3. How are Mutual Fund Account capital gains or losses, as shown in the Mutual Fund Accounts page, calculated?
    Capital Gain/Loss = (Current Outstanding Units × Current NAV) - Fund Investment Cost


My Risk Profile

1. Why do I need to complete a 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.

2. How is the Personal Risk Profile self-assessment conducted?
    The Personal Risk Profile self-assessment contains two parts.  The first part contains 10 questions, identifying which type of investor you are and what level of risk you can accept.
    The second part contains one question only, identifying your willingness to accept currency risk for investments in mutual funds investing in 20% or more of Net Asset Value in foreign instruments.

3. How do I conduct my Personal Risk Profile self-assessment?
    In the ‘Investments’ page, click the ‘My Risk Profile’ menu.  After entering the ‘My Risk Profile’ page:

    • If you have never completed the risk profile questionnaire before.
      Click ‘Go to Questionnaire’ to conduct your Personal Risk Profile self-assessment or click ‘Do it later, go to My Mutual Funds’ if you wish to conduct your Personal Risk Profile self-assessment at a later stage.

      After completing the Personal Risk Profile self-assessment, click ‘Submit’ and the system will show your risk profile, plus a corresponding investment recommendation.

      If you wish to revise, click ‘Repeat the Questionnaire’.

    • If you have already completed the risk profile questionnaire
      The system will show your risk profile, plus the corresponding investment recommendation. If you wish to revise, click ‘Repeat the Questionnaire’.

    • If your risk profile score has expired (after two years)
       The system will show your risk profile.
       - If you accept your existing risk profile, click ‘Accept Existing Profile’, then click ‘Re-confirm this Profile’
       - If you wish to re-take the questionnaire, click ‘Go to Questionnaire’, then click ’Submit’ after reading it completely.
       - If you do not wish to accept or re-take the questionnaire, click ‘Do it later, go to My Mutual Funds’.

4. Personal Risk Profile assessment results table

Buy Order

1. How do I buy mutual fund units?

    1) In the Investments page, click the “Buy Order” menu.

    2) The system will check your Personal Risk Profile self-assessment status.

        • If you have never completed the risk profile questionnaire before

           2.1) Click “Go to Questionnaire” to conduct your Personal Risk Profile self-assessment, or click “Do it later, go to My Mutual Funds” if you wish to conduct your Personal Risk Profile self-assessment at a later stage.

           2.2) After completing the Personal Risk Profile self-assessment, click “Submit” and the system will show your risk profile, plus a corresponding investment recommendation.

           2.3) Click “Buy Order” again to make a transaction.

        • If your risk profile score has expired (after two years)
           The system will show your risk profile.

           2.1) If you accept your existing risk profile, click “Accept Existing Profile”.

           2.2) If you wish to re-take the questionnaire, click “Go to Questionnaire”.  After finishing the questionnaire, click “Submit” the system will show your risk profile.  Click “Buy Order” again to make a transaction.

           2.3) If you do not wish to either accept or re-take the questionnaire, click “Do it later, go to My Mutual Funds”.   This will return you back to the main mutual funds page where you can view your funds but will not be able to make any buy or switch transactions until you have updated your risk profile.

    3) When you enter the “Buy Order” page, please select the following details:

        3.1) The fund type and fund name that you would like to buy.

        3.2) The account or credit card from which you would like to deduct the money.
     
               Conditions for online credit card payments:

               • You can use only a Bangkok Bank credit card to pay for Bualuang RMF/LTF (excluding AMEX, corporate cards, purchasing cards and China UnionPay cards).
               • You can make credit card payments for Bualuang RMF/LTF to a maximum of 500,000Bt per fund type per year (including transactions via all channels – branches and Bualuang iBanking).

        3.3) The amount that you would like to buy in Baht.

Some funds have minimum and maximum purchase amounts as shown in the following table:

        2.4) The date to sell.

        2.5) To set up a recurring “SELL” order, please select the frequency of the sell order from a drop down list.

