of course not from CC /3rd party lah, that's why I only bolded Joint Accounts .

Maybe I should just give it a try, see if they refund. 

dont see any harm trying. No big loss 

OK thanks for the info. Maybe will try some figure below 3k and see how it goes.

Wonder if got investors put millions in this kinda robo-advisors? 

Opened an account this morning @9.44AM, got approved @12.10PM same day. That what fast.
Since my registered bank in KDI is limited to FPX 30k daily transaction, can I use other bank (under my sole name) for the deposit?

Hope not intruding but based on the issues, so the Return is in separate account meaning it is not compounding ?
Or am i mistaken. Base Compounding Interest ... what does it mean...

That wrong then

Dont worry about the calculation, i can vouch that KDi calculate  daily interest exactly as what we have expected.
it is daily compounding including your earned interest.

If your  balance yesterday was X, and today b4 11am deposited Y, and  your accumulated return Z
Today's interest would be (X+Y+Z) x3%/365
straight forward.

IINM you raised the issue as you felt KDi "claw back" some of your earned interest.
just go check your Net Deposit there, the money is there.

Mine the moment i saw  my Nett Deposit  XXXX2.92 i know that RM2.92  was not my own deposit, it must be
CR from the so called claw back interest. Go check yours.
First hand info here, it is daily compounding including earned interest.
your also first hand info or hearsay?

Note that  my accumulated interest of RM2168.99 can only earn compounding interest of only 13sen,
dont expect to be able to see it with smaller amount.

amazing, calculate down to small dollar and cents for KDI Save 

Anyone know how often is the interests distributed for KDi Save ? I notice the interests is not updated daily.

Yeah, it baffles me why they rather go believe shit- stirrer...
Can't believe it .. why so much confusion  over no compounded interest, how interest calculated ,
have doubt when withdraw , marketing trick  etc...

Login your KDi save , see it for yourself, dont just listen to hearsay, dont just read
without understanding the points to the extent all you can see is only people arguing over few dollars and cents.
You are missing the forest for the trees.

You still insist no compound interest? let me show u.
Forget abt the base compounding gibberish.

Every deposit gets  interest is biasa lah.
Compound means  interest earn interest as well

It is hilarious that you could simply shoot interest should be RM0.1782 for me and that is proof there is no compounding
interest...

Do you even know my base deposits? If not how do you calculate?

If no  compounding, my daily interest should be RM130.60
(200 x3%)+(1852 x2.25%)/365

But i am getting daily RM130.73, yesterday RM2168.99, today RM2299.72.

isn't that RM0.13 proof of  compounding ?
(RM2168.99 x 2.25%)/365

This is not arguing about 13sen as if 13sen is so big. It is the big picture  you must see, the product feature is being called into question, got compound interest or not, people asked?

KDI is not that  bad
but arrogance n ignorance from some make it look bad

for those who are still blur blur, take home message
1)you get compounded interest daily
2)no penalty when you withdraw
3)Interest paid exactly as expected. 3% and then 2.25%

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.

To be financial savvy, must learn how to read and calculate every detail as possible, not to swallow everything without research. Its not a matter of sens but the underlying principle we must try to understand.

Thanks for taking the effort to clarify. I am really happy that KDI is giving daily interest and i forsee in the near future i will also be using it. Its all that matters anyway.

However i have read thru quite a number of reviews by bloggers and none of them mention any compounding interest . Maybe they are not well verse in the products itself.

Same with me. I do have doubt but not on the products itself. Even in the product info ghat i have read so far, none of them have any mention of it except some vague terms such as base compounding deposit in which one of the forumers has posted using screenshot.

Pertaining to the issues that the interest is compounding, like in your case should be at 2.25%,  therefore since  your daily interest amounted to RM13😂0.73, correct  me if i am wrong, thereby tomorow interest should be at least RM130.73 + 0.08 sen. Of course barring any change in deposit.

Thats all that is needed to show whether it is compounding. Thanks if you should have the time to enlightened us.

just withdraw from 1 account. then from there there transfer to 3 account. it is same and avoid fraud to multiple accounts. even other investments like stashaway, versa, fsm -all tie to 1 account. why make a complain that want 4 account in kdi?

dude calm down. if you're unhappy. don't use kdi. no point complained in forum. write an official email or call kdi to make them listen to u.
Please divert your feedback to https://digitalinvesting.com.my/contact-us/

Just made my first deposit.  So every time must deposit in both Save and Invest together?  can't only invest in one fund?

but can withdraw either one fund, not necessary withdraw both funds, right?

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.

Yesterday, my KDI Invest is like this.

Current Value = RM1010.35
Returns = RM10.35
Net Deposit = RM1000

Today, it's been like this.

Current Value = RM1003.80
Returns = RM3.80
Net Deposit = RM1000

My question is.
1. If I WD from it, it will deduct from my Current Value or Net Deposit?
2. I thought the Current Value should be RM 1014.15? (1010.35+3.8), or did i mistake in calculation?

so is it Current Value or Net Deposit?

so much allocation to "cash" for my very conservative portfolio in March .

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.

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:

A month+ in and their user experience still feels like I'm using an undergrad's rushed final year project, and the worse part is  they even got the numbers wrong.

I've only ever put in 250 to KDI Invest, but apparently I have over 1k invested and over 600+ in VT...
🤣🤣🤣

Didn't touch it since opening deposit, KDI isn't exactly earning my strong confidence given their UX so far.

If only it's reflected on UI side and is withdrawable 🤷‍♂️

Slightly better, because Akru can't even complete my registration process after 1y, that is one hell of a jank startup waiting for an acquisition and 0 intention to improve.

Mine seem strange, can someone advise? Just open the account since middle of March for testing.
I remembered few days ago Investment account return like RM 10.