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Investment Kenanga Digital Investing (KDI), KDI Invest, KDI Save

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xander2k8
post May 28 2023, 11:27 PM

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QUOTE(BrookLes @ May 28 2023, 05:12 AM)
But putting money in will take time right?
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Before 11am same day processing

QUOTE(Ramjade @ May 28 2023, 07:11 AM)
If before 11am, I think same day.
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Yes before 11am
xander2k8
post May 28 2023, 11:32 PM

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QUOTE(guy3288 @ May 28 2023, 10:40 PM)
KDI save consider Money market  la
no need to  complicate things
short term loan daily interest good rate where to get lah...
No, it is  in same day before 11.00am
best is earning interest same day also!
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KDI Save it is not money market fund πŸ€¦β€β™€οΈ don’t know just say don’t know

It is a treasury fund run by KIBB itself and are less liquid as compared to Money Market Funds, as they have a certain lock-in period 14 days, 91 days, 182 days, and 364 days πŸ€¦β€β™€οΈ hence they are managing the liquidity in some other form of short lock in with 5 day window

It is different from Money Market Funds are highly liquid as the money invested in these funds can be withdrawn the next day of investment.
xander2k8
post Jun 1 2023, 01:23 PM

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QUOTE(download88 @ May 31 2023, 03:48 PM)
KDi invest performance seem ok now? start seeing positive return ... finally
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Positive return if they don’t simply move around the ETFs every month πŸ€¦β€β™€οΈ and thanks to depreciation of RM
xander2k8
post Jun 14 2023, 02:48 PM

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QUOTE(yungkit14 @ Jun 14 2023, 09:43 AM)
excuse me but how long is kdi reflected into my account ?
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Read in the FAQ it is already stated there πŸ€¦β€β™€οΈ

QUOTE(phoenix24 @ Jun 14 2023, 10:16 AM)
Nice! How to calculate the EAR (Effective Annual Rate)? What's the net rate we are getting? Anyone did comparison between versa and KDI since both now at 4%?
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Only started today and you wait πŸ€¦β€β™€οΈ until middle of the next month and only you can tell the difference

QUOTE(littleprawnReborn @ Jun 14 2023, 11:51 AM)
finally after a long wait KDI raised to 4% dy... good news for today...

KDI Invest starting to show better result these few days...
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Seems like the KDI treasury will only move their rates after OPR hikes and their cycles to move the rates only by 50 basis points

If KDI Invest is it positive for the year πŸ€¦β€β™€οΈ then they got a big problem with their so called intelligent AI
xander2k8
post Jul 12 2023, 05:22 PM

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QUOTE(Davidtcf @ Jul 11 2023, 02:16 PM)
don't try to time the market.. it had hit rock bottom end of last year and another time this year (due to US Fed raising interest rate to combat inflation after many years of not doing so).
need some sort of catastrophic event before something like that can happen again.

After this going to be steady going up (of course with a bit of up and downs daily). KDI invest in index funds and not individual stocks hence it's safer.

If you plan to invest long term >5 years then just continue to DCA every month. smile.gif
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Silly to DCA πŸ€¦β€β™€οΈ when you are just buying the market going higher without any downside protection as you are buying and pushing the price higher

You will only make money when you are buying on the dips and downside while holding for future more gains instead of buying at higher price
xander2k8
post Jul 13 2023, 03:14 AM

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QUOTE(BrookLes @ Jul 12 2023, 06:05 PM)
Still cannot believe ppl still believe in this DCA
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Ppl are just being brainwashed easily πŸ€¦β€β™€οΈ thinking that putting money and it will grow like a plant πŸ€¦β€β™€οΈ without any watering or fertiliser to it

Which is fundamentals, macro and research plus exit strategy is important when one choosing an asset to invest
xander2k8
post Aug 8 2023, 04:39 PM

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QUOTE(BrookLes @ Aug 6 2023, 08:25 PM)
If you really think the economy is going stabilise, you are in for a big surprise.
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Don’t scare him too much πŸ€¦β€β™€οΈ and let him think and do what he believes in
xander2k8
post Sep 1 2023, 09:42 AM

