Ok my total returns all in RM5877.79, then WD down to bal now RM200+k,

KDI pay 3% for RM200k + 1249.84, you go see post 1067 and 1075,
is all there with proof RM1249.84 above RM200k being paid 3%

Take home message
1)Returns from 1st 200k gets 3%
2)Not ALL returns from KDI save will be paid 3%
if yes i should have RM5877.79 being paid 3%

you seem to think people who put millions in FD dont know how to invest
inflation will eat away their money etc.

You forgot to look at the quantum.
the actual amount of money you can get from it
be investment or FD.

example
A has 500k to invest - go hard for 10% return.
Good year got 10% return =RM50,000,
passive income RM4166 pm. happy.
Bad year?

B has RM10M in FD ,monthly got RM20833 to spend
Does he need to worry about inflation?
i dont think inflation will eat away his money.

High risk high return, just how high the risk i need to take?
to earn enough to spend.

yes, never under estimate the value of these safe havens with steady and consistent returns.....no downfall, no negatives ever to cancel off your overall portfolio. It can only add , never reduce your money in hand.

many ex kakis from old FSM thread will remember how i argued and defended these safe havens when ASM,ASW,FD were being ridiculed by those so called investment sifus when in actual fact they themselves also cant beat the lowly 4-6% when averaged it out. Ramjade was there then as a very junior forumner, often being ridiculed by many of them every now and then...but now he has graduated to become an investment sifu.


that is because too many so called investment sifus are saying so.
And their voices are louder.
if you go to investment talks, they will brain wash you to take money all out from FD and invest.

Their excuse? inflation will eat away your money!

bottom line is how much you have in hand?
You dont have enough you may be susceptible to it.

there are always 2 sides of the coin to consider..

after many years i found out for myself the steady and consistent return is better.
steady and consistent i refer the 4-6% types, not the current 2-3% types.
My last batch FDs are still 4.85%pa interest paid monthly, till end next year.

So stocks, unit trusts etc are like for fun only in my case ie not earning much after 20 years
Had i put them in 4-6% above i would have earned more.


yeah sure, we cant just put all in FD, ASX or MMF right?

I started off with 20% there now slowly reduced to below 10% as i find them not very productive.for me lah.
I would rather rely on my 80% portions - consistent return 4-7.4%
7.4% from corporate bonds
properties should be safe right ,yet my best returns , 6-13% nett rental
capital appreciation 200%

Yeah i remember that guy, prolific writer damn active in early versions of FD
he even went labelling almost everyone there.
FDMCGC - Fixed Deposit Musical Chair Gamers Club
FRMONBWFDP - Freaking Rich Members Or Not Bothered With FD Promotions

https://forum.lowyat.net/topic/2451962
i remember a very heated argument with him as well BR FD.



I agree, if not people no need to work already all sit in computer doing investment to make a living.
Peddlers come tell me this one guaranteed 10% return,
i ask why not you go take a loan and earn the extra yourself?

come what it may we just have to face it
but 4% is still abit too low...


and this many have been asking past many weeks....finally pending....


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Referrer and referent' s full name all disclosed
no thanks to the RM10 token!

i have pre-empted that by giving my downlines' code instead

Yes, consistent 6-10% is enough
no need to be greedy for 10-15% with huge swing up and down.
becos many ended averaging out at below 4% in the end.

the graph/smooth line not so accurate la, better use the black straight lines
Mine also got that artificial bump up, not true value.

Also if use 1 week chart again not accurate, see like i started off with 0 on 19.5.22 , not true again.
even the accumulated returns are not accurate, actual value way above RM5000, there u see only RM1511..

what is the use i wonder...




and if put 1 week


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surprised yours didnt pick up?? Mine all positive already


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first you already lost RM46, capital 2800-->RM2754

I doubt 1 day can gain RM53.47 that is 53.47/2754 =1.94%
i track my Growth and Aggressive KDI Invest,
the daily gain is so little hardly 0.5% even over few days cant reach 1% gain.
must be some mistake somewhere , cant be 1.9% gain in 1 day.

i thought recession coming so bought Precious Metal Securities RM0.50, now kena?
Dropped some more must buy again.

Played this UT many years already was 30sen 2015 .price movements quite violent. one day dropped 2+% recently. make money sell and run, this time not so cheap but just buy as gambling portfolio,

Balanced Portfolio seem worse?......
by right now equity down - aggresisve and growth Port should be worse
my growth and aggressive still positive

Seem like whoever chose growth and aggressive all lucky lah
those who go for Balanced all underwater kah?
assuming we all invest from the 1st week or so.

yes that is your fault go kacau Invest amount,
i in out in out so many times , never kena force buy Invest..


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Going to buy CIRA..
Selling above 200k you see the amount does not add up..... X missing

System error paying 3% for X amount above 200k?


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Capital guaranteed structured product,
betting on Klibor not getting too high can earn 5.5% return pa paid 3 monthly

All negatives?
checked mine, entered on 19.2.2022, 22,25,28 and 2.3.22 all positive as at 31.5.2022, highest on 28.5.2022

Looking at my records all my KDI Invest portfolio(Growth and Aggressive) was at the peak end of May ie 28-31.5.22
How to explain the graph showing all negatives?

so big difference kah entered on 15 Feb 2022
compared to mine entered on 19.2.22 and few days later??

reject is from credit cards, i have taken out cash few hundred ks from it . interest free money to use first pay later

failed- i cancelled payment.

KDI Invest Growth and Aggressive portfolio again at its peak now, just like in end of May 2022...
profit 2.3-2.5% over cost since Feb 2022

Sold RM5ok KDI Save this morning, till now money still not in teruk!!!
Got many credit cards to pay, long weekend habis lah.......first time kena KDI save holding money so long....got RM80k 0% BT from UOB today, but wont be in time to pay my cards due date 11.7.22