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Retirement Mutual Fund for your quality retirement

Aiming towards quality retirement goals, in addition to having to carefully plan your effective saving. Investment in Retirement Mutual Fund (RMF) is another alternative that can help you extend your savings to the next level and also plan for retirement the way you want early. Furthermore, investing in RMF can also be tax deductible which would manage money and expenses efficiently as well.

Before deciding to invest or choose to buy RMF from any asset into the portfolio. Let's review all the important things about RMF that you should know with the Retirement Mutual Fund (RMF) investing experts from DAOL Asset Management Company.

What is Retirement Mutual Fund (RMF)?

It is well known that apart from SSF, RMF is another retirement mutual fund that many people choose to invest in to plan their life in retirement age in advance.

Retirement Mutual Fund (RMF) is a mutual fund that encourages Thai people to save long-term for their retirement with the condition that Investors must invest for at least 5 years and will be able to sell investment units only at the age of 55. In addition, investors must continue to invest in funds. If you stop investing for more than 1 year, it will be considered as breaking the condition. Then, buying RMF funds and not getting a tax deduction.

If anyone has never invested in an RMF, it is recommended to study the conditions of this retirement mutual fund. "Government Pension Fund or GPF" or if it belongs to the private sector, is called "Provident Fund"

How different between RMF and other mutual funds?

Investing in Retirement Mutual Funds is suitable for everyone who wants to invest while saving. Because buying RMF is a long-term investment. There is a set trading time. This is to prevent withdrawal. Until causing insufficient funds to reach the desired retirement goal

RMF is a suitable investment product for all investors. Especially those who do not have retirement savings benefits. self-employed person as well as private sector workers, freelancers, and employees who do not have a provident fund or Provident Fund

Advantages of having RMF in your portfolio

Buying RMF not only helps initiate long-term investment discipline to initiate retirement savings but buying RMF also comes with many other advantages, such as

Helps to plan for long-term savings and investments. Suitable for those who want to have saving discipline. and increase savings for your retirement.
There’re various policies for selecting. Investments in the fund and profits derived from buying RMF can be used for personal tax deductions up to 500,000 baht.
There is a new rule that investors can buy RMF with no minimum. which if it’s the old criterion, will be required to buy 3% of income each year or 5,000 baht

Cautions before deciding to buy RMF

As with any other type of investment, investing in retirement funds like RMF comes with risks that need to be carefully considered.

Moreover, buying RMF is not only investing in mutual fund but also available in almost all types of assets. Investors can choose from a variety of investments in order to manage risks according to desired goals.

And investors can also manage their RMF investment portfolio as needed. But it cannot be sold before the age of 55 years or before the specified investment period.

How to invest in RMF?

Effective RMF investment starts with setting saving goals. Carefully plan your saving. This is in order to be invested continuously. And does not impede their own financial liquidity

Although many people say that investing in RMF is relatively safe and low risk, DAOL INVESTMENT MANAGEMENT always wants you to keep in mind that every investment has risks. But the feeling of "high risk" and "low risk" of each person is not equal.

In order to be able to choose RMF to match your needs and saving goals. And can initiate opportunities to receive returns for the desired retirement goals. Every investor should make a decision and consider the details of each fund carefully before investing.

In addition, investors should also try considering. If you have to save long-term savings and can use it after the age of 55 or more, do you have enough strength and readiness to do it? Because if it's overpowered, except for the risk of breaking the conditions, you may be charged additional retrospective taxes.

Everyone will be able to effectively pave the way for their desired retirement plan through investing in RMF. If you want to start buying RMF mutual funds to extend your savings along with investing. But not sure how to start investing or already have an RMF but want to continue investing. DAOL INVESTMENT MANAGEMENT comes with a highly experienced investment team, ready to provide services and advice on investment matters. So that everyone can initiate opportunities to receive returns in their own way, both globally and internationally. And you can invest and trade easily through mobile applications.

Open an RMF investment account with DAOL INVESTMENT MANAGEMENT without submitting documents. Interested in considering an RMF or consulting additional experts? For inquiries, please contact customer service at 02 351 1800 ext. 2 or start an online account.

See more details

An investor is recommended to study the product's terms and policies and risk before investing.
Investors should also study information about tax benefits specified in the investment manual of such mutual funds.
If investors do not comply with investment conditions will not receive tax benefits and will have to return the tax benefits previously received along with additional payments and penalties according to the Revenue Code.
As DAOL-GOLDRMF and DAOL-GLOBALEQRMF fund is invested in foreign equity and the currency hedging is not whole, the investor might gain profit or face with loss from the fluctuation in the currency.
Although t money market mutual fund can only be considered low-risk assets. But there is a chance to lose.
For more details contact DAOL INVESTMENT MANAGEMENT or Selling agents.

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