not to that extreme tipu gua, lol, worst come worst is just freaking slowpoke, norm for Msia corporate oops

Share with you guys another set of data
from the same account

Preparing for WD to multiple bank accounts soon,
I got another set of data to confirm "how it works"

Earlier i said
Daily interest= ( X+Y+Z) x 3%/365

X= Nett deposit yesterday
Y=New deposit today b4 11am
Z=Returns accumulated yesterday


Now add WD to the formula

Int today =(X+Y+Z-WD)3%/365

1st 200k 3%, you adjust accordingly
Accumulated returns yesterday RM2692.04

My interest today should be
= (200k x3%)/365 +{(1852k +33.8k + RM2692.04 - RM400)x2.25%}/365
=RM16.438 + RM116.389
=RM132.83

Expected returns today = RM2692.04 + 132.83 = RM2824.87
KDI returns--> RM2824.42??.

Earlier people thought RM0.45 cut was penalty/claw back for making withdrawals.

No , It is just being transferred to Nett Deposit.







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Any idea the supposed RM 0.45 return being transfer to Net Deposit? Was it partly due to your RM 400 withdrawal?

Could it be Kenanga fork out the extra RM 0.45, and transfer into your account as Net Deposit?

Think first before you ask, some here are impatient and dont like repeats.

Of course it is due to the withdrawal, if not there won't be transfer rm0.45 from returns to nett deposit.

Rm0.45 is part of the interest today.didnt i show the calculation above? Not kenanga's money

If kenaga simply fork out extra everytime people withdraw bankrupt lo..

So do you know what is the reason that partial of the returns being moved to Net Deposit when withdrawal occurs?

i dont know, is it important to know the real reason??

not important as long as we don't lose out, capital same, interest earning same also.
kenanga system silly doing that can cause some to think kenanga cheat cut their interest..

another thing silly is kenanga profile only allow 1 bank account
causing me trouble now how to WD to multiple banks in 1 day.

i updated the bank account, received email instantly said bank acc updated- so i WD RM100 to bank A

i updated it again put bank B acc, again email came said acc updated - so i made another WD to bank B
this is misleading, actually it is not updated
because end of the day i received all RM100 x4 in bank D, the last update!


However the system is clever when i tested key in 1 wrong number, it knows and wont accept that bank acc.
But no use, what i need is instant updating and WD money paid to that account when WD order sent like in Phillip eUT.
I could WD to multiple different bank accounts within minutes in eUT.


Anybody can suggest how to do WD to multiple different bank accounts in 1 day?

This post has been edited by guy3288: Mar 29 2022, 09:52 PM

Why not just instant transfer from all bank accounts you have to the one you register in KDI? It's foc anyway.

My guess is Kenanga imposing such withdrawal limitation (1 single bank account withdrawal), might be to let them to have a better control of the funds' outflow within a business day.

This post has been edited by Yluxion: Mar 30 2022, 12:12 AM

Bro use the old trick of wife, children account. That way you can keep up to say rm800k in there provided you have 2 children.

I think 4 account is more that enough for you?

This post has been edited by Ramjade: Mar 30 2022, 12:34 AM

thanks for trying to help, perhaps i must make myself clearer to get better suggestion..

I want to withdraw RM 1.8M out fr my KDI Save to 4 diff bank accs all in 1 day.
RM800k B islam, 400k PBB, 300k MBB , 300k HLB all on 4.4.22
i tested with RM100 yesterday , tak jadi!

deposit masuk use 6 bank accounts also all accepted.
Withdraw out to 4 banks, why KDI can't make it easier?.



maybe, but it says WD no limit, luckily...........

Can try to give them suggestion. Whether they want to implement it up to them.

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?

This post has been edited by ericlaiys: Mar 30 2022, 08:34 AM

Disappointed you lack financial savviness. at least ask lah why, then you can learn.

Worse you acted like you have enough knowledge in SA, Versa, FSM. i have all that ok?

You are wrong and this is reason others get impatient as i need to correct wrong info.
See Versa 1 eg i have off hand.


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guys, discussion or reply lately seems to be getting hostile

as a thread starter my mere hope that we stay open/calm and remain courteous in all forms of discussion, just trying to avoid here becoming a toxic thread

troublesome.. and it creates too many transactions in bank account.
i also got request CS to hv more bank account for withdrawal.

If they can few bank ac bank in.. so should hv the same few ac for withdrawal.

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/

This post has been edited by ericlaiys: Mar 30 2022, 10:25 AM

understand diff people have different needs. So please use the correct channel - https://digitalinvesting.com.my/contact-us/
rather than making complaints in a public forum.

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.

You tolerate people simply talk like they actually know but wrong rather then i correct them and put back in position?

Cant say this is toxic unless you only want low quality rambling without useful information for users

More than just that, main reason is i need speed in moving money, one account cant move them all as there is limit

See the tone you set, like reprimanded me , if you are right i accept, but not when you came in high handedly with wrong information. I am a reasonable person. Dint you think you need to be corrected when you are wrong?

This is not emotional, it is allergy to misinformation or worse those act pandai but kosong upstairs

With the limitation of KDI right now, probably you have to give up few days of interest by spreading the withdrawal into 4 days, starting with smaller amout

1st day 300k HLB
2nd day 300k MBB
3rd day 400k PBB
4th day 800k BIslam

This is the best I can think of for you.