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

Their AI algorithm is the one deciding it. Once market recovers will see more in the usual equity etf.

Good mah if not so much red. You prefer seeing more negatives?

afraid kenaga buy back too late (to time the market you have to be right twice, once on exit, 2nd on reentry), then end up underperforming HODL