Wah this is better than Versa, Stashaway and PMMF,
must join. hopefully that till end June meant promotional rate only if registered by then, not 3% rate ending. and the limit 200k is quite something for some meaningful return.

Just hope that it is not some unscrupulous setup after collecting all our money go close shop.....but when Ramjade is in, pretty sure it must have been thoroughly checked. so hantam lah.

you can see he is the first to detect why 3% rate tenure end June...and not 31.12.22
i know he is the type will look into details anything he is going to invest unlike me mostly just hantam follow hearsay

but when i made deposit just now T&C there said 3% end June 2022 ........

yeah much more efficient than Versa and Stashaway.

signed up Friday 1.30pm, acc approved Sat 5pm.

just opened another acc see how fast they can approve this

deposited 5.30pm just now,see how fast this can be in to earn interest.

now can see only 1 bank account allowed, should follow Versa/SA allow more for convenience

more time to get some pocket money

I deposited on Sat and Sun, today can see 1 day interest paid .

My 2nd acc opened Saturday 5.30pm, only approved 12.30pm Mon
Deposited money straight away, still pending, if this also earn 1 day interest later on tonight,
that means no point deposit on Sat or Sun,
might as well wait till Monday only deposit.





apa mahu takut masuk saja. any bad news WD la.



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Cant believe it, KDI deposit cut off time (for same day interest) is so early!
Deposit 8.19Am , get interest same day.
Deposit 12.37pm no interest, u only get it next day.

Deposit on Sat and Sun no benefit, no better than do it Monday early morning.

deposit Friday afternoon is be the worst ,
no interest for Fri,Sat Sun, only get interest come Monday.

ini one same day interest is abit of a farce...must dep very early..




how you got 2.97%?

i think is 3%-----------> N x3%/365 = 1 day interest
if you put 2.97% you can see amount not correct.

if get 0% return is considered bad already, mana boleh capital pun hilang
so many things in life we do we dont ask for guarantee.



PS:anybody experienced opening acc today and unable to get OTP on mobile phone? Change number still cant get OTP.


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yeah right tested cut off is 11am.

why u used 360 days as 1 year?


No lah, limit 3% upto 200 only, but for parking more i still ok ,
highest in the money market, think Versa also dont pay 2.25%




you would be surprised i have 4.85% FD

Money invested already is expected to earn daily interest, so yes we should get interest daily now onwards including PH.

I just checked and saw interest updated, surprised Sat evening also updated...

KDI support, 1 a m opening more accounts.....

yeah and u only get that from unbranded bank no PIDM etc, but who cares......

seems like it i see daily RM16.44 wont increase
i think no need the so called rotation ?WD all put back.
Just WD the interest enough when reach hundreds or thousand, need test and see it works.

but i am getting 5th account...will be there still no worry

yeah not simply can open..

if you can control them and their bank accounts may be......

i believe KDI is now flush with money hopefully can handle well for us.

yeah very important question. i will test it out in early Apr.
Withdraw small amount problem would not show up.


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WD RM100k yes that amount should tell us, if can get it easily, we feel more confident.

So far has anyone withdrawn RM100k or more and go the money without delay?

meanwhile enjoy the interest first...

deposit daily is not 50kmax, can be much more depends on how many bank accounts you have.
withdaw is like no limit, but must try then only can confirm.




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you havent done it, no answer u stay aside.

wait for people who done to share

i will withdraw for sure,small amount dont bother.
big must stretch to the end

no info i WD 30.3.22 confident can get money by 5.4.22

got info maybe can stretch till 4.4.22 get extra 1k

I monitored the daily increase in accumulated interest for 3 days and
found my calculated daily interest (200k x 3%/365)+ (>2000k x 2.25%/365)
is same as KDI daily increase in accumulated interest.

After withdrawal noticed reduced interest is more than expected
WD RM10k, today daily interest reduced by RM3.54
WD RM1k , today daily interest reduced by RM0.40

i WD RM10 000 8.30am today , received money in CIMB 7.30pm just now
RM10k out I expect today's daily interest reduced by RM0.62 (RM10k @2.25% pa)
RM2.92 as fee?

another acc i WD RM1000 @9.00am, received money in MBB 7.00pm
RM1000 out should reduce interest by RM 0.06, 34 sen ? fees


Anybody noticed that?

PS: Just redeposited back the 10k and 1k ,
tomorrow 5pm would know daily interest is back to pre-withdrawal amount or not.

This post has been edited by guy3288: Mar 15 2022, 12:30 AM

You check first la before simply blah give wrong info.

It is NOT FIFO

Withdraw anytime no problem, KDi dont eat you.

this info is first hand experience.


yeah i just noticed it, why KDI must cut interest
to put in Net deposit column pulak...

KDI anytime no need think.

depends on who u ask, if me i say hantam.


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Face palm right, left and centre too much


He may come face off next

Starting to make money now

2 of my accounts kena

Standard copy paste format, no need documents, just state amount and source eg from father.


Same problem my son, fiddled everywhere only found out name of bank account must add Encik to match exactly!

if you can lose money then mustthink twice if sure untung why not?
i reckon KDI save must have amassed lots of millions by now...

thatrefers to KDI invest only right?
for those with Bs, yes but Ms only still alot only DIY
hopefully KDI can earn our trust and respect...




