how long it takes for money to reflect in kdi save after deposit? forgot already..

deposited around 11pm ytd, till now no update.

got this email from them.

need to reply ka?



This post has been edited by Optizorb: Dec 20 2022, 06:20 AM

thanks for the info, will proceed to give basic answers.

they have to, else all just run back to fd.

fd now almost all 4%+ ady..

in fact i think 3.5% getting low already, meaning they should bump it up.

even go+ these past week hovering at 3.3%

some fd accrue the interest daily/monthly, and can withdraw the fd without burning the full interest right.. so can just withdraw the fd if allowed..

anyway my point was, even go+ already giving 3% to 3.3% the past month..

if kdi dont continue this so called "promo" rate of 3.5% and return back to normal rate of 3%. then who want to continue put in kdi..

000f

so go+ on par with kdi now..

but go+ got potential to go even higher. i can see it going to 3.5 to 3.6 in the following weeks.

which just proves my point earlier. kdi save is already "low" and that is promotional rate even.. if they dont at least continue it but return back to normal rate of 3% can say goodbye.

hope kdi will revise their rates soon.

have to keep in mind this is promotional rate effective until 31st of this month only.. come 1st jan which is just 1 more week, will go back down to 3%. and 1 more week only still no news from them whether got any revised promo or not.. if really nothing, i doubt that time you will be happy with the 3%..


dont get me wrong. kdi still good place to park money because they have higher limit of 50k for people like you and me, compared to go+ 9.5k only which is not sufficient for us.

but for people who have 10k only or lower, now go+ seems like the better choice. and go+ is better at liquidity cause can use for payments directly.

in fact if go+ keeps going up i myself will remove 9.5k from kdi save and put back into go+. i recently did the reverse of this and all-in kdi save cause decided didnt wantto use the money anytime soon, so keep into kdi better because its more secure and also can act as a forced savings. sometimes if left in go+ and hand itchy make impulse purchases.

anyway just wishful thinking, hope kdi will do another round of promotion and give better revised rates than current to keep up with competitors. because i really dont want to put back into go+ for reasons mentioned above

This post has been edited by Optizorb: Dec 24 2022, 12:26 PM

good spot.

looks like they just changed it then to "until further notice"

iirc, as recent as last week it was still showing until 31st dec when i was putting in money and the tnc pop up.

ok only on my side..

read 1 page back. it didnt end.

extended "till further notice"

This post has been edited by Optizorb: Dec 29 2022, 02:23 PM

btw is it possible to see daily earnings like in go+ where they tell you how much got credited daily?

and also, is the returns compounding with net deposit? like e.g if net deposit was 50k initially, then after 1 month gained rm141 returns. so have 50,141 in kdi save. is the interest still calculated on 50k or 50,141 ?

This post has been edited by Optizorb: Jan 3 2023, 05:38 PM

yeah thats the only thing stopping me from moving to versa. heard of the long in and out time..

how many days versa take? heard can take up to 7 days to withdraw?

considering to move my funds from kdi to hlb eFD 3 months @ 3.93% or maybe ambank 2 months @ 4.1% (not yet read TNC)

This post has been edited by Optizorb: Jan 6 2023, 02:37 PM

before 11am/12pm you get back same day at night around 9pm

no, never withdraw out before. was just giving the guy rough estimate. only heard before people said 11/12. but guess it is before 11am to be precise.

even go+ is 3.6~3.7% these days.

dammit if only their cap is higher than 9.5k

+1 to calling kenanga up to verify it..

at the very least you will find out its true or not and if it is not true, you can let kenanga know someone impersonating them to scam.. and also they will be aware one of their internal sold customer data too.

hmm?

im still getting compounded interest.

cause for every 10k, im getting 0.957 ringgit now..

checked exactly 1 month back, every 10k i was getting 0.953 then..

2 months back, every 10k i was getting 0.950..

for comparison at the beginning for every 10k, i got 0.943 only..

This post has been edited by Optizorb: May 18 2023, 10:38 PM

made partial withdrawal yesterday to put into fd..

withdraw @ 10.30am, money in bank acc at 7pm. very nice, very efficient.

This post has been edited by Optizorb: Jun 7 2023, 06:13 PM