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 11 policies (as of 2 May 2014). 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. Details of Ayudhya Master Fund Registered Provident Fund are as follows:

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Fund Type/ Fund name Risk Level
Investment Policies and Portfolio Management
Fund Fact Sheet
Money Market / Fixed Income
1. KFCASH 1
Low
  • Mostly invest in debt instrument of government sector
  • Average portfolio duration  ~ 1-2 months
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2. KFCASHPLUS 2
Low to moderate
  • Focus on domestic investment particularly debt instrument of government sector, including financial institution or corporate debt with credit rating above A- and  also debt instrument in foreign countries (Fully F/X Hedge) Credit Rating above F2/T2
  • Average portfolio duration ~ 1-3 months
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3. KFMTFI-D 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)
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4.  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)
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Thai Equity
1. KFFLEX 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)
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2. KFENSET50
High
  • Track investment return of SET50 index (passive management) more than 90%
  • Enhance higher return by active management approach in remaining 10%
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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
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4. KFTSTAR-A
High
  • Invest in listed companies with strong fundamental, high business growth potential and attractive dividend yield. 
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5.  KFSEQ
High
  • Invest in potential high growth or good fundamental stocks of listed companies
  • Diversify to 30 companies
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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.
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Foreign Equity
1. 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 
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2. KF-HJPINDX
High
  • Invest in master fund, Nikkei 225 ETF, to track average return closed to Nikkei 225 index by hedging FX
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Alternative Investment
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
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Plan Your Investment

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