Your daily interest earned from KDI Save will be calculated based on the higher of your Net Deposit amount or Current Value of your KDI Invest account.
The below two scenarios illustrate how this works for Tier 1 eligibility:
Scenario 1:
If you deposited at least RM5,000 into KDI Invest account, you will continue to enjoy daily returns of up to 3.88% p.a. (Tier 1) on your KDI Save.
This remains unchanged even if the current value of your KDI Invest account is below RM5,000 due to market movements, as your eligibility is based on your deposited amounts.
Scenario 2:
If your net deposit is below RM5,000 but due to price appreciation, your portfolio Current Value exceeds RM5,000, you are also eligible to enjoy daily returns of up to 3.88% p.a. (Tier 1) on your KDI Save.
However, should your portfolio value fall below RM5,000 due to market fluctuations, you would not be eligible for the Tier 1 promotional rate while your portfolio value or net deposit remains below RM5,000.