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Efficient & smart savings help you achieve your saving goal.
“Not everyone has savings but everyone can save.”
“Saving” means we “sacrifice”  a portion of our income and keep it for future rather than spending it for our today pleasure. Many people ask “How can I save when I am barely able to spend by each month?”  The truth is that saving does not depend on your financial position and economic cost.  Whether rich or poor, anyone can “save”.  Unfortunately, we tend to spend more than we have. Changing our view in life and attitude towards savings as well as setting a clear saving goal – Why are we saving? What are we saving for? – we will be motivated to achieve our goal. 
The important point is “Saving must not make us suffer.”...Do not starve in order to save.  Do not save to the extent that it causes financial hardship. Saving should bring happiness and create balance between the “body” and the “mind”.  We “must be committed to saving” because it is the money that we will have for future spending.
Saving is not enough. Investment is recommended.
“Inflation VS Interest”
Inflation is one of major barriers that make our saving insufficient to fund our goals because inflation depreciates the money in hand. Thus, saving alone is not enough because interest will not exceed inflation.  Investment comes into play as it grows your savings while you do not have to do a second job or find more income.  This section will give you an introduction to investment and related “risks”.  It will enable you to understand the right principle of investment.  Remember – the riskiest thing is the fact that you do not know what you are doing.  So we must be equipped with knowledge in investment and set our goals in order to minimize risks while preserving the capital gain.
The highest risk is ignorance … so we need to know about risks.
Each crisis resulted in a great deal of loss because we did not know that it would happen and we did not prepare ourselves to deal with it. If we know and understand that a crisis can happen any time, then we will be able to manage it to mitigate loss or can even identify opportunities from it. It can be said that “our life” is full of “risks,” and that “risks” always involve “returns.”
Mutual Fund as a Door to Investment
Today we have more investment options than ever, while investment in assets can be done in two ways: direct investment and investment through a financial middleman.  Direct investment may not be convenient for some of us as investors need capital to invest and must have a lot of experience. This makes investment through a financial middleman or a mutual fund an interesting option.
A mutual fund is a suitable tool for investors who wish to invest in various types of assets based on each fund’s policy.  It is also suitable for investors who have a clear investment objective, want a medium to long term investment, and prefer more efficient diversification of risks than direct investment.
This article will explain the meaning of a mutual fund – What is a mutual fund?  Why invest in a mutual fund?  How does the type of mutual fund affect your investment?  Since mutual funds have different risks, you must study them so that you choose the mutual funds that are right for your needs.
Look closely when choosing a mutual fund
Two main points to consider when choosing a mutual fund as follows:
  1. 1. Check and compare the historical return with other mutual funds that use the same benchmark.
  2. 2. Study the return of the past 3-5 years. Always choose the ones that give consistent return in a long term.
Investors always want “return” or “profit” from their investment. So return is usually the first thing or goal that investors think of. No one likes “risk”. However, it is unlikely that your investment will generate “high return” at “low risk”. A simple explanation is that, in general investment sense, “return” tend to move in the same direction as “risk” or as we know “High risk high return.”.
“Return” of mutual funds is available for viewing from many sources. They are published in “Fund Fact Sheet” or “business newspaper” or websites of asset management companies that manage your investment. You may also view return on investment from the website of the Association of Investment Management Companies (www.aimc.or.th)” or the website of Morning Star (www.morningstarthailand.com)”.
This section will tell you how to choose mutual funds based on information in the Fund Fact Sheet or media. You will also learn how to use a benchmark to assess performance of the popular mutual funds.
Choose certified & standardized companies
At present, there are 22 asset management companies who offer over 1,500 mutual funds (as of 7 November 2014). As there are many choices, investors certainly want the good ones. A factor to look at is the fund performance in comparison with the “benchmark index”.
Investors may view and compare fund performance of the funds having similar investment policy at the website of AIMC (www.aimc.or.th) or Fitch Ratings, Lipper Rating, and Morningstar Research. Particularly, Morningstar as an overseas leading rating company regularly publicizes “free” information on its website (www.morningstarthailand.com). Investors may access information through these channels before making a decision to invest through “a third party” who acts independently. This section will explain the mechanism of rating and comparison methods used by Morningstar so that investors know how funds are rated which will give confidence in making an investment decision.
View fund rating – identify basket & investment cases
Generally, Thai investors do not use much information to help with a decision. Investors tend to focus on “short term investment”. However, investors should understand “the method and investment concept of the fund manager”. Most fund managers make investment in various assets for medium to long term gain. It is recommended that investors look for mutual funds that can generate the required return for the preferred investment term. In this regard, “Star Rating” can help you make a decision.
Go with Star Rating Funds
“Fed up with investment without direction that keeps you far from achieving your investment goal? Also, you may not know which fund to choose when it is time for investment? “Wouldn’t it be better if you adjust your investment with assistance from “Star Rating Funds”?” Star Rating funds rated by an independent rating company like “Morningstar” will help you identify the funds that will “boost” your investment. This section will give you more details about Star Rating funds, where they come from, and which Star Rating funds are attractive.
Star Rating Funds reduce fluctuation in a long term
Before we proceed with discussion on portfolio management, investors should understand “return”. Returns are divided into two types: 1) Total Return, and; 2) Price Return. This section will explain the difference between these two types in details. After investors have a clear understanding about return and risks, the final step is portfolio management.
The key to portfolio management is that investors should spread investment in various classes of assets based on their risk tolerance in order to seek the required return. Investors should not heavily invest in a particular asset. This last section will guide you on portfolio management which will enhance your investment in a long term.
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