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QUOTE(1mr3tard3d @ Sep 1 2023, 09:33 AM)
previously thought go+ is highly liquid but after the entire TNG went down last time
i realised that any system could fail
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Any banking system can failed whether digital or not πŸ€¦β€β™€οΈ the key is whether they can restore service quickly or not to minimise downtime
xander2k8
post Sep 1 2023, 05:25 PM

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QUOTE(Garysydney @ Sep 1 2023, 01:57 PM)
I thought kdi bankrupt

user posted image
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Listed in Bursa πŸ€¦β€β™€οΈ not that easy because SC will issue notices if the public start making any complaints
xander2k8
post Oct 4 2023, 05:37 PM

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QUOTE(contestchris @ Oct 4 2023, 10:45 AM)
Guys, how long does it take to reflect deposits into KDI Save?

Mine has been an hour still as pending. Shouldn't it be instantly?
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Read πŸ€¦β€β™€οΈ as many posted before
xander2k8
post Oct 12 2023, 06:48 PM

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QUOTE(virtualgay @ Oct 12 2023, 12:53 AM)
50k KDI
Versa I 30k
Versa 30k
Balance letak mana if Rize no more 4%?
OCBC 360?
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At that amount πŸ€¦β€β™€οΈ I will put instead to USD while only keeping rm10k at times just for cash flow for local spending
xander2k8
post Nov 4 2023, 03:07 PM

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QUOTE(elea88 @ Nov 2 2023, 08:39 PM)
3.50 wor.. still wanna move?
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Will move because RM will depreciate more πŸ€¦β€β™€οΈ unless the fundamentals change massively which will never happen
xander2k8
post Nov 17 2023, 05:43 PM

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QUOTE(Cubalagi @ Nov 16 2023, 09:36 PM)
U put your risk profile as "Growth" and yet u cant take a 1.6% swing?
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1.6% is small swing in terms of growth portfolio πŸ€¦β€β™€οΈ

QUOTE(guy3288 @ Nov 16 2023, 11:19 PM)
3% earning in 3 months is 12% pa, i thought gd enough la, take profit this time
since i have missed 2 up cycles before
ended back to losing money past 2 months.

but damn so fast by  next day half the profit is gone

so this KDI Invest is only for play play la,
to really make money susah ,
KDI people if  you in here, pls improve lah.

sit there do nothing wont work lah.
you can only see the profits coming and gone
you are back to square one or even underwater!

best was +7.5% pa (Aug 22)
then yo yo back to original cost
then went down losing money (-4.75% in May 2023)
end of Sep to end of October 2023  mostly losing money
from Nov starts to pick up. cyclical.

effectively the swing as high as 7.5 +4.75 =12+%
lol bro...i cant take a swing of mere 1.6%?

it was only meant to say heck next day half the profit is already gone,
how to take profit lah...
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If you wanna profit more πŸ€¦β€β™€οΈ then trade as kdi invest for investing for long term πŸ€¦β€β™€οΈ not based on daily prices

QUOTE(ronnie @ Nov 17 2023, 08:46 AM)
Maybe the AI not working... hahaha
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Not that the AI is working πŸ€¦β€β™€οΈ but you need to know on how they derive their asset allocation which is why stay away if you don’t understand on how they construct portfolio allocation otherwise it will be the next Stashaway πŸ€¦β€β™€οΈ
xander2k8
post Dec 1 2023, 05:39 PM

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QUOTE(gashout @ Dec 1 2023, 03:21 PM)
Hi everyone.

I know the kdi savings gives 4% for the 1st 50k. But beyond that.

Wanna ask how's the performance for aggressive portfolio?

Thanks
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Stayaway πŸ€¦β€β™€οΈ money losing and underperforming portfolio
xander2k8
post Dec 3 2023, 06:18 AM

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QUOTE(guy3288 @ Dec 3 2023, 01:56 AM)
BroΒ  you ada KDI Invest or not??
dont just parrot what others say.
I pumped in 30k 16.8.23, only3months+ now
another RM30k on 29.9.23 only 2months+ now

they have earned me RM2213,
what is the return? More than 12.7% pa!

itu losing money kah?
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Wrong calculation πŸ€¦β€β™€οΈ because you are not investing for a year when the returns are only 3% in monetary value πŸ€¦β€β™€οΈ markets have gone up more than what you profit in that 3% πŸ€¦β€β™€οΈ

