Investment Kenanga Digital Investing (KDI), KDI Invest, KDI Save
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 Apr 6 2022, 06:16 PM
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#1
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Senior Member
5,476 posts Joined: Feb 2009 
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Guys, I am new to investing in general. I just invested RM 500 into KDI Invest. My risk profile is currently set as "Balanced". From what I understand, KDI Invest basically buying a combination of ETFs depending on client's risk profile. I have a question about investing amount. When I tried to see how many unit my invested amount consist of, there is no info about this. May I know if I misunderstood about KDI Invest?
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Jul 3 2025, 05:32 PM
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#2
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Senior Member
5,476 posts Joined: Feb 2009
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I have a question about KDI Save. I thought the first 50k will will be tier 1 which is 4% however, all of my fund are considered tier 1 now even though it had surpassed 50k.
  I am not sure if this is just a UI glitch but my monthly statement is still regard all my fund as tier 1 |
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Jul 3 2025, 10:02 PM
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#3
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Senior Member
5,476 posts Joined: Feb 2009
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QUOTE(Takudan @ Jul 3 2025, 09:07 PM) Interesting, I had never looked into my statement until I saw yours. I see similar discrepancy where I have an excess of 1.8k in tier 1, and the rest in tier 2. Daily interest is 3.922% PA. When I tried to deposit fund, apparent the app said 3756 of the new deposit will fall under EAR 4%. I don't know if the interest is accurately reflected based on these excess... Did you happen to verify that you're still getting 3.91~3.92%* interest rate, accrued daily? (*I forgot exact number)   Let see how much interest I am getting tomorrow Takudan liked this post
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Jul 4 2025, 05:01 PM
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#4
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Senior Member
5,476 posts Joined: Feb 2009
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I just calculated my return, apparently all of my fund are considered tier 1. I think I will deposit another 3756 so to maximise it
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Jul 4 2025, 11:09 PM
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#5
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Senior Member
5,476 posts Joined: Feb 2009
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QUOTE(Confession @ Jul 4 2025, 10:25 PM) meaning the tier we getting is based on total net deposit and not total current value? am i right? It looks like it...for now GregPG01 liked this post
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Jul 13 2025, 11:24 PM
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#6
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Senior Member
5,476 posts Joined: Feb 2009
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Return also accounted for interest.
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Jul 14 2025, 09:21 AM
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#7
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Senior Member
5,476 posts Joined: Feb 2009
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QUOTE(p4n6 @ Jul 14 2025, 07:04 AM) You sure? I calculated it doesn’t though. I am sure. I attached my fund value. I will update again after I received the interest.Return does not account for Tier but has interest? Then the interest is based on which Tier if cross tier? And i observe the daily return remains the same over 1+ year, this should not be the case if return reinvested.  Update:  Return is accounted for the interest received. This post has been edited by Fantasia: Jul 14 2025, 04:20 PM |
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Jul 15 2025, 07:00 AM
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#8
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Senior Member
5,476 posts Joined: Feb 2009
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QUOTE(p4n6 @ Jul 15 2025, 06:11 AM) Question: Let say i put RM50k, after years, now return 5k, total is 55k now. Yes which is roughly 54 cents. At least for my case.50k Tier 1 = 4% I know the 5k return is not in Tier 2. If there is compounding, what is the interest on the 5k? Also 4%? |
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