BIZ- Mutual Fund Accounts

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1. Mutual Fund Accounts
1.1 How do I view my mutual fund accounts statement details?
1.2 How are capital gains or losses of mutual funds in the Mutual Fund Accounts page calculated?
 
2. My Risk Profile
2.1 What is the purpose of a Personal Risk Profile self-assessment?
2.2 How do I conduct my Personal Risk Profile self-assessment?
2.3 Personal Risk Profile assessment results table
2.4 Which funds suit my risk profile?

3. Buy Order
3.1 How do I buy mutual fund units?

4. Sell Order
4.1 How do I sell mutual fund units?

5. Order History
5.1 How do I view my buy or sell order history via BIZ iBanking?

6. Approval of Order
6.1 What is “Approve of Order”?

7. Approval Steps
7.1 What is “Approval Steps”?

8. Approval Status Checking
8.1 What is “Approval Status Checking”?


1. Mutual Fund Accounts

You can view mutual fund account statements and make buy or sell orders via BIZ iBanking for your open-end funds if your unit holder numbers start with 888.

[#1]1.1 How do I view my mutual fund accounts statement details?

1.1.1) Go to My Accounts page, select “Unit Holder Number” or to the Investments page and you will see “Mutual Fund Disclaimer”
1.1.2) After clicking Accept, the system will display your mutual fund account information
1.1.3) You can click on Unit Holder Numbers to view mutual fund account information
1.1.4) On the Mutual Fund Accounts page, select “Mutual Fund Account’s Name”. The system will display your most recent 15 transactions in the selected mutual fund. You can also see the older transactions from the beginning of your investment up to one year.

[#2]1.2 How are capital gains or losses of mutual fund in the Mutual Fund Accounts page calculated?

Capital Gain/Loss (Baht) = (Current Outstanding Units × Current NAV) - Fund Investment Cost


2. My Risk Profile

[#3]2.1 What is the purpose of Personal Risk Profile self-assessment?
From 1 July 2011 the Capital Market Supervisory Board - Securities and Exchange Commission - requires investors to conduct a Personal Risk Profile self-assessment in order to help them understand their risk tolerance, and identify products appropriate to their level of risk acceptance. Investors will be required to conduct and update their assessment every two years.

[#4]2.2 How do I conduct my Personal Risk Profile self-assessment?
You can make the Personal Risk Profile self-assessment at the branch where you registered for BiZ iBanking or opened mutual fund accounts.

[#5]2.3 Personal Risk Profile assessment results table

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[#6]2.4 Which funds suit my Risk Profile?
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3. Buy Order

[#7]3.1 How do I buy mutual fund units?
3.1.1) On the Investments page, click the “Buy Order” menu.
3.1.2) The system will check your Personal Risk Profile self-assessment status.
3.1.3) When you enter the “Buy Order” page, please select the following details:
3.1.3.1) The account that you would like to deduct the money from
3.1.3.2) The fund type and fund name that you would like to buy
3.1.3.3) The amount that you would like to buy in baht

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*If an investor has invested for the first time in the ”Auto Redemption Fund” at the branch or using BIZ iBanking, the next buy order will have no minimum purchase.

3.1.3.4) To set up a recurring buy order ”Auto Redemption Fund”, please select ‘Redemption Option’ to choose whether to receive the payment to your account or buy an open-ended fund (only Bualuang Thanatavee Fixed Income Fund) from the drop-down list.
3.1.3.5) Fill in “Personal Reminder” if you would like to record a short message for your buy order.
3.1.4) On the “Buy Order” page, after entering the fund you would like to buy, the screen will display the risk of your selected fund compared to your Personal Risk Profile.
3.1.5) After you click “next”, if the fund you have selected to buy has a higher risk level than your Personal Risk Profile, or if the fund has an exchange rate risk while your Personal Risk Profile shows you have no ability to accept the exchange rate risk, you can click “Accept” to continue making the transaction (only the Approvers can make transactions).
3.1.6) The system will display “Buy Order-Verification” page for you to continue making your transaction and check the accuracy of your buy order and input Token Password (only the Approver can make transactions).
3.1.7) Click “Confirm” to verify your buy order or click “Back” if you wish to edit or cancel your buy order.
3.1.8) After you click “Confirm”, the “Buy Order-Confirmation” screen will appear with a reference number which you can print out for your records.
3.1.9) When you make the first buy order for the ‘Auto Redemption Fund’ via BIZ iBanking, the information shown in the ‘Mutual Fund Activity’ page can be used as a warrant for your Auto-Redemption investment. However, if preferred, a passbook can be issued at the branch where you registered for BiZ iBanking or opened a mutual fund account.

Remark: The SEC may require an asset management company to dissolve a fund in one of the following instances.

• The number of unit holder accounts has fallen below 35.
• The value of investment units which have been sold and calculated based on their face value have:
- Fallen below 50 million baht for five consecutive days after the final day of the second calendar year since the fund was established
- Fallen below 50 million baht on any working day and the asset management company wishes to dissolve the fund after the final day of the second calendar year since the fund was established
- Fallen below 30 million baht on any working day after the final day of the second calendar year since the fund was established
• The SEC requires an asset management company to dissolve a fund that has taken or refrained from taking any actions which has caused damage to the fund or failed to perform its duty.
• The asset management company obtains the majority vote from unit holders of more than half of the investment units sold.


4. Sell Order

[#8]4.1. How do I sell mutual fund units?
4.1.1) In the Investments page, click the “Buy Order” menu.
4.1.2) When you enter the “Buy Order” page, please select the following details:
4.1.2.1) The fund type and fund name that you would like to sell
4.1.2.2) Whether you would like to sell in “Units” or “Baht”
4.1.2.3) Number of units or amount in baht that you would like to sell

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4.1.2.4) Fill in the “Personal Reminder” if you would like to record a short message for your sell order.

