could be. the question is, will it still be higher than versa or stashaway simple

KDI is trying to time the market, this used to be aggressive allocation

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

This post has been edited by Medufsaid: Aug 4 2022, 01:24 PM

i think is 1 profile, 5 different days of screenshot

KDI started this year only, if u want to compare, you need to start with RM100 in SA and RM100 in KDI on the same start date. There's a bear market after Jan so KDI will have a better starting point



chart compiled from fiholicMD's experiment -> https://twitter.com/fiholicMD/status/1531111914096340993

This post has been edited by Medufsaid: Aug 14 2022, 10:11 PM

got data, but no one is showing the performance in a chart format (or maybe KDI invest doesn't have that), so i'm just like you, only have KDI save

No more new data from him already (June/July onwards), maybe liquidated for better stuffs... but your comment gave me an idea... here's the 1 month performance if normalised back to 0.00%



This post has been edited by Medufsaid: Aug 14 2022, 10:55 PM

June is a good time to enter. can probably be green with just a lumpsum

... 16% use to buy back malaysian shares
but anyway, we don't know when did KDI buy back into shares ETF right? if middle of aug, means reentered at high

This post has been edited by Medufsaid: Sep 2 2022, 05:48 PM

i don't think KDI Invest is transparent with how they time the market. so better you ask yourself if you want to take the leap of faith or not. if market is bad they'll help you time the market anyway

yea this

don't consider this as transparent as they might just be saying what is publicly allowed to be said

This post has been edited by Medufsaid: Sep 5 2022, 03:59 PM

I assume you mean RM instead of %

we're all planning to move out of KDI if the rates aren't attractive when promo ends. so, less than 2 months left

big fish like KDI invest get charged different commission rates by their brokers unlike small fries like us, don't be too worried over the transaction fees

instead, compare against other robo and see if KDI outperforms those other robos after management fees

investment is a long term game, just leave it there for 3-5 years, or withdraw to DIY for 3-5 years

that's the forex risk whenever you invest overseas... MYR strengthen due to Anwar

i think i can say with some certainty that he's xander83. even a statement like, "I ate McD this afternoon", i'll not trust without any proof

a difference of 1.1%... could it be forex conversion from MYR to USD, then USD back to KDI save?

at least KDI is more transparent with what they deduct. UT is a black box, u only see the NAV unless u dig into annual reports

This post has been edited by Medufsaid: Nov 17 2023, 10:09 AM

KDI UI might be subpar, but KDI save you can withdraw faster, and can deposit amount to the sen (e.g., deposit RM699.69)

SA Malaysia Simple withdraw slow, and can only deposit rounded to Ringgit. but SA Singapore Simple (open with passport) withdraw is as quick as KDI Save