        2.6) For an RMF sell order, please select the “Investment Unit Deduction” from the drop down list and select “Investment Period” to show that you have continuously invested in the RMF for at least 5 years.

Remark: Ministerial regulation number 265, (2008 ), will provide tax exemptions only for unit-holders who sell their RMFs in the following cases. 
             • Investment units which have been invested in before March 1, 2008 can be sold when they have been continuously invested in for at least 5 years. (The 5 years is complete on the anniversary of the exact day and month that it was purchased)
             • Investment units which have been invested in since March 1, 2008 can be sold when they have been continuously invested in for at least 5 years (The 5 years is complete on the anniversary of the exact day and month that it was purchased) and unit-holders are aged 55 years or older.

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

    3) Once these details have been selected, click “Next”. A “Sell Order-Verification” screen will appear or click “Cancel” to cancel your buy order.

    4) Click “Confirm” to verify  your sell order or click “Back” if you wish to edit or cancel your sell order

    5) After you click “Confirm”, a “Sell Order-Confirmation” screen will appear with the reference number which you can print for your records.


Switch Order

A switch order can be used to directly switch your investment units from one fund to another. The terms and conditions for switching vary according to the fund type and are described in the fund prospectus.

1. How do I switch my mutual fund units?

    1) In the Investments page, click the “Switch Order” menu.

    2) The system will check your Personal Risk Profile self-assessment status.

        • If you have never completed the risk profile questionnaire before

           2.1) Click “Go to Questionnaire” to conduct your Personal Risk Profile self-assessment, or click “Do it later, go to My Mutual Funds” if you wish to conduct your Personal Risk Profile self-assessment at a later stage.

           2.2) After completing the Personal Risk Profile self-assessment, click “Submit” and the system will show your risk profile, plus a corresponding investment recommendation.

           2.3) Click “Switch Order” again to make a transaction.

        • If your risk profile score has expired (after two years)
           The system will show your risk profile.

           2.1) If you accept your existing risk profile, click “Accept Existing Profile”.

           2.2) If you wish to re-take the questionnaire, click “Go to Questionnaire”.  After finishing the questionnaire, click “Submit” the system will show your risk profile. Click “Switch Order” again to make a transaction.

           2.3) If you do not wish to either accept or re-take the questionnaire, click “Do it later, go to My Mutual Funds”. This will return you back to the main mutual funds page where you can view your funds but will not be able to make any buy or switch transactions until you have updated your risk profile.

    3) When you enter the “Switch Order” page, please select the following details:

        3.1) The fund name that you already have an investment in and would like to switch.

        3.2) The fund type and fund name to which you would like to switch (destination fund).

        3.3) The number of units / amount in baht you would like to switch

*Note: In the event of switching to an ‘Auto Redemption Fund’, the following conditions apply: 

       • Switching is allowed only from a ‘Bualuang Thanatavee Fixed Income Fund’ and ‘Bualuang Treasury Fund’.
       • If you have already invested in an ‘Auto Redemption Fund’ through a branch or Bualuang iBanking, the next switch will have no minimum limit.
   
        3.4) The date to switch.

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

    4) In the “Switch Order” page, after entering the fund you would like to buy, the screen will show the risk of your selected fund compared to your Personal Risk Profile.

    5) After you click “next”, if the fund you selected to buy has a higher risk level than your Personal Risk Profile, or the fund has 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.

    6) The system will display the “Switch Order-Verification” page for you to continue making your transaction and check the accuracy of your switch order.

    7) Click “Confirm” to verify your switch order or click “Back” if you wish to edit or cancel your switch order.

    8) After you click “Confirm”, a “Switch Order-Confirmation” screen will appear with the reference number which you can print for your records.


History

1. How do I view the history of my Buy, Sell or Switch Orders via Bualuang iBanking?
    On the Investments page click “HISTORY” on the left of your screen. The page will display your transaction history.


