How to choose mutual funds to suit your investment needs

1.   Before investing in mutual funds, you should first know your investment goals and the level of risk you can accept.

      Example of Investment Goals

           •  Preparing for retirement by investing for the long term
           •  Preserving your capital in the short term

      Suggested Investment Terms
 
           •  Very short-term (not more than one year)
               Fund suggestions: Money Market Funds, Fixed Income Funds

           •  Short-term (not more than three years)
               Fund suggestions: Fixed Income Funds, Mixed Funds mainly investing in debt instruments

           •  Medium-term (3-5 years)
               Fund Suggestions: Equity Funds, Mixed Funds, or Mixed Funds mainly investing in stocks/equities

           •  Long-term (5 years and over)
               Fund suggestions: Equity Funds or Mixed Funds mainly investing in stocks/equities

       Acceptable Risk Level

       Complete a “Risk Profile” questionnaire to initially assess the level of risk you can accept.

2.  Study details and choose mutual funds that suit your investment needs

Factors for consideration include risk levels, investment terms, investment policy, dividend payment policy, tax benefits, and the management company.

3.  Use proper investment technique

For example: you can purchase investment units of mutual funds using the Dollar Cost Averaging (DCA) service* which deducts regular amounts from your deposit or credit card account.

*Conditions apply.

4.  Invest via convenient channels such as Bangkok Bank Mobile Banking, Bualuang iBanking



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