Open a simple port with a new edition of "mutual fund"! 📊💰

🍋 Part 2: Open a simple port with a new edition of "Consolidated Fund"! 📊💰

📢 Remember? In the last post, we talked about building a financial base...If the base is ready today, let's go into the most popular investment tool for novices, which is "mutual fund."

1. 🧐 What is a mutual fund?

The simple advantage is a "pot of money" where many investors put money together, and then a "professional fund manager" invests this money in assets according to the policy (such as Thai stocks, foreign stocks, debt securities).

✅ Advantages that newbies love:

Start less: Some piles start at 1 baht or 100 baht.

Diversify: Our money doesn't go into one stock.

Comfort: Someone to take care of. Don't watch the screen.

Variety: Available according to the level of risk received.

2. 🚨 know the "risk level" of the Fund.

Before buying a fund, know how volatile we can accept. The fund divides its main risk into eight levels:

Risk Level Primary Asset Type Fits Who?

1-2 (Low) Deposits, Government Debt. Focus on Maintaining Principal, Fear of Loss

3-4 (Medium Relatively Low) Private Debt, Mixed. Get Some Fluctuations.

5-6 (Medium Relatively High) Domestic Stocks, Mixed. Needs Higher Returns, Get Some Risk

7-8 (High-Very High) Foreign Stocks, Gold, Property Accent Very High Returns, Long-Term Looking, Receives Losses

Export to Sheets

📌 Trick: A rookie should start at levels 3-5 first, and then gradually move up according to knowledge and understanding.

3. 🔍 3 homework before you buy.

When choosing the right policy (such as foreign equity funds), remember to compare funds from many blocks (fund management companies) with these 3 factors:

Historical Performance: Look at 3-5 years of performance, the better the benchmark wins, the more interesting it is.

Fee: The lower the total fee, the better, because our money will be invested in the full unit.

Fund Fact Sheet: Read to know what this fund is investing in, whether it is hedging the exchange rate.

4. 🗓️ Do it! (Step-by-Step)

Open Account: Select your favorite blog or open it through a bank / broker application (just an ID card)

Choose a Fund: Use the Fund Comparison website, or consult an Investment Advocate.

Start DCA: Set the same investment per month / week, i.e. 1,000 baht per month

Review: Continue to review the Fund's contributions at least once a year as to whether the goals we have met

💖 Ready to start DCA? Try the screencaps and share which funds are aimed! 👇

# Lemon 8 Finance # Investment # Mutual funds # Saving money # Open port