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dont know u refer to same testing or not,i tested and yes nice refunded cash!


try post 512, is that your problem?
If yes worry not, just check your Net Deposit column.
your "loss" is credited there

of course if total balance reduced(after WD) , daily interest must also reduced- but must reduced ACCORDINGLY lah

the issue is the interest reduced is more than Accordingly.

Eg that day i WD RM10k, i expected interest for next day reduced by RM0.62,
but KDI reduced next day interest by RM3.54,

what happened to the RM2.92??

KDI sent it to "Nett Deposit"...
funny system.

Dont worry about the calculation, i can vouch that KDi calculate daily interest exactly as what we have expected.
it is daily compounding including your earned interest.

If your balance yesterday was X, and today b4 11am deposited Y, and your accumulated return Z
Today's interest would be (X+Y+Z) x3%/365
straight forward.

IINM you raised the issue as you felt KDi "claw back" some of your earned interest.
just go check your Net Deposit there, the money is there.

Mine the moment i saw my Nett Deposit XXXX2.92 i know that RM2.92 was not my own deposit, it must be
CR from the so called claw back interest. Go check yours.


First hand info here, it is daily compounding including earned interest.

your also first hand info or hearsay?

Note that my accumulated interest of RM2168.99 can only earn compounding interest of only 13sen,
dont expect to be able to see it with smaller amount.

Yeah, it baffles me why they rather go believe shit- stirrer...

Can't believe it .. why so much confusion over no compounded interest, how interest calculated ,
have doubt when withdraw , marketing trick etc...

Login your KDi save , see it for yourself, dont just listen to hearsay, dont just read
without understanding the points to the extent all you can see is only people arguing over few dollars and cents.
You are missing the forest for the trees.

You still insist no compound interest? let me show u.
Forget abt the base compounding gibberish.

Every deposit gets interest is biasa lah.
Compound means interest earn interest as well

It is hilarious that you could simply shoot interest should be RM0.1782 for me and that is proof there is no compounding
interest...

Do you even know my base deposits? If not how do you calculate?

If no compounding, my daily interest should be RM130.60
(200 x3%)+(1852 x2.25%)/365

But i am getting daily RM130.73, yesterday RM2168.99, today RM2299.72.

isn't that RM0.13 proof of compounding ?
(RM2168.99 x 2.25%)/365

This is not arguing about 13sen as if 13sen is so big. It is the big picture you must see, the product feature is being called into question, got compound interest or not, people asked?

KDI is not that bad
but arrogance n ignorance from some make it look bad

for those who are still blur blur, take home message
1)you get compounded interest daily
2)no penalty when you withdraw
3)Interest paid exactly as expected. 3% and then 2.25%




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Say what you mean and mean what you say ok? Dont twist and turn.

You just said compound only on deposits not inclusive of returns,
meaning compound not on returns, meaning returns/interest dont earn interest - This is wrong do you know?


Come see what you said above. Again you said interest not compounded- This is wrong again

After being confronted now you turn 180 degree and said the correct thing- ie interest is compounded
but you pretended like the above 2 WRONG posts from you never existed at all

Next you tried to say my calculation is wrong, who doesn't know 1st 200k interest is 16.4383
and next 100k is RM6.16438?

To calculate interest for RM2,054,299.74. it is as simple as Rm16.4383 +(1854299.74 x 2.25%)/365,

what difference can you get by adding RM6.16438 for every RM100k doing it over 18 x ??

And i dont understand how magika is saying you are right there and hinted my calculation might be wrong.

Just what do you guys mean by base compounded.

Interest compounded is what i say interest earn interest.

base compounded deposit is what? base earn interest?
putting all your deposits together is called base compounded deposits?
it is meaningless as far as interest earning part is concerned.
of course all deposits we put in must be paid interest!

i was going to give it a pass, taking good advice from fellow forumner, move on without answering

this guy incorrigible fact-twister, well known already.


but i give you the benefit of doubt, just assume you lack critical thinking and mathematical skills,
could not understand what he wrote (gibberish mostly),you agreed with him blindly, repeatedly.
(Worse,you also could not understand what i wrote, despite i say what i mean, and i mean what i say, no twisting! )


Can you tell me what is the main point @xander83 has been writing so far?
@xander83 's main point was - No daily compounding Interest,
do you agree with him?

Now i give you my data
you tell me what you said above is correct or not.


19.3.22 Nett Deposit RM2052k Returns RM1515.39
20.3.22 Nett Deposit RM2052k Returns RM1646.09
21.3.22 Nett Deposit RM2052k Returns RM1776.81
22.3.22 Nett Deposit RM2052k Returns RM1907.53
23.3.22 Nett Deposit RM2052k Returns RM2038.26
24.3.22 Nett Deposit RM2052k Returns RM2168.99
25.3.22 Nett Deposit RM2052k Returns RM2299.74
26.3.22 Nett Deposit RM2052k Returns RM

It is ridiculous to expect 1 day the daily interest can jump 13 sen from RM130.60 to RM130.73!
Not at my accumulated interest of only RM2299 now!


since we are at it, can you please explain what you were about to post there that can rebut my point
that Interest is daily compounded? please show with calculation


No! Daily interest doesnt increase so much RM0.08 sen a day.

There is already enough proof to tell you Interest is daily compounded (RM 13 sen paid for returns RM2168.99)
You dont need to see that RM0.008 sen earned by RM130.73