Pending

1. How do I view pending Buy, Sell or Switch Orders via Bualuang iBanking?
    On the Investments page, click “PENDING” on the left of your screen. The page will display your pending orders. You can cancel a pending Buy, Sell or Switch Order by clicking “CANCEL” in the pending screen. When the order is cancelled, confirmation of your cancellation will be shown.


Pre-Redemption Service

1. How do I apply for Pre-Redemption Service?

    1) In the Investments page, click the “Pre-Redemption Service” menu.

    2) Fill in the information below:

        2.1) Sell Mutual Fund

        2.2) Amount (maximum 10,000,000Bt)

        2.3) Starting month and year of the Pre-Redemption Service (The transaction will be processed on the last business day of the month you choose)

        2.4) The month and year you wish the Pre-Redemption Service to end

    3) Click “Next” to apply for Pre-Redemption Service; the system will display the “Verification” page for you to review your transaction or click “Cancel” if you wish to cancel your transaction.

    4) Click “Confirm” to verify your Pre-Redemption Service registration or click “Back” if you wish to edit or cancel.

    5) After you click “Confirm”, the system will proceed with your Pre-Redemption Service registration which you can print for your records.

2. How can I cancel or edit the information on Pre-Redemption Service?

    1) In the Investments page, click the “Pre-Redemption Service” menu.

    2) Click “Pre-Redemption Service Application List” and choose the information you would like to change or cancel.

    3) In the “Apply for Pre-Redemption Service – Detail” page, you can choose to “Cancel Order”, or “Change Information”:

        3.1) Amount (maximum 10,000,000Bt)

        3.2) Starting month and year of the Pre-Redemption Service (The transaction will be processed on the last business day of the month you choose)

        3.3) The month and year you wish the Pre-Redemption Service to end

    4) Click “Next” to change your Pre-Redemption Service information; the system will display the “Verification” page for you to review your transaction.

    5) Click “Confirm” to verify your Pre-Redemption Service information or click “Back” if you wish to edit again.

    6) After you click “Confirm”, the system will change your Pre-Redemption Service information which you can print for your records.

Notes:

• You can register, cancel or change your information in the Pre-Redemption Service every day during 7.00 am – 10.00 pm except the last business day of the month when the system will accept the last order at 4.00 pm and then close until 7.00 am on the first business day of the next month.
• Your registration, changes or cancelation will take immediate effect as the system will process it using the NAV from the last business day of the month when you made the transaction.
• In the event that the amount of money you input for the pre-redemption order calculated into units is more than the units you have in your account, the system will sell units equivalent to the amount in your account.
• BBLAM will send an SMS to notify you 3 months and 1 month in advance before the balance in your fund registered with pre-redemption, reaches zero; the SMS will be sent to the mobile phone number that you registered at the branch. If you would like to register or change your mobile phone number, please contact a Bangkok Bank branch.

Mutual Fund Document Service

1. What is Mutual Fund Document Service?

It is a convenient service for customers who invest in Bualuang Retirement Mutual Funds (RMF) and Bualuang Long-Term Mutual Funds (LTF). They can download Mutual Fund Documents by themselves via Bualuang iBanking as follows:

• Certificate of RMF/LTF Purchase
• Certificate of RMF/LTF Redemption
• Withholding Tax Certificate for RMF/LTF Redemption 

2. How can I download documents?

    1) On the Investment page, click the “Mutual Fund Document Service” menu.

    2) When you are on the Mutual Fund Document Service page, please select the service

        2.1) Download the Certificate of RMF/LTF Purchase and fill in the information below:
               2.1.1) “Unit Holder Number”
               2.1.2) “Year”
        2.2) Download the Certificate of Transaction which is the Certificate of RMF/LTF Redemption and Withholding Tax Certificate for RMF/LTF Redemption and fill in the information below:
               2.2.1) "Mutual Fund Account"  
               2.2.2) "Transaction Type"              
               2.2.3) "Start Date” and “End Date”

    3) When you click "Confirm", the system will display the information for downloading, or you can click “Cancel” to edit or cancel the transaction.