If you bought Apple early of the year at 130 you will be making more than as it is now above 190 range πŸ€¦β€β™€οΈ as it is already almost 50% πŸ€¦β€β™€οΈ as you cannot calculate in terms of pa πŸ€¦β€β™€οΈ as every year market is different

So whose the parrot when you can’t even calculate properly in terms of absolute returns πŸ€¦β€β™€οΈ

Remember your small 3% gains are not from the ETF holdings because it is loss making in USD terms πŸ€¦β€β™€οΈ when the small gains are from the depreciation of the RM πŸ€¦β€β™€οΈ

This post has been edited by xander2k8: Dec 3 2023, 06:48 AM
xander2k8
post Dec 3 2023, 02:10 PM

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QUOTE(guy3288 @ Dec 3 2023, 10:36 AM)
bro dont just talk incoherrently ok?
think  before you talk lah.

i talk from the ground in reality
you mumbled in your dream on fantasy
who can follow i wonder...

i showed you actual profit RM2113 in 3.5 months from 60k capital
what rubbish  not investing for 1 year?

no 1 year  you dont know how  to calculate kah?

Talk only clever, wrong calculation? come prove it
Please show us your correct calculation.

i said  capital injected in Aug and Sept 2023 made that profit.
why you bring in apple bought in Jan 2023 as comparison?

that showed how much you know your maths
better go compare your apple and oranges in private
bro if  you worry losing interest why wanna sell on 3.12.23?

Sell on 3rd still get  your money on 4th night,
might as well you sell on 4th, but must sell before 10Am lah
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Wrong πŸ€¦β€β™€οΈ because in reality markets are not straight line up because what you are calculating not grounded and not in reality and assuming that every quarter is consistent in return like FD πŸ€¦β€β™€οΈ

Plus if you go back calculate your ETF holdings in USD πŸ€¦β€β™€οΈ you are still in lose πŸ€¦β€β™€οΈ your only so called gains are because RM depreciationπŸ€¦β€β™€οΈ
xander2k8
post Dec 3 2023, 02:35 PM

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QUOTE(guy3288 @ Dec 3 2023, 02:31 PM)
Bro remember in public forum  dont simply post
thinking others are all stupid.

people can check you telling lies or truth

And i just found out you were telling lies.

3% profit in KDI invest is from USD MYR gain?
That is a lie!

here is the proof

on 18.8.23 1 USD = 4.63 MYR
on 29.9.23 1 USD  = 4.69 MYR
on 1.12.23 1 USD  = 4.67 MYR

the difference  is  0.8% only.

how you can use that as excuse for a  3.7% profit?

my entry on 29.9.23 should reduce my profit actually
not adding to it as  you had tried to lie.
rubbish. see above proof.
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Go check back your ETF holdings in USD πŸ€¦β€β™€οΈ itself as it is in the red itself even the market is up πŸ€¦β€β™€οΈ
xander2k8
post Dec 8 2023, 02:18 PM

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QUOTE(ronnie @ Dec 8 2023, 11:26 AM)
How fast to get approve upon signing up ?
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Now moving to KDI πŸ€¦β€β™€οΈ after Rize debacle and Versa lower to 4%
xander2k8
post Dec 12 2023, 02:30 PM

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QUOTE(ronnie @ Dec 12 2023, 02:23 PM)
First deposit on 11-12-2023 11:12:40 into KDI Save
Until now still belum finish Pending
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Wait until after 4pm πŸ€¦β€β™€οΈ but wait since after 11am it will take T+1.5 πŸ€¦β€β™€οΈ

Remember it is not instant like savings account πŸ€¦β€β™€οΈ

This post has been edited by xander2k8: Dec 12 2023, 02:30 PM
xander2k8
post Dec 12 2023, 02:48 PM

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QUOTE(ronnie @ Dec 12 2023, 02:44 PM)
By 4PM today, you mean ?
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Go read their FAQ πŸ€¦β€β™€οΈ as it stated clearly as deposit cut off time is stated there

It is just like Versa except before deposit cut off time will reflect same day after 4pm

This post has been edited by xander2k8: Dec 12 2023, 02:49 PM

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