WHether you in SA KDI or MyTheo irregardless markets up or down you still have to pay the fees

If you scared then by all means put your money in gold FD or MMF then

nice to see a thread on KDI!
Personally I'll be using it mainly for their MMF - KDI Save, that sweet 3%.

Then maybe test the waters on KDI Invest, keeping my AUM there below RM3K for their zero fees.

If small fees fair lah...you open shop, hire Bangala runs for you, regardless your shop makes money or not, still need to pay Bangala right?

But the fees have to be small lah, especially for small fry investors like me.

ok will give mytheo a try also for their income and inflation hedge portfolio.
problem now is can't login. walaowe..

edit: ok can login but loading pages still funky. So far their app load performance is the worst. Should start doing some maintenance

This post has been edited by Davidtcf: Mar 7 2022, 10:17 AM

Back then in 2020, I've bought Maybank, CIMB, PBB, HLFG, RHB stocks myself, and they are now all 20~40% profit,
seems like I am doing a better job than the managers.

no wrong buying Bursa stocks. I have some there too. But remember to diversify.

Also note that MYR has dropped many times in the past due to our political issues. Hence why many people prefer to invest overseas to protect the value of their MYR. Even Singaporeans like to buy ETFs like VWRA, SWRD, EIMI (even though their SGD so strong). Just go to r/singaporefi to read how they invest.

This post has been edited by Davidtcf: Mar 7 2022, 10:21 AM

THat’s why you pay more for better quality workers otherwise how can you make money

Income portfolio you better off buying DIY as it would cheaper unless you are putting small amount because the returns are dismal compared to MMF rates

At the moment inflation hedge is running hot with DBB and DBO is ATH that’s why you need to be aware because YTD is at 5% gain so you need to slowly DCA on the dips

just do a testing to withdrawal….

withdraw same sum from both KDI save and KDI invest on 2/3

Already received fund 3/3 in my bank acc next day for KDI save

But I only get refund on 7/3 for money parked under KDI invest and it is not exact amount I requested earlier …. slightly less than my I requested

got fees on fx

Is the return not 8.21 with 3% (100,000x0.03/365)? How is it 30.39? Need sifu enlighten me

Edit: unless it is not "daily return", but "total return"?

This post has been edited by Vickyle: Mar 8 2022, 02:07 PM

Another problem with KDI Invest.
Gonna withdraw my funds. Unacceptable error with their app since I can’t change the risk once money is in.

Check both your portfolio and profile, they could end up being different:







When I first registered only put aggressive growth . Then after that I changed to conservative before funds entered. Still till today it chose this. So means my funds are in aggressive growth without my consent? Hence why I’m thinking why allocated 34.61% to equity? Doesn’t make sense. Only found out today.

Does this look like conservative portfolio? Not at all:



Gonna wait they iron this out first. Tested out MYTHEO so far much better than their interface. Or can consider Stashaway also. Right now KDI invest still a mess.

Edit: already sent an email to digitalinvesting@kenanga.com.my with all the screenshots.

This post has been edited by Davidtcf: Mar 8 2022, 03:32 PM

so this step doesn't work?
doesn't seem to be aggressive growth though. check back the posts

This post has been edited by Medufsaid: Mar 8 2022, 03:30 PM

Your are right, the daily return is RM 8.21

RM 30.39 is total return since day one of placement

And for your info, RM 100,000 build up over few days, not within the same day ya

Thinking if i should switch from stashaway simple of KDI save.
What other benefits does KDI offer other than 3% vs 2.4%?
Next year onwards after promo period finishes, it will go to 2.25%?
Any fees on the savings account?

KDI Save great to use.. 3% earned on daily basis. Fast deposit and withdrawal also.
Next year nobody knows what rate they will offer.. need to be Oracle only can know
No fees.. they profit by rolling your money around liao. More money u put in in some ways they can earn. Win- win for both sides.

This post has been edited by Davidtcf: Mar 8 2022, 04:12 PM

Tried KDI Save so far so good with daily return. Then decided to try out KDI Invest with balance portfolio few days back, currently down -2.98%

normal, since now US market has big bear

KDI Save 3%pa guarantee return is for up to RM 200k deposit and till year end

SA Simple 2.4%pa is PROJECTED return

RM 100k deposit of SA Simple and KDI Save, interest difference will be RM 1.64/day

If you have more than 200k, then park 200k in KDI Save, the rest in SA Simple 2.4%

34% equities is not aggressive.

That's less than EPF.