Wealthy Way: “Investment Universe” At present, there are many Until sometimes investors like us, you and yourselves can’t keep up with each other.
One of the tools that comes to meet the needs of investors around the world very well is “Mutual Fund” It is a good tool suitable for investors in general. That may have time constraints, investments, have a full-time job that is already responsible.
is virtualmagic door” of Doraemon that will open the investment door to various types of assets Whether it’s stocks, bonds, real estate or gold, go anywhere. ‘in the country’ and ‘abroad’
That increases investment opportunities. allows you to “Investment allocation” (Asset Allocation) Yes, that will be followed by a level of “returns” compared to “Risk” better too if you use it properly
So what is a “mutual fund”?? according to the team ‘Wealthythai’ Let’s get to know each other at the same time.
“Mutual Funds”…investment tools for ‘retailers’
“Mutual Fund”…is “Investment Tools” That was created specifically to meet the needs of retail investors around the world. (But big money, heavy money that is interested can also be invested. There are no restrictions whatsoever)
The principle is simple…
Overall investor’s money “Retail” Each of them came together for a large sum of money in “Mutual Fund” instead “Mutual Fund” All of the money raised from retail investors will be invested in “asset”on your behalf, depending on the investment policy of that mutual fund specified You will change the status to “Unitholders” in mutual funds instead.
“So it’s like a collective ideology. Gather people who have the same investment perspective in ‘fund’ the same, then the fund will continue to invest instead The return that is achieved will be averaged back in proportion to the unitholders both ‘Profit/Loss’ According to the performance that the mutual fund can do is important.
“Mutual Funds”…Invest in what?
Can you close your eyes and imagine the investment assets available on “Investment Universe” What is there in this world? “Mutual Fund” Can be set up to invest in all
Yes, what do you want to invest in? “Mutual Fund” Can go and invest Only if there is a policy to invest.
“If the policy is written for investment Whether it’s deposits, bonds, stocks, real estate, gold, both ‘in the country’ or ‘abroad’ Invest from the least risky assets to the highest ever.”
abroad “Mutual Fund” Therefore, it is a very popular investment choice among investors.
Invest in what? You can invest in all investment assets that exist in the world.
current “Mutual Fund” In Thailand, there are many investment options to choose from, which can be called as complete as the investment world should have. And in the future there will probably be a shift. “product” to more complex But that must be accompanied by developments in investor understanding as well.
“Mutual Funds”…has “professionals” managed full time
If you have money, time, and knowledge enough. “Invest yourself” may be the first choice yours
But if you have limited investment (little money), don’t have time, don’t have much investment knowledge. “indirect investment” Through mutual funds is another option that can be done as well. (It’s not an investment by yourself. You can’t So don’t invest)
“With hundreds and thousands of money, you can invest in the assets you are interested in with the mechanism of ‘mutual fund’ (Currently, some funds do not have a minimum. or start from only 1 baht) There will be a money manager. ‘Professional’ the so-called ‘Fund Manager’ (Fund Manager) Responsible for managing mutual fund investments in accordance with the policies specified in the prospectus. and is a kind of management ‘Full Time’ (Full Time) Because that was directly his career. The returns and risks depend on the nature of the assets invested in.”
In addition, that “Mutual funds are not tax entities.” The mutual fund’s income is therefore not subject to income tax. Mutual funds are therefore able to transfer the benefits to the unitholders more fully than investors will invest in different types of assets by themselves.
“Mutual Funds” have many parties to help take care of the work…”Investors” can feel at ease.
while there “Investment Scam” Something new pops up all the time. until it may cause many people to feel uncomfortable
but because “Mutual Fund” It is an investment tool for investors. “Retail” As a result, the structure of the mutual fund in the dimension of supervision is also very concentrated, called…Investors can rest assured that the “investment” that they put into the mutual fund will definitely not vanish like the Ponzi scheme that appears on the news regularly. part will “Profit/Loss” That is mainly in accordance with the performance of the fund. (It’s no different from investing directly)
before becoming “Mutual Fund” It’s not easy, it has to be carefully filtered. Chasing from the body “Mutual Fund Management Company” (AMC) Must obtain a mutual fund management license from “Ministry of Finance” It’s not easy for anyone to set up.
As for investment projects established as “Mutual Fund” You see a lot of things that have to be considered and approved by “Office of the Securities and Exchange Commission” (SEC) In addition, the SEC will also supervise another level. There is also
“Beneficiary Trustee” Come to take care of the asset management company to manage the fund in accordance with the objectives and investment policy. Paying for the purchase price and accepting payments from the sale of assets Including keeping the assets of mutual funds, etc. (the asset management company has only management duties)
“Certified Auditor” Registered with the SEC as an independent auditing of the fund’s assets and approving the fund’s financial statements to be correct in accordance with the accounting standards.
“Investment Unit Registrar” It is an institution that is licensed by the SEC. Take care of the list of unit holders. as well as the benefits of various unitholders
“Mutual fund” has the status of “juristic person”….separate from “management company”.
Most importantly, “Mutual Funds” have the status of “juristic persons” separate from “management companies.” by the money raised from the sale of investment units will be registered with the SEC For this reason, the mutual fund’s assets are separated from the assets of the asset management company in the first place.
“So if the asset management company ceases to be a juristic person in any case, for example, the company goes bankrupt. dissolution of business for other reasons, etc. Mutual funds and their assets will not be affected in any way.”
There may be a transfer of mutual funds that were managed by an asset management company that has ceased business to be managed by another asset management company instead. in order to continue to manage mutual funds or in the event that the fund is cancelled, there will be “Liquidator” Eventually liquidate the average refund to the unit holders.
You will see that…”mutual funds” are investment tools that not only meet the needs of investors as well. There is also an extremely rigorous regulatory process. Investors who invest can “feel comfortable” that … they do not exist. Funds will disappear until anyone can smell it like a “Ponzi scheme” for sure.
