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Investment Kenanga Digital Investing (KDI), KDI Invest, KDI Save

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ericlaiys
post Feb 23 2022, 07:00 PM

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i thought kdi invest is 0% for less than 3k investment.
I deposit RM500. On app, only show RM 492
ericlaiys
post Feb 24 2022, 11:10 AM

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QUOTE(xander83 @ Feb 24 2022, 08:38 AM)
Anything less than 3000 still 0 fees but FX spread 2% every time you deposit you won’t get full rm amount

So you need to check your portfolio in USD to see the ETF being bought at your monthly statement
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here is their response
The charges are zero management fees for anything that is RM3000 and below.
For KDI Invest, there is still charges for expense ratio and fees conversion costs involved. Kindly also note that returns for KDI invest may dip due to fund performances of your selected risk profile's ETF portfolio.
You will be able to see the breakdown of charges in your monthly report that would be emailed to your registered email address
ericlaiys
post Feb 26 2022, 09:01 AM

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QUOTE(lovelyuser @ Feb 25 2022, 10:17 PM)
Where can get normal FD rate at 2.25% ??  biggrin.gif  I also want!

Confirm no where can get better than KDI Save, 3%pa compound daily, same working day withdrawal, safe MM instrument...If you got better, let me know ya, hahahaha  drool.gif
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got....HLB FD promo till 28 Feb .2.25% for 3 month
ericlaiys
post Mar 1 2022, 08:54 AM

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got statement today. Great listing ETF and breakdown
ericlaiys
post Mar 2 2022, 12:31 PM

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QUOTE(_kilakila_ @ Mar 2 2022, 12:10 PM)
Deposited yesterday to both save and invest but still pending in my account. I didn’t use credit card for top up though, normal fpx m2u. Weird.
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normally mine - deposit before 11. commit in the afternoon, after 6pm
ericlaiys
post Mar 3 2022, 02:58 PM

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QUOTE(mystvearn @ Mar 3 2022, 10:53 AM)
Same here. I just contacted them. A lot of people have requested this, but they are still not providing it. There are few competitors in ETF's especially by banking sector. They too breakdown the details of where your money is deposited if you ask them details not provided in the brochure.

KDI save only pays 3% per annum prorate. Depending if you have like Amanah Saham (even not the Bumiputra), will still give higher rates. Hellogold can give goo returns too, if you are the patient type.
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hellogold selling fee gap to huge.
ericlaiys
post Mar 3 2022, 02:59 PM

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will kdi save return commit and add to your current value. I dont think the return is added into your existing investment
ericlaiys
post Mar 3 2022, 03:59 PM

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QUOTE(Pewufod @ Mar 3 2022, 03:57 PM)
might need to perform rotation then
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what do u mean rotation? dont tell me withdraw all and transfer back again.
ericlaiys
post Mar 3 2022, 04:49 PM

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QUOTE(tehoice @ Mar 3 2022, 04:49 PM)
Sorry, just checking, how do you change? from conservative to balanced portfolio?
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u sell all. then change
ericlaiys
post Mar 4 2022, 06:49 PM

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QUOTE(lovelyuser @ Mar 4 2022, 04:50 PM)
Hand itchy and found something interesting....

Yesterday did a additional deposit of 20k into KDI Save, and I selected my cc as payment, the transaction rejected after keyin OTP

Just now found that there's extra 20k in my personal bank savings account registered with KDI, stated refund from PACIFIC TRUSTEES BERHAD
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rich liao....beware of acc frozen like cimb case...lol
ericlaiys
post Mar 8 2022, 12:36 PM

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QUOTE(bcombat @ Mar 8 2022, 09:36 AM)
just do a testing to withdrawal….

withdraw same sum from both KDI save and KDI invest on 2/3

Already received fund 3/3 in my bank acc next day for KDI save

But I only get refund on 7/3 for money parked under KDI invest and it is not exact amount I requested earlier …. slightly less than my I requested
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got fees on fx
ericlaiys
post Mar 8 2022, 06:35 PM

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QUOTE(Davidtcf @ Mar 8 2022, 04:11 PM)
KDI Save great to use.. 3% earned on daily basis. Fast deposit and withdrawal also.
Next year nobody knows what rate they will offer.. need to be Oracle only can know  tongue.gif
No fees.. they profit by rolling your money around liao. More money u put in in some ways they can earn. Win- win for both sides.
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true. why worry next year.
sound silly. people earned 3% but people go and pit in 2.4%....lol
ericlaiys
post Mar 8 2022, 06:37 PM

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i put in 500 for kdi invest. past few days can see profit and loss. now value 486. return zero. will wait few days, may be due to i change balance to growth and ai doing adjustment
ericlaiys
post Mar 9 2022, 11:40 PM

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took 3 days to change risk profile for KDI invest. (Balance -> Growth)
ericlaiys
post Mar 15 2022, 07:59 PM

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QUOTE(LetsGooooo @ Mar 15 2022, 05:10 PM)
Hi guys, is it wise to transfer in all my funds from versa into kdi save as kdi save gives out guaranteed 3% until end of the year whereas versa only provides "projected" 2.46%.

Or would you guys prefer to split out some to versa to diversified the risks (although it may be low risks).

Do you guys think that since the difference in both interest rates are minimal, it might be a waste of time and potential interests earned in versa for having to wait for withdrawal from versa and then make placement into kdi save.

Would love to hear from you guys  thumbsup.gif
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70% on KDI
30% on versa
dont put all in one basket. dont forget , both are NOT protected by PIDM
ericlaiys
post Mar 19 2022, 08:32 PM

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QUOTE(BooYa @ Mar 19 2022, 07:56 PM)
Wow. KDI Invest starting to have positive return within few days. Power la this AI tongue.gif
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wait till market crash...then u blame AI lousy....lol
ericlaiys
post Mar 19 2022, 08:40 PM

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QUOTE(Ancient-XinG- @ Mar 19 2022, 08:33 PM)
Anyways to see the selected ETF ?
Under which section
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under statement. U can see your 1st of the month statement
ericlaiys
post Mar 25 2022, 10:20 AM

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QUOTE(Sheng890624 @ Mar 25 2022, 10:10 AM)
Majority all have move from Versa to KDI Save for better & attractive return (for this year only).

Yea, is happy to see the return grow daily  rclxms.gif
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but it is not compounded. so in the long run, it is no good. it will be like FD which you put for lock in 9 month. different here is no lock down
Now I have doubt if we can get those mentioned return when we withdraw all now. Sometimes, it is marketing to trick you that you earn a lot of interest but may not be the case when withdraw now

This post has been edited by ericlaiys: Mar 25 2022, 10:22 AM
ericlaiys
post Mar 25 2022, 09:55 PM

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I just do withdrawal. The return amount reduce and put into my net deposit..
ericlaiys
post Mar 28 2022, 02:29 PM

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everyone please dont answer those question that have been discussed for few days. kindly refer to previous thread rather than post same question everyday

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