Oh, sorry. Seems that I misunderstand. Why not just WD from KDI to one bank account & from bank account, you instant transfer to other banks? Although it will take some time since one can instant transfer 50k per day. It seems you are quite rushing to WD the whole money from KDI account.

Most of us here don't have 1.8mil in KDI Save, so can't replicate what you've shared.
But so far I withdraw before few hundred ok la, no issue. Just need wait for money to arrive in 1 biz day usually.

You can drop an email, or even better chat with support at bottom right of their website:

https://digitalinvesting.com.my/contact-us/



any feedback such as adding more banks option can let them know also, at least they can help you feedback to management.

This is an example of quality reply. Understand the question ,know why the question was asked and suggested logical solution, thanks

I believe you already know this is the solution to it before asking, you just want to check if there's any better suggestion/solution, right?

I hope you already done the withdrawal this morning before 11am as today will be 1st day of 4 working days

You can max out your interest earning of another 50k on the last day, capitalize on the 50k FPX transfer of your B Islam

may be logical but nobody knows for sure other than kenanga themselves.

i have not made any WD yet. My intention remain same
WD last day pump all to sspn by 5.4.22
Scenario changes we change accordingly lah.

I plan to use only Bank Islam now, reason FPX 500k a day, IBFT 80k
Fri 1.4.22 RM729k
Mon 4.4.22 RM580k
Tue 5.4.22 RM580k

unless there is better suggestion later on..i am open to change.

leave only 200k for 3% till month end move again.


i like your "even after no facepalm for a month still the same = permanent brain damage"

Tested already can work, no need ask Kenanga. Dont assume CS always know, so many dumb workers around.

I am sure you have read in cc threads many times can see info from forumners more accurate than bank CS...
logical thing must accept with open heart.

YES, that is the best, But how to put all in to SPPNi ?
I only want to sit at home click click trf and FPX only.


This post has been edited by guy3288: Mar 30 2022, 01:49 PM

but better if can withdraw all in a day. haha.

Hi all, newbie here. Just learn about this product also.

Understand that it is not PIDM protected, wondering if there's risk of loss of principal amount for the KDI FD?

anyone got their refferral $$$ yet?

so far not yet. but reading their FAQ, they take time to credit the 10 bucks to your account right?

just unsure when.

For KDI Save...it should be no

Kenanga Investment Bank is public listed in Malaysia. Meaning all their offerings are SC (securities commission) approved.

Any MMF funds must retain capital and they do keep their promise of the interest stated.

But yea if somehow the money gone then PIDM won't assist on this.

This post has been edited by Davidtcf: Mar 30 2022, 03:36 PM

in the financial world, the risk of losing principal in MMF nature (akin KID Save) is not zero, but very low.

to make it more laymen, we used to joke, yeah it is possible, when the bank/FI goes bankrupt, u might lose your principal

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?

You can choose which 1 need to deposit & withdraw

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.

Versa, SA and FSM can multiple withdraw to different banks as they have banks onboarding records while KDI doesn’t have that but only tied to singular account when creating a new profile

Agreed those rambling cry babies are usually spoon fed too much while not going to action to proper channels

Deposit have an amount box to to filled in while withdrawal you need to select portfolio tab

Before the red flags BNM will start intervening as the have rescue pool of funds to bail them out and after that it will sort out the stake to the new owners

Iinm it happened twice in Malaysia back in the 80s with BIMB and late 90s with RHB bailed out by EPF

Banks are very difficult to failed in Malaysia as there will be state interventions before that

Biggest failure by far will be MAS and it has been twice in the past 30 years

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?

The returns is not accumulate type but is base on the market sentiment which up/down

wanna use KDI Invest, need leave it there long term like 1 year at least.. best 3 years minimum. Else hard to see growth.

Stock market got a lot buy/sell happening everyday. As long good ETFs they will grow in the long run.