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How to see which funds have dividends

2025/10/29 Edited to

... Read moreการเลือกลงทุนในกองทุนรวมที่มีปันผลหรือไม่ปันผล เป็นหนึ่งในข้อมูลสำคัญที่ผู้ลงทุนควรทราบเพื่อวางแผนการเงินและสร้างผลตอบแทนให้ตรงตามเป้าหมาย โดยทั่วไปแล้ว กองทุนรวมจะมี 2 ประเภทหลัก คือ 1. กองทุนแบบปันผล (Dividend) คือกองทุนที่จ่ายเงินปันผลออกมาเป็นรายงวดให้กับผู้ถือหน่วยลงทุน ซึ่งเหมาะสำหรับนักลงทุนที่ต้องการรายได้ประจำจากการลงทุน 2. กองทุนแบบไม่ปันผล (Accumulation) คือกองทุนที่ไม่นำกำไรไปจ่ายปันผล แต่จะนำกำไรเหล่านั้นมาสะสมเพิ่มมูลค่าของหน่วยลงทุนแทน เหมาะสำหรับนักลงทุนที่ต้องการเติบโตของเงินลงทุนในระยะยาว วิธีดูว่ากองทุนไหนมีปันผลหรือไม่สามารถตรวจสอบได้จากเอกสารสำคัญอย่าง Fund Fact Sheet หรือหนังสือชี้ชวนของกองทุนนั้น โดยในเอกสารจะระบุประเภทของกองทุนและคลาสของหน่วยลงทุนอย่างชัดเจน เช่น กองทุน SCBGOLD (กองทุนเปิดไทยพาณิชย์โกลด์) ที่ลงทุนในกองทุนทองคำโลก SPDR Gold Trust จะมีหลายคลาสที่แตกต่างกัน เช่น - คลาส SCBGOLD-A (Accumulation) เป็นคลาสสะสมมูลค่า ไม่มีการจ่ายปันผล - คลาส SCBGOLD-D (Dividend) เป็นคลาสที่มีการจ่ายเงินปันผล การดูชื่อกองทุนและคลาสโดยตรงบนหน้า Fund Fact Sheet รวมทั้งการตรวจสอบข้อมูลราคาหน่วยลงทุน (NAV) ก็เป็นวิธีที่ทำได้ง่ายและรวดเร็ว นอกจากนี้ยังควรพิจารณานโยบายกองทุน ข้อมูลความเสี่ยง และรายละเอียดอื่นๆ ที่เกี่ยวข้องในการตัดสินใจลงทุนด้วย อีกทั้งข้อมูลจากเว็บไซต์ของบริษัทจัดการกองทุนหรือแพลตฟอร์มการลงทุนต่างๆ จะช่วยให้ได้ข้อมูลที่อัปเดตและถูกต้อง ทำให้คุณมั่นใจได้ว่าสามารถเลือกกองทุนที่ตรงกับเป้าหมายและความต้องการได้อย่างเหมาะสม สุดท้าย การลงทุนในกองทุนที่มีกลยุทธ์ป้องกันความเสี่ยง (Hedging) อย่างใน SCBGOLD ยังช่วยลดความผันผวนของราคาสินทรัพย์ได้อีกด้วย ทั้งนี้ควรศึกษาอย่างละเอียดก่อนลงมือ เพื่อลดความเสี่ยงและเพิ่มโอกาสสำเร็จทางการเงินในระยะยาว

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