You should use a referral code as each party gets free RM10 within 30 days if you put rm250 in KDI Invest

https://app.digitalinvesting.com.my/registr...ral_code=104898

Wow, you really read all the threats, kudos!

If you don't want to run into inheritance issue, just but Singapore reits and stock. Sg don't have any inheritance issue. Only issue is they only have reits and banks there. Nothing much of quality there.

Their AI seems to be switching/buy-sell the ETF allocation a lot, not sure if it is a good thing to be made transparent to customers, we can just entrust on their AI, and review monthly

if every switch/buy-sell is made visible to us, bet it will be StashAway, investor just keep questioning on every transaction made by the robo

all robo advisors will use US etf, hence by default all dividends are charged 30% tax. The amount you receive is after tax.

no estate tax if we use robo advisors since the companies like Stashaway are the custodian.. they using their account to buy ETFs on behalf of us. Also if you read the page on Stashaway your investments is safe even if they go bankrupt: https://www.stashaway.my/help-center/360009...s-my-money-kept
KDI also same, under Saxo: https://digitalinvesting.com.my/faq/ (read under Security and Protection section> "What happens to my investments if Kenanga Digital Investing (KDI) closes down, gets acquired/goes public?")

If you self invest in US stocks or ETFs, estate tax only applies if you have USD60k and above in brokers like IBKR. Some people workaround this by sharing their login and passwords with their loved ones (as long you don't get caught).

If wanna self invest and avoid estate tax, then invest into Irish Domiciled ETFs e.g. VWRA, VUAA, CSPX, etc (these are similar to US etfs but are for European or non US people to invest in - they will have the word "UCITS" in their ETF name). They also charge lower dividend tax at 15%. Why robo advisors don't invest in them? Their excuse is liquidity. I am guessing it's due to higher fees involve when buying them too. 

whether KDI will help us claim back withholding tax you can send a chat inquiry to KDI via their site.. I think got people here ask before. But so far from most people who use Invest the performance is better than Stashaway.
Yes 0.3 to 0.7% is their management fees depending on the amount you invest in KDI Invest. All robo advisors got this fee. You can try below RM3k if wanna avoid this fee.
If hate this fee, I suggest self invest using IBKR.. but using that you'll need to pay Wise transfer fee also.. And also currency conversion fees. However they are 1 off. Also need to learn more on how to do them. You can check Ziet Invest youtube video on how to open SG CIMB account, using Wise transfer to IBKR.. all in his videos.

Look like all profit? This is better than stashaway?
How can you choose? You study a lot or just blind tick then rely lucky?
you own 5 accounts? Each account below RM3k no need pay fees? so you frequency sale and buy?

I remember not matter below RM3K no need pay fees, but when you deposit RM250 system will deducted some money?
If you sale will deducted again?

Thank you.

StashAway? See lah already 1 year now..paper loss RM3500,
Had i put that SA money in KDI invest , now gain RM7000+ goyang kaki 6 months only

how to choose ? u can add money when market down,
so far i dont sell any KDI Invest yet.
yeah 5 accounts means RM15k no fee ,
but 5 accs were opened more for that promo kdisave 3%
if you read  can see is not 1 account.
5 separate accounts,
market value for each of them on same day -13.8.2022
1 year SA kalah teruk to 6 months KDI Invest...Regret didnt WD all out from SA.

Thanks others reply, but I no mood and so on, today just choose to ask.

All is "growth" groups, but different returns.
The higher is RM 115.32 and RM 151.42.
Why this "2" growth can more profit, normally how to choose can get more profit?

No matter you want "aggressive growth", but the profit not mean aggressive growth".

When deposit in invest account, you estimate RM1000 - 0.1%? and withdraw also estimate - 0.1%?

Now, you consider move all stashaway go to kdi invest?

How you know market go down or go high? This also dairy different price? You want buy low sale high concept?

Thank you.

KDI started this year only, if u want to compare, you need to start with RM100 in SA and RM100 in KDI on the same start date. There's a bear market after Jan so KDI will have a better starting point



chart compiled from fiholicMD's experiment -> https://twitter.com/fiholicMD/status/1531111914096340993

got data, but no one is showing the performance in a chart format (or maybe KDI invest doesn't have that), so i'm just like you, only have KDI save

Only 1 month...

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

if OPR continue to raise, 3% might not be attracting anymore next year

yeah, in fact now other competitors e.g. TnG GoInvest claiming they are close to 3% already with 2.85%*p.a. returns. hope KID don't disappoint us after the revision

Cause like I told you in the pm, everything can be done online and yet you still want to ask your RM to do for you.

I want to see how well their superapp going or be especially polish apples like moomoo, tiger, webull and go trade in sg exist.

Yet they cannot even handle their registration system for more then 2 months.

Maybe they dun want new customers and this is their strategy.

But why they cannot just say they are not accepting new customers at the moment? Or that new customers cannot use KDI save,

Thx for letting me know. But this promo until end of the year. Hai