There's higher risk in crypto savings although juicy interests.. Even if stablecoins. Best read up to know what you're investing in fully and don't put all the money into them. I only dare invest up to 10% of my portfolio in crypto.

This post has been edited by Davidtcf: Apr 28 2022, 01:00 AM

I have put some money in KDI Save too like a savings account since it can be liquidated easier than FD but I do not even dare to put into KDI Invest.

For crypto, is just USDT Earn account with some funds used to explore trading & DCI.
There is still a lot in FD as some were put before the interest rate went down with a tenure 3 to 4 years previously so ya, is still well diversified.

sure we all must know this basic.. but if a class of portfolio doing well over a LONG period, when all others doing badly it mean something right? good portfolio as they say...

but here we are talking about a 2 month old portfolio, too "young" to qualify yet as "past return".

Actually i had doubted that balanced portfolio could earn 10% profit , if you get the drift in my post.


i know that la bro.
you must remember everyone got excited straight away and we are jumped in.
all about same time, dont believe go back see the posts
if not why Davidctf's portfolio now underwater?
same same lah

And that day he didnt mean 10% profit also! i just pretend dont know
cucuk him abit to get the truth.


yeah i remember you, do u remember me ?. I am heavy in FD also, i have substantial amount at 4.85% till end 2023 BR FD.

all these other stuffs just play play only.

Definitely remember. 4.85% is like virtually extinct at least for a few years to come.
3% daily compounded interest in Kenanga already very happy.
However, crypto savings at 12.3% is like too good to resist trying.

Invested 2.7k at aggressive portfolio earlier this month around 7 april. Last week positive return +rm27 make me so happy thought can become more by end of month then suddenly friday become negative -rm42 . Today become negative -rm30.

Should sell or hold onto the portfolio?
Advise please.

I know market is dropping but shouldn't robo be able to predict and do something about it.
Like that not much different from buying own self and robo.
Market drop robo also drop, then what is robo for?


This post has been edited by runningdash: Apr 29 2022, 01:32 AM

back then the moment u started investing, what's ur philosophy? to hold long term or to speculate short term?
having said that robot is not for short term play or speculation in the first place.

Want to put long term but when see it dropping, heart and mind don't feel good.

that's a common emotional problem of FOMO and FOLO among investors, as well common oxymoron among investor who said they're long term play but still FOLO.
If one has long-term faith and knows what he is investing on, he wouldn't start asking around should I sell because I am losing RM30.

Don't get me wrong, I am not giving you the advice to sell or to hold, but instead, I am just delivering the philosophy of LONG TERM investment.

My own DIY long-term portfolio (not KDI) is paper losing MYR 11k, I just chill only as I know I won't be realizing or withdrawing that money at least for 10 years.
I am confident enough in my long-term play.

Again disclaimer, no suggestion of selling/continue holding, you make up your own mind.

robo is for ppl who don't want to spend time to learn how to invest. the fact that you are here posting means you are willing to learn so you can skip robo already

btw, someone did 1 full year of 6 robo experiment. so can expect KDI to be have the same "passive investing" performance

This post has been edited by Medufsaid: Apr 29 2022, 07:58 AM

this year stock market got hit hard that's why can pull all the previous earnings down.
It's 1 year test, show us 5-10 years result, that is how long most people should invest anyway.

Investing is about controlling your emotions also.
what if you earn total of 50% after 5 years? How will you feel that time?

If you always feel upset when check the numbers, then stop checking that often. Discipline yourself to check maybe like once every few months instead.
Some people on Reddit never check what they invested in as they want to avoid feeling emotional.. you can read about this on the web too about what other experts say for long term investors.

This post has been edited by Davidtcf: Apr 29 2022, 10:03 AM

Loss aversion, refers to people's preferences to avoid losing compared to gaining the equivalent amount, in simple term, human emotion on losing RM 1000 is the same when making gain of about RM 1500 to RM 2500.

This is the flaws of human nature which cause most of the people realize the losses when they see negative in their portfolio. Only small fraction who can with stand able to enjoy the fruits of return in long run

It is foolhardy to ask about investment decision on forum, anyone can give you crap advise, no one will be responsible on the advise given.

if one is to invest in spare money, then they wouldn't feel so pain or worry also when the stock dives..

always have emergency money with you too, those you can put in safe deposits such as KDI Save, Go+.. best have 1-3 months of your salary ready (some say 6 mths emergency money in case jobless).

don't expect invest everything into stocks and think you can make it big next month. The opposite can happen.

This post has been edited by Davidtcf: Apr 29 2022, 11:40 AM

Hi All, I just did a withdrawal request and received the email notification stating the withdrawal is successful, how long do I need to wait approximately to get the fund after the email notification? Thanks.

I gotten mine around 8pm to 9pm. They use Interbank GIRO, so it takes some time.

Assuming you did the withdrawal after 11am. (KDI Save)

My guess, probably you'll only get the funds next Thursday (5th May) after 5pm.

Otherwise, by tonight, very likely you'll get the funds.

Edit: Ahh, my mistake for assuming KDI Save, enlightened by the post below.

This post has been edited by shawnme: Apr 29 2022, 02:14 PM

kdi save or invest?

Watching the KDI Invest webinar now...all down and -ve. LOL.

got link? anyway no bottom yet in sight for US markets

Exit out KDI Invest the initial RM250, when saw the amount is like RM250.3, after cash out, the final amount is RM248.1, money received yesterday