The Bualuang Money Market Retirement Mutual Fund's policy is to invest in debt instruments of government and financial institutions, and/or private companies with strong fundamentals, and/or deposits in Thailand or outside.

The Bualuang Money Market Retirement Mutual Fund invests in long-term debt instruments with credit ratings in the top three tiers as assessed by national or international credit rating agencies for the instruments and/or issuer, guarantor, aval provider, or endorser. The fund also invests in short-term debt instruments with credit ratings in the top two tiers as assessed by national or international credit rating agencies for the instruments and/or issuer, guarantor, aval provider, or endorser.

In addition, the Bualuang Money Market Retirement Mutual Fund may also enter into derivative contracts for the specific purpose of hedging risks related to prices of instruments, and/or interest rates, and/or currency exchange rates. The fund may be fully hedged against the currency exchange rates, and may also invest in structured notes pursuant to the criteria approved by the SEC.

When investing in debt instruments, doing financial transactions, and/or allocating capital in deposit accounts including securities or other profit generating assets with maturity periods of not more than one year from the investment dates, the fund will maintain the Weighted Average Maturity (WAM) of the instruments and financial transactions (including deposits) of not more than 180 days on average, while taking into account the stability and rate of return of the instruments.