Employee's choice

Employee’s choice concept responds to different preference in savings of each member based on age, expected return, risk appetite, and other factors such as duration of investment etc. and it enables employees to select their own investment policies that best suit their needs.
 To adopt Employee’s Choice concept, it is necessary for employees to have sufficient knowledge in investment.
 Krungsri Asset Management Ltd. registered “Ayudhya Master Fund Registered Provident Fund “ on 30 January 2009. This is a Master Pooled Fund with 22 policies. Members may choose investment portfolio that best suits their style based on age, risk appetite, and expected return within the investment framework set out by the fund committee or life path by using the member’s age to determine the portfolio allocation among equities, fixed-income, infrastructure funds (infra)/ real-estate investment trusts (REITs) (if any). Krungsri Asset will automatically adjust the portfolio allocation. Details of Ayudhya Master Fund Registered Provident Fund are as follows:

*Please click at fund name for more details
Fund Type/ 
Fund name / 
 Fund Fact Sheet

Risk Level

Investment Policies and Portfolio Management

Remark
Fixed Income
1. KFCASHRMF 1
Low
  • Mostly invest in debt instrument of government sector
  • Average portfolio duration  ~ 1-2 months
-
2. KFMTFIRMF 4
Low to moderate
  • Mostly invest in debt instrument of government sector (> 50%) and corporate debt with Credit Rating above A-, F2/T2
  • Average portfolio duration ~ 1.5 years (0.5-2.5 years)
-
3.  KFGOVRMF 4
Low to moderate
  • Only invest in debt instrument of government sector  (invest a few of liquidity asset)
  • Average portfolio duration ~ 2 - 2.5 years (0.5-4 years)
-
Foreign   Fixed Income
1.   KF-CSINCOM 5
Moderate to high
  • The Fund allocates at least 80% of NAV in each accounting year in a foreign fund titled PIMCO GIS Income Fund (Class I-Acc) (master fund), which invests at least two-thirds of its assets in a diversified portfolio of fixed Income instruments of government and corporate issuers worldwide.
Hedging  foreign exchange 
Mixed
1.   KFFLEX2RMF 5
Moderate to high
  • Invest in various assets such as fix income, equity, REITS and Infrastructure. Mostly maintain Portfolio with equity proportion higher than others.
  • Flexible to approach every portfolio model (Growth Stock, Value Stock and Dividend Stock)
-
Thai Equity
1.   KFS100RMF
High
  • SET100
-
2. KFENS50-A
High
  • Track investment return of SET50 index (passive management) more than 90%
  • Enhance higher return by active management approach in remaining 10%
-
3. KFSDIV
High
  • Focus on listed company base on strong fundamental, positive cash flow and mainly invest in stocks that potentially pays consistent dividends
  • Diversify portfolio by investing in listed company more than 35 companies
-
4. KFTSTAR-A
High
  • Invest in listed companies with strong fundamental, high business growth potential and attractive dividend yield. 
-
5.  KFSEQ
High
  • Invest in potential high growth or good fundamental stocks of listed companies
  • Diversify to 30 companies
-
6. KFDYNAMIC
High
  • Invest in listed companies based on strong fundamental, high business growth potential and attractive dividend yield. Flexible to invest in Large, Mid-Small companies, dividend or growth stock depend on market outlook.
  • High concentrate to invest in 15-20 companies.
-
Foreign Equity
1.    KFGBRANRMF
High
  • The Fund will allocate at least 80% of NAV in each accounting year in a foreign fund titled Morgan Stanley Investment Funds - Global Brands Fund (Class Z) (master fund), which invests primarily in equity securities of companies in the world’s developed countries whose success the Company believes depends on intangible assets 
Hedging  foreign exchange 
2. KF-HUSINDX
High
  • Invest in master fund, iShares Core S&P 500 ETF, to track average return closed to S&P 500 index by hedging FX 
Hedging  foreign exchange 
3.   KF-HEUROPE
High
  • This fund allocates at least 80% of NAV in each accounting year in a foreign fund titled Allianz Europe Equity Growth Fund (Master Fund).
Hedging  foreign exchange 
4. KF-HJPINDX
High
  • Invest in master fund, Nikkei 225 ETF, to track average return closed to Nikkei 225 index by hedging FX
Hedging  foreign exchange 
5.   KFHASIA-A
High
  • Minimum 80% of NAV in average of fund accounting year are invested in the Master Fund named, Vontobel Fund - mtx Sustainable Asian Leaders (ex Japan) (Class I)
Hedging  foreign exchange 
6.    KFACHINA-A
High
  • Minimum 80% of Funds assets in average of fund accounting year are invested in the Master Fund named, UBS (Lux) Investment SICAV - China A Opportunity (USD) (Class P - acc) (master fund), which invests in Chinese A-shares that are Renminbi-denominated shares of companies domiciled in mainland China (further referred to as "A-shares"); these A-shares are traded on Chinese stock exchanges such as the Shanghai Stock Exchange and the Shenzhen Stock Exchange.
Hedging  foreign exchange   is  at discretion
7.    KFHCARERMF
High
  • The Fund allocates at least 80% of NAV in each accounting year in a foreign fund titled JPM Global Healthcare Fund (Master Fund) with at least 67% of the assets (excluding cash and cash equivalents) being invested in equity securities of Healthcare Companies.
Hedging  foreign exchange   is  at discretion
Alternative Investment
1. KF-GOLD 8
Very high
  • To invest in investment units of a foreign fund named SPDR Gold Trust, which invests in gold bullion in order to generate return comparable to return on investment from gold
Not hedging  foreign exchange 
Life Path
Equity
1.  KFENSET50-A
High
  • Track investment return of SET50 index (passive management) more than 90%
  • Enhance higher return by active management approach in remaining 10%
-
Mixed
2.     KFHAPPYRMF 5
Moderate to high
  • invest up to 25% of its assets in Equity (including REIT and Infrastructure fund) and at least 75% in Fixed income .
-
3.     KFGOODRMF 5
Moderate to high
  • invest up to 50% of its assets in Equity (including REIT and Infrastructure fund) and at least 50% in Fixed income 
-
4.     KFSUPERRMF 5
Moderate to high
  • invest up to 75% of its assets in Equity (including REIT and Infrastructure fund) and ar least 25% in Fixed income .
-



 

Plan Your Investment

The earlier you start saving and investing, the wealthier you will be.