4.1.3) Click “Next” and the system will display the “Sell Order-Verification” page for you to continue making your transaction and check the accuracy of your sell order and input Token Password (only the Approver can make transactions).

Note: If a redemption command is in units - the "Verification" screen will show the estimated value of the redemption. The value is calculated from Net Asset Value (NAV) of the fund on the previous working day. Therefore the User or Super User can estimate the available daily balance for making other transactions for the company.

4.1.4) Click “Confirm” to verify your sell order or click “Back” if you wish to edit or cancel your sell order.
4.1.5) After you click “Confirm”, the “Sell Order-Confirmation” screen will appear with the reference number which you can print out for your records.


5. Order History

[#9]5.1. How do I view my buy or sell order history via BIZ iBanking?
On the Investments page, click “Order History”. The page will display your transaction history.


6. Approve of Order

[#10]6.1. What is “Approval of Order”
For mutual fund transactions that are waiting for approval, the Approver must approve the transaction before 4.00 pm on the date the transaction is created. If approval is given after 4.00 pm, the mutual fund transaction will expire and cannot proceed.


7. Approval Steps

[#11]7.1. What is “Approval Steps”
7.1.1) Click “Approvals” and choose “Pending Approvals”.
7.1.2) Click “Req. ID” at “Mutual Awaiting Approvals” menu to see details.
7.1.3) For Mutual fund transaction approval, choose “Approve” or “Deny” if you do not wish to approve.


8. Approval Status Checking

[#12]8.1. What is “Approval Status Checking”?
After you have approved a mutual fund transaction, on the “Approvals” page, the system will display “Approval of Order-Confirmation” and show the link to access the approved order details. The approved orders will be displayed with “Completed” status.
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questionnaire_result
Questionnaire result Investor Assessment Fund Recommendation
< 15 points Your risk profile is described as “low risk”. It means you only want to find an investment that gives you a slightly higher return than bank deposits. Funds rated level 1
If you choose to invest in funds with a higher rating, you are recommended to invest not more than 20% of your portfolio.
15 - 21 points Your risk profile is described as “low-medium risk”. It means you can accept only limited risk. You prefer to protect your initial investment value with stable returns from investment. Funds rated level 4 or lower.
If you choose to invest in funds with a higher rating, you are recommended to invest not more than 20% of your portfolio.
22 -29 points Your risk profile is described as “medium-high risk”. It means you can accept some level of loss. Funds rated level 5 or lower.
If you choose to invest in funds with a higher rating, you are recommended to invest not more than 20% of your portfolio.
30 -36 points Your risk profile is described as “high risk”. It means you accept a high level of risk, an unstable market, and also losses for opportunities for high returns on your investment over the long term. Funds rated level 7 or lower.
If you choose to invest in funds with a higher rating, you are recommended to invest not more than 20% of your portfolio.
>37 points Your risk profile is described as “very high risk”. It means you prefer the opportunity for higher returns, accept a high level of risk and are willing to take the risk of significant losses. Funds rated level 8 or lower.
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risk_level
Risk Level Description of Fund Types and
Funds Available in each Risk Category
Low 1 Money Market Funds (Onshore Investment only) – These funds invest in deposits, debt instruments, securities, other assets or other investments under regulation by the Securities and Exchange Commission. The instruments invested in by the funds must have a maturity of less than one year and the portfolio duration must be less than three months.







Medium to Low		 2 Money Market Funds (Partial Offshore Investment) – These funds invest up to 50% of NAV abroad and invest in debt instruments, securities and other assets or other investments under regulation by the Securities and Exchange Commission. The instruments invested in by the funds must have a maturity of less than one year and the portfolio duration must be less than three months.
3

Government Bond Funds – These funds invest an average of 80% of NAV each fiscal year in government bonds.

  • Bualuang Thanarat Fund series
4

Fixed Income Funds – These funds invest in general debt instruments.

  • Bualuang Thanatavee Fixed Income Fund
  • Bualuang Fixed Income Fund
  • Bualuang Thanasarn
  • Bualuang Thanasarn Plus
  • Bualuang Fixed Income with fixed maturity date
  • Bualuang Thanasin
Medium to high 5

Mixed Funds – These funds invest in equity instruments, hybrid instruments, debt instruments and/or deposits.

  • B-Flex Open-end Fund
  • B-Active Open-end Fund

High		 6

Equity Funds– These funds invest an average of 65% of NAV each fiscal year in equity instruments.

  • Buakaew Open-end Fund
  • Buakaew Open-end Fund 2
  • Bualuang Thanakom Open-end Fund
  • Buakaew Income Fund
  • Sub Bualuang Open-end Fund
  • Bualuang Top Ten Open-end Fund
  • Bualuang Global Healthcare Fund
7 Sector Funds – These funds invest an average of 65% of NAV each fiscal year in equity instruments from various specified industries.
Very high 8

Alternative Funds– These funds invest in alternative or complicated investments, such as commodities, gold funds or derivatives that are not for hedging. The investment also includes Structured Notes with non-principal protection.

  • Bualuang Gold Fund
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funds_type
Type of Funds Buy order amounts viaBIZ iBanking
Minimum for each transaction Maximum for each transaction
1. Auto Redemption Fund First time for each fund - 10,000Bt.
Subsequent transactions have no minimum.		 Not over 10,000,000Bt
2. Open-End Fund 500Bt Not over 10,000,000Bt
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funds_type1
Type of Funds Sell order amounts via BIZ iBanking
Minimum for each transaction Maximum for each transaction
1. Open-ended fund Not over 10,000,000Bt or Not over 1,000,000 units
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