Super Savings Funds

The Funds provide a long-term savings plan and offer tax benefits in accordance with conditions of the Revenue Department.

Bualuang Income Super Savings Fund

The Fund only invests in the investment units of Bualuang Income Fund (the Master Fund), averaged in an accounting year not less than 80% of the NAV.

Bualuang Mixed 70/30 Super Savings Fund

The Fund invests in listed securities on the Stock Exchange of Thailand (SET) and/or the Market for Alternative Investment (mai), with averaged in an accounting year not less than 65% but not more than 70% of the NAV.

Bualuang Thai Equity Super Savings Fund

The Fund invests in listed securities on the Stock Exchange of Thailand (SET) and/or the Market for Alternative Investment (mai), averaged in an accounting year not less than 80% of the NAV.

Bualuang China Equity Super Savings Fund

The Fund invests in investment units of Bualuang China Equity Fund (the Master Fund) focusing its investments in equities issued by Chinese companies established in or with business in China.

Bualuang Future Equity Super Savings Fund

The Fund only invests in the investment units of Bualuang Future Generation Equity Fund (the Master Fund), averaged in an accounting year not less than 80% of the NAV.

Bualuang Global Thematic Opportunities Super Savings Fund

The Fund invests in investment units of Wellington Global Innovation Fund (the Master Fund) focusing its investments in drivers or beneficiaries of innovation in industries and businesses worldwide.

BCAP Global Wealth Super Saving Fund

The Fund diversifies investments in both domestic and overseas assets.

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Additional Information

Tax Benefits for SSF
  • Investment between April 1, 2020 - June 30, 2020

    You can claim the actual amount of your SSF investment for a tax deduction of not more than 200,000 baht (special additional investment) in total. This investment will not be combined with investments in Retirement Mutual Funds (RMF), Super Savings Funds (SSF) during the regular time, provident funds, government pension funds, private teacher aid fund contributions, national savings funds and annuity insurance premiums.

  • Investment between July 1, 2020 - December 31, 2024

    You can claim the actual amount of your SSF investment for a tax deduction of not more than 30% of your taxable income and not more than 200,000 baht in total for that tax year. The tax deduction must not be more than 500,000 baht when combined with investments in Retirement Mutual Funds (RMF), provident funds, government pension funds, private teacher aid fund contributions, national savings funds and annuity insurance premiums.
Investment Conditions for SSF
  • An investment of SSF must be held continuously for 10 or more years from the first date of investment (counting from the first investment date to the anniversary date), but not applicable in the event of disability or death of the investor.
  • Redemption of the investment unit is on a First In, First Out (FIFO) basis.
  • An investment of SSF can a claim tax deduction only in the year an investor invests in SSF.

If in breach of SSF investment conditions, investors must follow regulations stated in the SSF handbook.
In the case that the investment exceeds tax privileges
  • Investments that exceed tax privileges are not eligible for tax deductions.
  • Capital gains incurred from redemption of the investment which exceed tax privileges must be incorporated into other income as taxable income.
In the case that the tax privilege was acquired, and the investor breached conditions
The investor is required to:

  1. Pay income tax for the tax year during which the investment was deducted from income tax for exemption.
  2. Pay a surcharge to the Revenue Department at the monthly rate of 1.5% on the exempted tax amount, but not more than the tax payable amount. The period designated to pay the surcharge will be after the last day of tax filing or remittance period of the year during which investor applied for tax exemption until the date of payment or remittance of additional taxes. It is suggested that the investor should pay as soon as possible.
  3. If there are capital gains incurred from redemption,
  • Pay withholding taxes according to the Revenue Code Section 50(2) calculated according to relevant tax rates
  • Incorporate the capital gains incurred from redemption as a taxable income

Breaches of investment conditions 1 to 3 are not applicable in the event of death or disability of the investor in accordance with conditions of the Revenue Department.

In this regard, investors must comply with the regulations stated in the SSF handbook.
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 SSF 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.
  • English provided for information purposes only. Any action taken must be guided by the Thai text.

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