No, there is no investment lock-in period or penalties for investments in both KDI Invest and KDI Save. You may withdraw the funds from your account at any time.

Please take note that there is a minimum withdrawal amount. For KDI Save, the minimum withdrawal amount is RM10. For KDI Invest, the minimum withdrawal amount is RM100.

KDI recommends that investors to adopt a time horizon longer than one year for KDI Invest products. While you are able to withdraw your funds at any time, investors should allow at least a three-year time horizon to manage and ‘smooth out’ risk over various market cycles for optimal results.

We recommend KDI Save for those looking at shorter-term investment tenures of less than a year. KDI Save is a flexible, no-strings-attached alternative to term savings products like Fixed Deposits.

You earn a pro-rated daily interest rate which is reflected in the daily value gain of your KDI Save account.

No, KDI Save is not PIDM insured. Nonetheless, we carefully protect your KDI Save deposits by investing in very low risk assets.

No, Kenanga Digital Investing (KDI) does not charge any fees for account opening.

For KDI Save:
There are no management fees charged on your KDI Save portfolio regardless of the amount you invested. It’s absolutely FREE to invest in our KDI Save.

For KDI Invest:
There are no management fees charged to your KDI Invest portfolio when the portfolio value is no more than RM3,000.

If your KDI Invest portfolio value grows above RM3,000, management fees will be incurred and automatically deducted from your KDI Save portfolio. For example, your KDI Invest portfolio of RM2990 will not incur any charges; but if the value increases due to investment gains and/or top-ups and the value exceed RM3,000, management fees will be imposed.

Do note that any investment returns shown on your Kenanga Digital Investing (KDI) dashboard are the net value after initial returns are offset by fees and charges.

For detailed breakdown of your fees and charges, you may refer to your respective monthly statements. To retrieve your monthly statement, please refer to the steps below.

Login to Kenanga Digital Investing (KDI) > Select “My Account” > Select “My Statement” tab > Select “year” > Click on “View Statement” to download.

Alternatively, please refer to this question (Are there any charges for investing into KDI Invest?) for more details on charges.

For online deposits, it will take up to 1 to 2 working days for KDI Save to reflect the funds deposited from the daily cut-off time of 11 am every working day.

For KDI Invest it will take between 4 to 5 working days and kindly note that the daily cut-off time is 8 am every working day.

For offline deposits, it will take up to 3 to 4 working days for KDI Save to reflect the funds deposited from the daily cut-off time of 11 am every working day.

For KDI Invest it will be between 6 to 7 working days from the daily cut-off time which would be 8 am every working day.

The longer duration compared to online deposits is due to the added cheque clearance procedures.

Note that the moment you have made any deposits you will immediately receive an email confirming the submission of the deposit. Upon confirmation of the deposit, you will receive another email.