Many FD gangs know this ... trust deficit i would say.
They trust the bank . dont trust Kenanga with their money,
new lah etc all excuses..

older gen understandable, like my mother FD also must have cert one, no cert dont wan.

but this KDI younger gen also scared scared to enter...

that is different kettle of fish, want high return go take high risk.
you cant expect the safe KDI 3% return to pull them in right?.

i was referring to another group attracted to KDI 3% but scared scared to enter.
i think this fear is excessive , how risky of losing money? compared to your bitcoins?

so my musing why lah KDI can only attract RM100million AUM so far,
?FD guys and those cash rich risk averse group dont trust their money with kenanga.
pulling in this group surely will double or tripple that 100M.

you get the point?

positive return 10% so high?

My KDI Invest Growth now under water already.
Aggressive portfolio surely also same or worse.

If Balance portfolio so good gain 10%, we must switch liao...

sure we all must know this basic.. but if a class of portfolio doing well over a LONG period, when all others doing badly it mean something right? good portfolio as they say...

but here we are talking about a 2 month old portfolio, too "young" to qualify yet as "past return".

Actually i had doubted that balanced portfolio could earn 10% profit , if you get the drift in my post.


i know that la bro.
you must remember everyone got excited straight away and we are jumped in.
all about same time, dont believe go back see the posts
if not why Davidctf's portfolio now underwater?
same same lah

And that day he didnt mean 10% profit also! i just pretend dont know
cucuk him abit to get the truth.


yeah i remember you, do u remember me ?. I am heavy in FD also, i have substantial amount at 4.85% till end 2023 BR FD.

all these other stuffs just play play only.

dont put too high hope of these things la.. cant earn much one, you can profit alot means you also can loss big..... just for the sake of diversity throw some lo.
more important is increase your earning power, active income, accumulate a mountain then you dont rely of these anymore,
wealth preservation cukup

how can anyone know it i wonder.......perhaps you ask Ramjade see he is buying or not.

he was jesus unsure
need people to allay his fear.
who else better to ask
if not u who loves the beer

mine longer period than yours, also losing money same,
they say tunggu lama lama than only can see profit.....
wait and see lah.

oh and they say, buy more now.

takkan you never heard it here?

"......investment is long term, continue to buy ..."

now down never mind, as long as years down the road it is up and better be good in annualised terms.
if end of 5 years gain only 15% that would be a measly 3% .

if by then still negative, sorry pick wrong horse oredi.

yes i have WD many times, usually received money by 7.00pm,
sometimes very early by 4.50-5.000pm

Today KDI teruk, so slow and late in paying out to us!

I made 4 WD 7.00am to 4 different banks,
Bank Rakyat received money by 7.00pm

MBB, CIMB and B Islam till now still no sight of the $$$,
hopefully can come in by 10.30pm in time to squeeze in to SSPN ..


Edit 1: 9.40pm CIMB Money in

Edit 2 -10.00pm MBB in
10.10 B Islam in
managed all pushed in to sspn i in time.

Still ok same night money cleared
Anyone who has invested in this LONG enough knows it very well...
happy only when see it climbing up. usuallly rather so slowly with abit of down, up down up back
but when crashing down it is like no warning at all and so fast...
all can be back to square one or even negative.

Make money 10% , 15% we declare our success
Lose money we quietly forget it
what is there to declare unless want people to laugh at us , dont know how to invest ?

This post has been edited by guy3288: May 5 2022, 10:42 PM

2.5 months fluctuation showing now at the lowest again, the 2nd time , just whacked RM1k each hopefully wont suddenly shoot up next few days...

MY original KDI Invest GROWTH RM1000 was at RM972.57 as at 9.5.2022

I topped up RM1000 9.5.22 early morning, hoping to improve it, but today noted total value RM1956.59 , it is even worse
Not sure is my original 1k went down further or the new add in RM1k kena chop.

How is yours?

usually money in around 7.00pm, only once very early by 5,00pm,
occasionally late till 10.10pm.
But once i kena money only came in next day!

only hoping new deposit get to buy cheaper, bythe time initial deposit recovers this would make money .


that means my new deposit RM1000 did not lose money yet, best part it gets to buy ETF at cheaper prices right?
Any idea when is the actual buy in ETF effective? how many days later from our deposit day?

3 months playing KDI save, trying to make some sense out of its numbers...


1)Everytime you withdraw/WD some money, a portion is removed from  your  accumulated interest/returns,
sent to  your capital/Nett deposit

the bigger the  WD  the bigger cut it will send to Nett Deposit

after making 11 withdrawals, my returns dropped down to RM 1249.84 today.
if not it should be RM5877.79.

2)Why KDI must remove some money from your accumulated interest?

Below 200k no reason really, as all returns should earn 3%, i dont know.

Above 200k, i think because it wants to reduce the returns portion that earn 2.25%.
After many WDs, finally it comes to  remaining returns left  all earning 3%
even if you are at RM200k and above.

see my simulation WD for 2 accounts



3)Someone asked above RM200k would my  interest still earn 3%?

The answer seem YES ,looking from my simulation WD attached.

But not all your accumulated interest, only a portion of them.

How KDI decided that out of my total returns of RM5877.79
only RM1249.84 would be entitled for 3% is a mystery.
(Every time i WD, i make sure i dont touch the portion that earn 3%.)

My wife's  smaller account with accumulated returns of RM3187.48
has  RM1309.94 portion entitled for the 3%.

I could be totally wrong in my interpretation,
feel free to share your views.
Need more data, i can share them.




Attached thumbnail(s)

it is to tell us "dont withdraw that portion that gives 3%........"
and that's is how i used it so far,
reduce the amount to withdraw,
go withdraw the balance from another account..

yes, 3% only for first RM200k, beyond that supposed to get only 2.25%
but in reality not quite so
as i have shown above.

in fact after that "threshold" (RM201,249.84 and RM201,309.94 in above 2 eg)
the amount that can continue to earn 3% rate seem continue to rise everyday!

Just where is the cut off limit that KDI will start using the 2.25% rate
for my above 2 accounts is a wonder...

if software bug, shouldn't the 3% be applied to bigger amount?

it seems to me only applied to returns earned from 1st 200k,
200k x 3% in ~3 months
just around there 1249 and 1309 i think..


i believe you also have a portion above 200k that earns 3%

use my method above, simulate a test withdraw all amount above RM200k.

There you can see it.

Note:Today KDI Save returns no update so late already.
KDI Invest updated pulak...

This post has been edited by guy3288: May 14 2022, 06:58 PM

This is not so straight forward,earlier when i had way above RM200k time, the returns dont all get 3%
now after i made many WDs the return is all getting 3% and it increases daily..

My speculation- all returns from 1st 200k deposit only will get 3%

if you put 1 million 2millions the returns from that only get 2.25%


the answer is already there above, see how i found it out
rather than asking us,
you can find out you yourself
by following my simulation WD mentioned above.


screenshot for u not enough, it wont show.
must simulate WD and screenshot that

This post has been edited by guy3288: May 18 2022, 01:37 PM

Aiyo, go read post 1067 and 1075 la
slowly look at the screenshot to understand the meaning there.
and then
you can check your own KDI see for your self ,a certain amount above RM200k is also paid 3% .