Need to give it few years to see growth. KDI invest choices so far solid. Below RM3k no fees charged so how also you gained.

missed the 11am cut-off and since today is Friday, just to confirm that it will be better to transfer on Monday before 11am right?

Good expectation and mindset for investment, have a long term horizon. But imagine this, assume yearly 10%, 5 years compounded total return 61.05%

Your investment of 1k will grow to 1.61k, will that additional RM 610 makes any big difference to your life? If yes, go on.

If not, then you should consider set aside a fix amount and invest periodically (weekly best, else monthly), with that you will get a more meaningful amount for your future self.

Ah, what I mean is, KDI Invest don't really offer anything attractive or unique to a person with international brokerage access. But it remains a good alternative to those who aren't willing to DIY.

Currently, KDI Invest's aggressive portfolio consist of ~65% $VT (Vanguard Total World Index) and the rest a mix of BNDX (Aggregate bond), CASH, and a sprinkle of miscellaneous ETF like QQQ and SPY.

Functionally, it's literally just a mix of VT (Total World Equities), BNDX (World Aggregate Bond), and CASH.

Such a simple portfolio can further be simplified by dropping BNDX (young people usually opt to not add Bond to portfolios until latter in investing life, or use EPF/ASNB/SSPN as pseudo bonds).

Thus, its a 1-fund portfolio consist of VT. Most brokerage charge very little commissions (free or 0.35 US cents) on US etfs, and the ongoing charges for holding VT is only 0.07%.

So to grossly simplify it, if VT returns 7% a year - you get 6.93% of the return. You get only 6.3% of the return if investing through KDI. (~10% less). This will greatly affect your compounding - and hurts a lot when market is sideways for a very long time.

Furthermore, VT's non-US alternative, VWRA, only pay 15% withholding tax instead of VT's 30% - that's another 0.5% different in annual returns.

So it doesn't actually take too much capital to quickly outperform KDI Invest or any roboadvisor investing in basically the same thing, but earn more simply you are paying less fees.

TL:DR: fees bad, KDI Invest no offer anything unique