It's also worth nothing that $VT, the backbone of the aggressive KDI Invest portfolio has an expense ratio of 0.07% on top of 0.2% FX charges. It's one thing to start out small and test the waters, but I won't recommend anyone to pay 0.7% annual fees to buy a 0.07% expense ratio ETF if investing for long term anyway.

DIY only you cost you 0.35usd per trade instead of paying usd7 yearly for everybody usd1000 

It'll depend on your capital, your investment interval, and how much you plan to deposit each time. It goes something like this:

1. 0 lump sum capital, plan to put in 200 or so a month build investing habit: Stashaway, KDI Invest is fine.

2. 500-1000 a month, prefer monthly DCA to better capture up and downs of the market - IBKR and buy $VT, accept paying 15% more WHT for cheaper trading fees. Move to Ireland domiciled &VWRA in the future when withholding tax drag is bigger than trade commission cost.

3. ~2500-3000++ a month, or willing to invest quarterly (save up to 3000-5000+ then one shot invest every 3-4 months): $VWRA on IBKR.

Fees for reference:

Wise forex MYR -> USD is about 0.5% forex charge
IBKR forex: 2USD fixed, spot rate.
IBKR US stocks : 0.35USD
IBKR Ireland domiciled USD denominated stocks: 1.70USD
$VT Expense Ratio: 0.07% annually
$VWRA Expense Ratio:  0.22% annually