no issue before, ........this is only the 2nd time money not in same day......but still got 1 hr to go,,,
i must have Wd 100 times or so...99% money credited on the same day, even big amount RM200+k

balanced and conservative seem like people reported not doing well, negative

Old story , when you sell, you noticed RETURNS reduced,
But that is not fee/charges, that amount transferred to Net Deposit if you care to check

KDI invest since 19.2.2022, at its peak now, profit 2.9-3.9%


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reject refunded got RM80k for 40days.....

credit card deposit,charged , reject and refunded as cash

all auto

they think me kindergarten level money wise.....

itu only 1 account , banyak lagi lo

bro ini money market lah.........i dare not hope for higher than 3%

even at 3% daily compounding interest i think KDI is just biting the bullet and tahan saja........
more like paying fees at the start to get customer base .. tell me how much other money markets are paying? i have eUT PMMF, SA, Versa all no fight lah.

bro AMLA not applicable lar here.
worry only when you cant answer where your money coming from.

that kind of risk is negligible la,
if money market risk also takut
then tak payah do any investment liao..

wah itu macam pun kira risk kah.....mahu lausai baru cari tisu paper....

eg. you want interest for 26.7.22? wait till interest for 26.7.22 credited in first (around 4.30pm 26.7.22),
best is withdraw next day, ie on 27.7.22 before 11 am, you get your withdrawal money on same day ie 27.7.22 around 10pm.

if you withdraw on 26.7.22 after 11am, you still dont get your money early, money will come only on 27.7.22. and you risk not getting interest for 26.7.22 as you withdraw on 26.7.22

why you want to feel tired for others who want and enjoy to see everyday earn RM0.0004 like below? let them ma.

others may have alot of money so their 1day earning many times bigger than your amount you tired of

still he can say apalah RM82, kuci miao only when he has so much RM 1 million time.

i started mid Feb, returns 4.5%


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daily compounding at 3% very good liao, WD same day can get money, where to find?
i wont ask for more, enjoy parking here while it last..

market is up and down lah, sometime you make money sometime you lose
of course we all hope after a longtime we make money ah.

i started in Feb 2022 with RM1000 each, then market down added money to each..
My accounts now 6 months old already all good profit earning 6.5%-8.6% in 6 months.
so far this is the highest ,
lowest time on 23.5.2022 all also losing money like you now



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StashAway? See lah already 1 year now..paper loss RM3500,
Had i put that SA money in KDI invest , now gain RM7000+ goyang kaki 6 months only

how to choose ? u can add money when market down,
so far i dont sell any KDI Invest yet.
yeah 5 accounts means RM15k no fee ,
but 5 accs were opened more for that promo kdisave 3%


if you read can see is not 1 account.
5 separate accounts,
market value for each of them on same day -13.8.2022

1 year SA kalah teruk to 6 months KDI Invest...Regret didnt WD all out from SA.


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ideally yes, but if after long period, all gains become negative and it cant recover back,that says something


SA seems recovering now, so i just let it be first..

actually i dont choose, i suka suka masuk when money available in hand.

yeah KDi lousy cant separate KDI Invest out from Save to show performance, useless bar chart

No harm wishing for above 3%, KDI may have gathered alot of money from depositors
but gained alot of money as in profits, i doubt . more like an attraction to pull crowds at the start only
but i wish a i am wrong and KDI save continues to do it next year, my No 1 Money Market choice.

Wah RM10-15 Millon for a white elephant, true or not?
this is private entity not gomen GLC la.

Takkan the MD didnt do his due deligence, checking ,survey etc....
Somemore he said they are very conservative and
it will be massively lucrative,
yet you think it will be a flop outright..

A new superapp providing low fees is good enough,
no need totally free robin hood la.
i think it will work.

What makes you think the rich prefer to use RMs?
Main reason is convenience and access to certain products, take away these 2
I would say with superapp if you can do everything yourself, RM redundant liao.
the way forward, more efficient and low cost

Do you have RMs? My RMs are ok, they offer me their products, i say no, they wont kacau me.
I say ok, they send me details and i bought, they happy me happy.

Cant say they only sell stupid products , who so stupid wanna buy?
Recently i bought the CIMB CIRA coupon rate 5.5% , paid 3 monthly
Bank Islam Bonds 5.16% , paid 6 monthly
Without RMs how to buy?

But i agree with you Ramjade sapu that MD without giving him face at all.


Are you sure FD rate is almost always lower than MMF??
takda logik la Bro.

FD tie your money down , to get good rate must tie longer , withdraw kena cut back no interest.
MMF can withdraw any working day ,no penalty, especially pay daily interest type

So how can FD pay lower than MMF, everyone run to MMF lo like that.

as per my records, my FDs are always higher than MMF(PMMF, SA, Versa), KDI included.
Note KDI is not you usual MMF, and i doubt next year can maintain same 3%




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