The name conservative mean not taking excessive risk, change your portfolio to aggressive growth if you want all out

Aggressive will have hybrid option for AI to decide when to all out when to be conservative, if you maintain at conservative, no chance can be all out no matter what circumstances

afraid kenaga buy back too late (to time the market you have to be right twice, once on exit, 2nd on reentry), then end up underperforming HODL

yeah that is why I switched to aggressive after that. Saw some paper losses.
you just came in thats why.. hard to compare with those investing for few months liao.

Aggressive the way to go for KDI Invest.
Bond prices will improve only after Fed stop raising interest rates. Now not a good time to go into them.
Each time Fed raise, not long you'll see your bond etf prices will drop. On the other hand yield/dividend will increase, but that takes a long time to accumulate. Plus for KDI Invest they buy US domiciled ETFs, which US imposes 30% tax on all dividends paid.

Bear market good to enter. When market go up their prices will go up very fast.

When valuations are high eg. End of last year when Fed announce will start tightening, then best avoid entering. Sell and hold in KDI save better that time.

Got people share aggressive portfolio adi earlier this month. They comment how come don’t look like aggressive. Got mix of bonds also. Mine also same. But I rather got make some than suffer paper losses at balanced or conservative.

hi bro, any quick method to check on the fees ?

i put my account on auto mode. auto DCA every weeks.
don't know how to check the fees. thou   

even if RM3k free, KDI has custodian fees (for StashAway, when they say no fees, confirm no fees. i had 3 months free BFM promocode, then 3 months free under DRJASON promocode. i think i understand why, the StashAway promo is due to them subsidising the cost with the startup funds?)

the AI may monitor 24/7, but the decision the AI make you might or might not like it. markets has been going up in the past 1 month, as of Aug 1, seems like the aggressive portfolios are still on Bonds only. too slow to react or waiting for bigger crash to come before going in?

can only claim tax for Bond ETFs, stocks ETFs deducted as normal

seem like now is another good time to start enter Invest?
not sure if now transfer from Save to Invest still sempat to catch the great timing or not 
awaiting sifu to enlighten me

Anyone else tried doing the calculation?
I just checked mine, is way below 50k but still getting 3%. Or is it only for new deposits?

versa is under pnb ?

Securities firm trust account only gives minimal interest which is nowhere near what kdi Save gives. I used to have most of my ringgit in Maybank and Punlic Bank bank shares - recently moved from stocks into fixed interest when interest rates start moving up. Until world markets stop bouncing up and down, better to stay with fixed interest for the time being.

Rate is always proportionate to risk. That is why the rate of return is important. How can investment houses offer higher rates of return? Naturally they have to take higher risks to get the higher returns. This is why investors of fdi Save want to know what fdi Save has invested in. Would you touch fdi Save if you knew they had a rm500mil exposure to Serbadk 2025 bonds  (https://www.bondsupermart.com/bsm/bond-factsheet/XS2089155761)?

When you want PIDM, you should expect your return to be a lot lower than another investment house that doesn't provide one.

People don't mind a lower rate if they have the PIDM guarantee. This is why a lot of investors would have investments with PIDM guarantee only. Fdi save without PIDM should in theory offer a much higher rate than banks (with PIDM guarantee).

On monthly through its month end statement

Their so called Robo is hidden back end to prevent from manipulation, copying or hacking 🤦‍♀️