Seem like it make sense for lower the returns if our net deposit amount (after withdraw) is reduced.

that make it seems like profit is not incremental on daily basis (into Returns bucket), but dynamically-updated based on current net deposit?

Daily return is compound base but subject to total amount holding.

After your withdraw the holding value is decrease that make the return have slightly decrease as well.

Thinking the same thing too. Perhaps the return drops due to lower deposit amount current value

this is weird then .... do keep us posted. thanks

shouldnt the Return amount either remain same amount (as yesterday's) or increase (if having deposit before 11am today)?

withdrawing from net deposit only caused me to earn lower profit, but not reducing my (already earned) profit as well?


haha still learning and trying to understand

This post has been edited by cybpsych: Mar 24 2022, 05:32 PM

if you can lose money then mustthink twice if sure untung why not?
i reckon KDI save must have amassed lots of millions by now...

thatrefers to KDI invest only right?
for those with Bs, yes but Ms only still alot only DIY
hopefully KDI can earn our trust and respect...




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dont know u refer to same testing or not,i tested and yes nice refunded cash!


try post 512, is that your problem?
If yes worry not, just check your Net Deposit column.
your "loss" is credited there

of course if total balance reduced(after WD) , daily interest must also reduced- but must reduced ACCORDINGLY lah

the issue is the interest reduced is more than Accordingly.

Eg that day i WD RM10k, i expected interest for next day reduced by RM0.62,
but KDI reduced next day interest by RM3.54,

what happened to the RM2.92??

KDI sent it to "Nett Deposit"...
funny system.

thanks

a bit confusing/unclear how the reduction works

will monitor next round of withdrawal

I make a small amount of withdrawal, and I found they deduct partly from Return, which is in-contradict with their explanation on Net 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...


This post has been edited by magika: Mar 24 2022, 07:39 PM

Definitely those with high net worth won’t do it they rather go through private banking

Yes the fastest around 3 hrs just like mine

Return is not compounded only deposits are compounded returns into daily return calculation

That wrong then

Daily compounded only on deposits not inclusive of returns

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.

thanks again

yeah. I suspected some portion moved to deposit.

well. I can't verify cuz my net deposit is not round amount anyway. no way to compare unless I screencap my balance before withdrawal this morning

At 3% you should be earning daily at 0.1782 not 13sens so it means only your base deposits are calculated and it is fixed all the time and only the return system portion is higher daily but not interest compounded

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

cheer...just some discussion for clear picture although we all are small investor