k because it is 2.5%pa top up over the amount added into kdi invest as it can be lower after 120 days

So don’t think your 3k can be 3k because market can go lower in 4 months time

And remember the Ai Invest can change anytime to benefit KDI so to make it to pay lower to you

Why bother on 2.5%pa when you can invest proper on the volatility and gain more than that 🤦‍♀️

This post has been edited by xander2k8: Jan 20 2026, 01:14 PM

Moved my money from moneybull to here temporarily

Any better alternative than KDI? I have 600k cash to place

for KDI Save, is it possible to only withdraw your returns or you will need to withdraw the entire account then deposit the fresh fund again?

This post has been edited by Confession: Mar 9 2026, 08:38 AM

yes possible. but min withdrawal is RM10

thank you. so the usual return is based on the total net deposit and not (total return + total net deposit), i assume?

yes daily returns is based on your balance amount

you can check yourself manually.. balance * 3.9225% /365 = daily return

This post has been edited by Optizorb: Mar 9 2026, 09:56 PM

KDI have two app in playstore.
KDI and KDI Go

which app is official one

both are official. If you just want the kdi save and kdi invest, use KDI app

if you have trading account with kenanga, then you need KDI Go to access your cds account