Retirement Mutual Funds

The Funds provide you with a long-term savings plan for your retirement. Investments are tax deductible in accordance with the conditions of the Revenue Department.

Bualuang Money Market RMF

The Fund invests in government, financial institution and private sector debt instruments and/or domestic and overseas deposits.

Bualuang Fixed-Income RMF

The Fund invests in medium-to-long-term debt instruments, deposits or other securities/assets.

Bualuang Equity 25% RMF

The Fund invests in equities at any given time at not more than 25% of the NAV, and also in debt instruments, deposits or other securities/assets.

Bualuang Flexible RMF

The Fund invests in equity instruments, hybrid financial instruments, debt instruments and/or deposits with percentages from 0-100% of the NAV.

BCAP Global Target Date Retirement Mutual Fund

The Fund adjusts investment proportion in line with investors’ age range with a mixed investment policy by investing in onshore and offshore assets.

Bualuang Equity RMF

The Fund invests in equities both listed and non-listed on the SET with good fundamentals, averaging in an accounting year not less than 65% of the NAV.

Bualuang Infrastructure RMF

The Fund invests in equities of companies involved in Thailand infrastructure such as energy, communications, logistics, construction materials.

Bualuang Small-Mid Cap RMF

The Fund invests in equities of small-to- medium companies listed on the SET and/or MAI.

Bualuang Siriphol Corporate Governance RMF

The Fund invests in equities of companies with good governance, high market capitalization, consistent high liquidity, or a record of high and consistent dividends.

Bualuang Basic RMF

The Fund invests in domestic and overseas securities of companies related to the Four Requisites namely food, accommodation, clothing and medicine.

Bualuang Top-Ten RMF

The Fund invests in securities of listed companies with good fundamentals which the Fund Manager expects that they will have total returns in the top 10.

Bualuang ASEAN Equity RMF

The Fund invests in securities of companies listed on the stock markets of ASEAN countries and in other countries that have business operations related to ASEAN.

Bualuang Asia Equity RMF

The Fund only invests in the investment units of Invesco Funds - Invesco Asian Equity Fund (the MasterFund) Class C (AD) USD.

Bualuang India Mid Cap RMF

The Fund only invests in the investment units of Kotak Funds - India Midcap Fund (the Master Fund) which has an investment policy of investing in equities and equity-linked securities of mid-capitalization companies registered in India.

Bualuang China A-Shares Equity RMF

The Fund invests in the investment units of Allianz China A-Shares (the Master Fund), which invests primarily in China A-Shares equity markets of the People’s Republic of China.

Bualuang Global Equity RMF

The Fund only invests in the investment units of Wellington Global Opportunities Equity Fund (the Master Fund) which has an investment policy of investing in equities and other securities of companies worldwide.

Bualuang Global Health Care RMF

The Fund only invests in the investment units of Wellington Global Health Care Equity Fund (the Master Fund) which has an investment policy of investing in equities of companies in the health care industry worldwide.

Bualuang Global Innovation & Technology RMF

The Fund only invests in the investment units of Fidelity Funds - Global Technology Fund (the Master Fund) Class Y-ACC-USD.

Bualuang Gold RMF

The Fund only invests in the investment units of SPDR Gold Trust (the Master Fund) which has an investment policy of investing in gold bullion.

Bualuang Infrastructure and Real Estate Fund of Funds RMF

The Fund invests in the investment units of domestic and international property funds, REITs, infrastructure funds and/or ETFs that invest in property funds, REITs or infrastructure funds.

Additional Information

Tax Benefits for RMF
  • Investments made from January 1, 2020

    You can claim the actual amount of your RMF investment for a tax deduction of not more than 30% of your taxable income and not more than 500,000 baht in total for that tax year. The tax deduction covers investments in RMF, Super Savings Fund (SSF), provident funds, government pension funds, private teacher aid fund contributions, national savings fund and annuity insurance premiums.

  • Investments made before December 31, 2019

    You can claim the actual amount of your RMF investment for a tax deduction of not more than 15% of your taxable income and not more than 500,000 baht in total for that tax year. The tax deduction covers investments in RMF, provident funds, government pension funds, private teacher aid fund contributions, national savings fund and annuity insurance premiums.
Investment Conditions for RMF
  • Annual investment is required until the investor is 55 years old without a minimum investment amount required. Investments made before January 1, 2020 had a required minimum investment amount of at least 3% of your taxable income for any individual tax year or 5,000 baht, whichever amount is lower. However, a grace period of one year is acceptable or in the years that the investor has no income.
  • Investment of RMF must be held continuously for 5 or more years from the first date of investment (counting from the first investment date to the anniversary date) and can be redeemed when the investor is at least 55 years old. Investments made before March 1, 2008 can be redeemed on or after the date of the 5-year anniversary of the first investment (counting from the first investment date to the anniversary date).
Breaches of RMF Investment Conditions
  1. In the case that investments held for less than 5 years from the first date of investment (counting from the first investment date to the anniversary date), conditions are breached. Investors are required to:
    • Return the entire amount of the relevant tax exemptions to the Revenue Department
    • If there are capital gains incurred from redemption, investors are required to:
      -  Pay withholding taxes according to the Revenue Code Section 50(2) calculated according to their tax rates
      -  Incorporate the capital gains incurred from redemption as a taxable income 

     

  2. For investments held for 5 or more years from the first date of investment (counting from the first investment date to the anniversary date) and with no grace period for more than one year regarding the minimum investment, redemption made before the age of 55 (does not apply to investments made before March 1, 2008). Investors are required to:
    • Return the entire amount of the relevant tax exemption received for the past 5 calendar years to the Revenue Department (starting from the year prior to the one when conditions were breached)
    • File a tax deduction repayment to the Revenue Department by the end of March, in the year following the breach of conditions. If there is a delay in repayment, investors will need to pay a surcharge at the monthly rate of 1.5% on the exempted tax amount.

 

Breaches of investment conditions 1 to 2 are not applicable in the event of death or disability of the investor, in accordance with the conditions of the Revenue Department.

Notes

  • Investments are not deposits and carry the risk that investors may not receive their money back in full when the investment is redeemed (the principal is not guaranteed).
  • Investors are strongly advised to study the product characteristics including the prospectus, fund policy, returns conditions, risks, fund performance, and tax benefits in the RMF handbook before deciding to invest.
  • The off-shore investment funds have no currency risk-protection policy for most, if not all, of their value. The currency risk policy is at the discretion of the management company. Investors may experience currency losses or profits, or receive a return less than their initial investment.



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