Give and take la. Adding in the interest we earn won't equal to much anyway.

If want more interest then deposit more money simple.

Everyday do that and need to time before 11am. No one so free la. If can prove Versa currently is better then use that instead. So far don’t think that is the case.

So park money in KDI Save enjoy what they give till year end. Next year interest might be lowered for KDI Save. If so we will switch back to Versa if they give better rates.

In the end don’t know what u all arguing for. Is not like we have a better option anyway. Can keep complain to KDI see if they will take action or not.. if they don’t bother we can't do anything anyway.. Not like they scam our money or what that police will take action?

This post has been edited by Davidtcf: Mar 25 2022, 11:58 PM

likely tipu.. but ok they give foc invest up to RM3k (not sure how long this will last). Worth to put in money for KDI Invest if less than RM3k.
so far I see money growing there for my "very conservative" portfolio. Later on 1st will share what they investing in.

This post has been edited by Davidtcf: Mar 29 2022, 05:41 PM

can't help it.. Stashaway thread also have many toxic moments in it.

once it comes to money, some people can get quite emotional about it.

Most of us here don't have 1.8mil in KDI Save, so can't replicate what you've shared.
But so far I withdraw before few hundred ok la, no issue. Just need wait for money to arrive in 1 biz day usually.

You can drop an email, or even better chat with support at bottom right of their website:

https://digitalinvesting.com.my/contact-us/



any feedback such as adding more banks option can let them know also, at least they can help you feedback to management.

Kenanga Investment Bank is public listed in Malaysia. Meaning all their offerings are SC (securities commission) approved.

Any MMF funds must retain capital and they do keep their promise of the interest stated.

But yea if somehow the money gone then PIDM won't assist on this.

This post has been edited by Davidtcf: Mar 30 2022, 03:36 PM

how often do we see a Malaysia bank go bankrupt?

Before that happens their financial reports will have many warnings already. Bank Negara also would know something bad is happening. It would be all over the news before the bank folds.

wanna use KDI Invest, need leave it there long term like 1 year at least.. best 3 years minimum. Else hard to see growth.

Stock market got a lot buy/sell happening everyday. As long good ETFs they will grow in the long run.

so much allocation to "cash" for my very conservative portfolio in March. Prefer if put it into ETFs instead.

I had changed it to "conservative", and will check again next mth. Don't dare to put in more till I'm happy with my choice:



so nice those who put in very aggresive recently.. you guy bought during the lowest dip so now see all shoot up..

told you all d their aggressive portfolio has some nice ETFs there like QQQ and SPY. These won't go wrong. Not sure why Stashaway avoid such US etfs.

My aggressive ETFs I self manage in IBKR. Using these robos more for bonds, commodities and conservative investing.

Invest below 3k in KDI Invest is worth it for its zero fees. If lazy DIY wanna invest more, KDI Invest should be a safe bet. Their lower fees and nice portfolio is good. MYTHEO is good also but higher fees. Stashaway has some weird choices for their ETFs like recent KWEB.

This post has been edited by Davidtcf: Apr 1 2022, 12:59 PM

yea dividends are being reinvested. So far received 6 cents only due to my small amount.
at the far right of my screenshot got mentioned.

https://digitalinvesting.com.my/faq/

Quote from FAQ:

strange, you got withdraw part of the amount last mth? mine i did withdraw halfway... my total also show 1k+. Next mth see if will reflect correctly or not.

Agree.. meaning for an example:

RM250 invested, instead of dividing 4.4, they went and multiply 4.4 which equals = 1100

for RM12k invested, instead of dividing 4.4, they went and multiply 4.4 which equals = 52,800

so you'll need to manually divide 4.4 yourself to see the value in that total (in RM).

Best for those affected to raise a ticket or chat with KDI support. Last month February I think no such issue right?

edit: I've raised a ticket and chat to KDI support as well.

This post has been edited by Davidtcf: Apr 1 2022, 02:56 PM

this one have to make noise liao.. blank really too much.

at least ours still got figures that we can try fix ourselves

good.. I had received a response via email earlier saying they will fix the issue:



Edit: just tested downloading March statement.. all looks good now for KDI Invest. Those who had issues earlier please try to download now

This post has been edited by Davidtcf: Apr 6 2022, 10:10 AM

usually around 5 days only can see the money invested fully for KDI invest. They need to divide your money and buy many ETFs leh.. need convert to USD some more. Of course takes time la.

and if i'm them would surely gather a number of other users requests buy in bulk to save on broker fees.

try DIY yourself buy this many ETFs then you will realize the costs and time taken.

1st of the month to be exact. Means 1st May 2022 only can download the statement to see the ETF breakdowns (assuming if someone new invested anytime during this month).

This post has been edited by Davidtcf: Apr 7 2022, 01:47 PM

Need to give it few years to see growth. KDI invest choices so far solid. Below RM3k no fees charged so how also you gained.

This post has been edited by Davidtcf: Apr 7 2022, 11:42 PM

if too long, watch from 9:30 onwards. Applies to everyone not just people in their 20s.

Below RM3k no fees just need to pay for FX rate. If invest past 3k better go DIY buy via IBKR. That’s my take anyway.

Anyhow robo like these will always have their customers. They too lazy to DIY

Those of us who DIY usually use IBKR. Transfer funds to it using SG CIMB or Wise. Can watch Ziet invest YouTube on it. He has very detailed guides. Wanna know more can ask in that thread:
https://forum.lowyat.net/topic/4843925/+5430#entry104084700

Easiest ETF is keep buy VWRA as it covers whole world.

This post has been edited by Davidtcf: Apr 8 2022, 06:22 PM