Tuan, when will KDI opens after Chinese New Year holidays?

Because I want to withdraw some money from KDI and deposit to KWSP.

KDI is daily interest, FD once you break everything tarak.

KDI's more for funds you might need to use, FD is for money you know very unlikely you need in the medium term.

Both play different role.

follow bank working days

start 25 Jan, after Public Holidays

KDI as they pay you daily interest while bank pay you upon maturity. But difference is negligible. Of course if you taking about withdrawal early than you get your interest with KDI while you get nothing with bank FD.

KWSP is great, just that you need to wait till at least 50 before you can partially withdraw it

which bank that give 3.5%, bank if you withdraw before month end, interest is pro rated right for the balance?

Macam terbalik. FD is instant withdrawal. One click money reach account. KDI still need to wait for processing time. Emergency funds should prioritise liquidity instead than yield. You got emergency need money now you can wait 2 business days ke?

That’s why emergency fund is always need to be put inside the bank for a reason whether savings or FD 🤦‍♀️