Actually got. If bank account giving only say 1.5% and mmf giving 2.5%, no brainer to continue using mmf.

I have not used bank acocunt for like 10years already. All extra money dump into mmf until amount big enough to be send overseas.

sometimes it feels so tiring to be so petty on that 1 day.

or maybe i'm poor enough to notice the difference and how it will impact me.

Why would they leak an internal error message like that? That's just unsafe practice.

Ok this makes sense.. thanks
If they still didn't update their interest by the end of this year, I will have to look for the alternative
Although now most banks have updated the FD interest, but KDI Save rate remains competitive and relatively hassle-free.

It required min RM250 to be reserved in Invest account, which makes me quite concern about this...   

If OPR continue to raise, kdi should also raise. The point of kdi is to beat or equal FD rates but more flexibility. If they are lower than FD then they will lose ppl. Hope we getting better and better rates :X

let see if they gonna up, with OPR up other MMF gonna be 3, KDI no longers appealing, they could expect huge capital outflow if dont up soon

so fast i belum puas play ...
not abuse la.. it is win win win for all
only if you know ......
KDi used bank's money 25 days,
i used 25 days ......
bank happy  gave me another 12 month@0%
money drop from sky takkan nak reject..

i think he mean spam KDI with CC to get CC point 

I switch to aggressive growth and try 1 month, rugi 80%keep going down.i cut lost , switch conservative now untung 20%😁
The robot no switch fund ? 🤔

mine still green but ya paper profits dropped a bit.
now suddenly bear market la.. maybe the robo fail to respond in time, fall too fast wei.

Yesterday the moment CPI report stated that figure, terus many people sell off like mad. If you human wanna sell also gonna be hard.

if invest in long term then chill, up and downs are normal. January to April this year was when stock prices fall a lot, as of now should not repeat it again since stock prices already at bottom + factored in rising interest rates.

recommend small amounts ya.. safer to DCA than big lump sum..
example DCA few hundred this month,
next month DCA few hundred again,
and so forth.

If got more money to invest then can increase the numbers.
Now uncertain times in the stock market..

Normal process

U withdrawl after the cut off time of 11am.
So, will receive notification at around 4pm to 5pm on the successful withdrawal.
Money will be in at night time, normally range from 8pm to 11pm (depending on which IBG batch)

The only way interest rate is trending is upwards (at least for the next 9-12 months minimum). Interest rates are very unlikely to come down in the next 24 months. Trend is higher interest rates will stay up for a very long time. The days of super low interest rate is over.

BNM has no choice but to take rates up otherwise the ringgit will suffer even more. BNM is super careful not to raise rates too fast/high otherwise the economy will tank further. Now whether BNM prioritize interest rates vs ringgit value is anyone's guess - how far/fast will BNM go?

regulated by the Securities Commission Malaysia, is Securities Commission Malaysia trustworthy to you? 

ic okok.. my bad then.. yea at their site stated "net" also: https://versa.com.my/versa-cash-3-2-net-ret...rate-promotion/

means really 4% is ours to keep. 
don't need to think then.. straight switch to Versa on 1st November

give it a trial , i just  deposited RM29k+ top up my Versa Cash to make in near RM30k

in terms of speed of deposit and withdrawal, Versa  cant fight KDI
interest calculation also cant fight KDi's very transparent interest that can easily be  checked.

Now the most important thing is
1)how fast deposited money is captured and starts earning interest in Versa and
2)how fast  we get back after  click withdrawal in Versa

Assuming deposit in  lose 2-3 days, withdrawal out lose 2-3 days compared to KDI
total loss days = 6,

Versa offering 4% first RM30k also cant  beat KDI 3.5%

Transfer from your 1st RM30k from KDI to Versa, you rugi

extra earned from RM30k x 0.5% in 30D =RM12.33
6Days  loss of interest in KDI =RM30k x 3.49% x6/365 =RM17.21

Even if you have RM80k in KDI and you transfer the excess RM30k out to Versa still rugi
as you sacrifice RM14.74 for 6 days interest loss.

So Versa you wanna beat KDI 3.5% make sure you dont take too long, max in and out total 4 days still can consider
if 6 days sorry lah no point we move out from KDi
may not be applicable , in any case the difference is tiny, insignificant