yea no face or fingerprint scan makes it hard to login.
also need to wait statement on 1st to see any up or downs for the portfolio.

as long it can make profit on long term hold I'm ok.
Free management fees for first RM3k for KDI invest makes it a sell for me.
I like to have something easy to withdraw.. KDI invest suit this reason. (5 days wait time is standard)

withdrawing from IBKR back to Malaysia will incur higher charges (need to withdraw larger amounts to be worth it).

Yes, provided the tomorrow mention herein is a working day

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

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

Probably this.

When you start to question yourself it means you have the answer you should not go for investment Aggressive Mode. For me I am like you many years ago and it make sense since I am young working and starting family so every dollar and cents is hard-earned cannot go into aggressive mode. Now going towards retirement mode, with more monies saved I can take some risk and put some capital into aggressive mode. After-all my own govt has CPF aka Msia EPF as my backup.

Balanced portfolio, just 3K depo to save the fees (actually not sure if I should depo 3k or 2999)

Firstly, for an investment amount of above RM3,000, KDI charges a management fee of 0.7% or less per annum. Do note that there are no fees charged for an investment amount that is RM3,000 and below. For further details please refer to the fee schedule.

Sorry I misread becuz in your earlier post you ask should I DCA then latest you say testing water. That means before you ask should DCA your mind is made up to test water am I correct?

My aggressive portfolio. Cost 2.5k.

I wacked 1k for KDI invest last week also when the market fell sharply.. hope will gain from it.
now total at 2.2k.. will wait another good time to deposit the remaining few hundred.

Maybe just maybe, they are trying to get on the same train. 😁🤑

"Asia stock stars may see more tailwinds even as world tightens"
(May 8): Fed hikes, decades-high inflation and Covid lockdowns in China are only adding to investor bets that Southeast Asia’s stock markets may be one of the best places to park their money right now.

Buyers are touting an economic reopening and the region’s attraction as a hedge against higher commodity prices, which is helping the MSCI Asean Index break out of a three-year relative downtrend versus its global peer. Foreign funds have been net buying Southeast Asia shares every month of this year, with total inflows of US$10 billion so far, Bloomberg-compiled data show.

https://www.theedgemarkets.com/article/asia...-world-tightens

https://www.theedgemarkets.com/article/bnm-...-record-low-175

BNM increase OPR to 2%, hopefully our KDI Save return rate can be higher, or maybe the 2.25% above 200k deposit can be higher.

Unlimwly you are getting above 3% for anything form banks other than loans unless interest rate 2.5% or more.

you seem to think people who  put millions in FD dont know how to invest
inflation will eat away their money etc.

You forgot to look at the quantum.
the actual amount of money you can get from it
be  investment or FD.

example
A has 500k to invest - go hard for 10% return.
Good year got 10% return =RM50,000,
passive income RM4166 pm. happy.
Bad year?

B has RM10M in FD ,monthly got  RM20833 to spend
Does he need to worry about inflation?
i dont think  inflation will eat away his money.

High risk high return, just how high the risk i need to take?
to earn enough to spend.

The key to this strategy is when can you earn your first million ? If salary worker you can do some maths if can hit by the time you retire then yes that strategy works. If cannot hit then the strategy does not work out very well isn't it? Also don't just look at the 3.3k in your e.g also need to factor in the rising cost of living and any other loans you haven't pay finish like house, car, kids education etc.

KDI Invest Growth and Aggressive portfolio  again at its peak now, just like in end of May 2022...
profit 2.3-2.5% over cost since Feb 2022

Sold RM5ok KDI Save  this morning, till now money still not in teruk!!!
Got many credit cards to pay, long weekend habis lah.......first time kena KDI save holding money  so long....got RM80k 0% BT from UOB today, but wont be in time to  pay  my cards due date 11.7.22

lack of reading 
Wah you are right la bruh....

ini cilakak punya KDI actually reduces  interest rate for amount above RM50k

i checked 1 acc above RM50k found 3.0% is now only 2.95%
i am sure above RM200k previously 2.25% will likely now become <2%

Ini mana ada improvement for me?

Really cunning......KDI play tricks like this..
makan big depositors vomit some out for smaller amount.

Ok proof here:
1day interest earned  is RM7.93

1st RM50k x 3.44%/365 = RM4.71
RM39798.22 x 2.95%/365 = RM3.22
Total = RM7.93

If above RM50k pays  3.0% total interest for  1 day should be RM7.98