May I know why you exit? US market not doing well so can expect losses. But your capital is 250 so lose abit still ok not like capital 250K then the loss is painful

Don't felt like investing now, just a personal opinion

The up down too much these day, one day 250.3, the next day withdrawal is 243.96 then finally showing withdrawal amount 248.10

The cash out for KDI save is same day if done before 11am working day, which is nice

dont put too high hope of these things la.. cant earn much one, you can profit alot means you also can loss big..... just for the sake of diversity throw some lo.
more important is increase your earning power, active income, accumulate a mountain then you dont rely of these anymore,
wealth preservation cukup

I think need to be fair in judgement. From what I read KDI invest is use monies buy US listed ETF. So you initiate withdraw they have to sell off to get you monies this take time. Even if you DIY
in US exchange yourself today sell today get monies?

I believe KDI save is different it is pool everyone monies go invest some safer instruments. That pool of monies I believe they hold some small portion no invest to meet redemption request like you. That is why you today sell early you get monies early.

they intend to reduce US equity exposure and place more fund in gold investment, ie SPDR gold trust.

In btw, those who invested in KDI should watch their webinar to get latest update on the investment….can post questions during live session.

Even gold will kena hentam. Nowhere is safe now. Better put your money in KDI Save and wait it out.

Really hope kdi won't end up buy high sell lownever mind. KDI's email masok junk mail

This post has been edited by Medufsaid: Apr 30 2022, 08:09 PM

Yes, just sharing on a small amount of KDI invest experience

KDI save, if okay with working day withdrawal, then seems it is a okay option compare to traditional FD

Yes, for KDI invest, it is explained in the FAQ

Does DIY in US exchange sell, get the amount transacted ? I don't know either.

The problem I felt, it is unstable now, some said this is a time to buy the dip though, I don't have the stomach on this for now, just invest when you have the spare, without worrying

Or choose KDI save for now, 3% up to 200K is not that bad

That is normal always market correction ppl flock to gold investment. SPDR gold is backed by physical gold. I think Bursa and SGX also listed.

I wonder in their diversification basket of ETF do they also invest a bit on country specific ETF? I invest with Syfe and my Indonesia, Australia a little green color

This is the conservative portfolio as per the March statement:

SHV
FLOT
IEF
QQQ
UUP
HYG
SPY
VT
BDNX

Other portfolio such as aggressive, growth, balanced etc, individual assets component are different from above.

I wonder if we deposit say on Friday 2pm, will the interest start counting over the weekend or only on Monday?

Can see it on 1st page.

This post has been edited by Zeroxhunter: May 1 2022, 11:44 AM

May I know why the final amount is not RM250.30? I think there's no fee charging for funds below RM3k for KDI Invest?

Thanks for sharing. Quite skewed towards US and use World, International to try cover rest of the world which IMO will not be adequate. Anyway since I read kdi invest is you cannot control what ETF to buy you just give monies and hope they do a good job. Similar in business model as SA

If you can explore Spore Syfe Custom you get to pick your own ETF from a list they provided that is more control IMO.

Probably this.


This post has been edited by shawnme: May 1 2022, 12:14 PM

the amount you see every day (week?) is the current value in USD calculated into MYR rate. to really convert back to MYR for good, got percentage deduction

This post has been edited by Medufsaid: May 1 2022, 02:43 PM

Market price might fluctuate after they process the cash out for KDI Invest.

Even Stashaway takes 3-5 days to complete a withdrawal.

Only go long term for Invest. Recommend a few years at least to see growth.

This post has been edited by Davidtcf: May 1 2022, 07:16 PM

Changes of assets allocation March 22 vs April 22 (for conservative portfolio only):

SHV 7.02% --> 4%

FLOT 7.02% --> 4%

IEF 2.21% --> 3%

CASH 16.81% ---> 8%

QQQ 11.19% ---> 0%

UUP 4.37% ---> 17%

HYG 3.61% ---> 3%

SPY 13.58% ---> 7%

VT 22.49% ---> 0%

BDNX 11.7% ----> 0%

VNQ 0 %----> 5%

LQD 0 % ----->8%

BWX 0 % ----> 8%

EWZ 0 % -----> 15%

GLD 0 %------> 17%

i see thanks for the reply.
Majority of my funds are put under KDI Safe, I only put a small amount to test it on the Aggressive Mode. Understand that this kind of ETF should aim for long term, but as discussed above most of the robo adviser in Msia are not doing very well. Dunno if I should DCA, even if it's the money that I'm comfortable to lose...

Balanced KDI Invest Portfolio as of April. Initial investment 10k.



This post has been edited by _kilakila_: May 2 2022, 11:49 AM