Which mutual fund bank is good? Selection techniques and 10 recommended projects for the year 2026

Are You Truly Ready to Get Started?

“Want your money to grow, but don’t know how to plan”—this question is on the minds of almost all novice investors. But the truth is, investing isn’t a game only for those with “a lot of money.” With the right strategy, even ordinary people can confidently and systematically build financial security through mutual funds.

What Are Mutual Funds? Why Are They Interesting for Everyone?

If explained simply, Mutual Fund (Mutual Fund) is a pooling of money from many investors into a large fund, then entrusted to a professional called a Fund Manager (Fund Manager) who works at a fund management company (Asset Management Company (AMC)) to manage and invest on your behalf.

When we invest money, it is converted into Units (Units), whose value is called NAV (Net Asset Value). NAV is calculated and announced every business day, reflecting the overall gains or losses of all assets held by the fund.

Who is it really suitable for?

Beginners lacking knowledge: No need to understand stock analysis, as professionals will handle it.

People who don’t follow market news: The fund manager will do that and monitor investments constantly.

Risk-averse investors: Funds help diversify across various assets, even with a small capital.

Tax-saving investors: Some funds like SSF, RMF, ThaiESG offer tax benefits.

With large capital: Fund managers can negotiate and access opportunities unavailable to individual investors, such as certain IPOs or limited private corporate bonds.

How Many Types of Mutual Funds Are There? What Are the Differences?

Categorized by Asset Class (Asset Class)

1. Money Market Funds (Money Market Fund): Lowest risk, suitable for short-term parking, investing in deposits, short-term debt instruments.

2. Fixed Income Funds (Fixed Income Fund): Low to moderate risk, focus on bonds, debentures, corporate bonds.

3. Equity Funds (Equity Fund): High risk, high potential for long-term gains.

4. Hybrid Funds (Hybrid Fund): Adjusts stock-bond ratios based on market conditions.

5. Alternative Funds (Alternative Fund): Invests in gold, oil, real estate; highest risk.

Categorized by Special Strategy

Index/ETF (Index/ETF): Tracks an index, low fees.

Sector Funds (Sector Fund): Focus on a single industry, high risk but higher profit potential if trend predictions are accurate.

Foreign Investment (Foreign Investment): Opens access to global markets.

Tax Benefits: SSF, RMF, ThaiESG.

How to Choose a Good Mutual Fund? Follow These Steps

Step 1: Analyze Yourself Before Looking at Funds

Investment Goals: Why are you investing? Retirement? Buying a house? Education?

Time Horizon: How long until you need the money? Longer horizon = higher risk tolerance.

Tolerance: Can you sleep well if your portfolio drops 10-20%?

Step 2: Study Investment Policies

Read the Fund Fact Sheet (Fund ID Card) to see what, where, and how the fund invests.

Step 3: Compare In-Depth Data

Past Performance: But beware, “past performance ≠ future results.” See how the fund’s average returns compare to the market.

Maximum Drawdown: An important figure! Shows the worst pain experienced.

Sharpe Ratio: Measures how well the fund generates returns relative to risk.

Total Expense Ratio (TER) (TER): Lower is better, especially over 20-30 years.

10 Mutual Funds to Watch in 2569

The global economy is “a year of volatility returning to recovery.”

2569 is expected to be a year of two halves: the first half may be quieter, but the second half shows signs of recovery. The mega-trend is AI, driving demand for energy, infrastructure, and semiconductors.

Thai dividend equity funds: Position yourself for uncertain markets

1. SCBDV (SCBDV)

• Managed by: SCBAM
• Strategy: Invest in large-cap SET stocks with consistent dividends (Energy, retail, banking)
• Risk: 6/10
• Suitable for: Investors needing cash flow during investment

2. Krungsri Dividend Equity Fund (KFSDIV)

• Managed by: Krungsri Asset Management (KSAM)
• Strategy: Dividend stocks, mix of large and mid-small caps
• Risk: 6/10
• Suitable for: Those seeking dividends with growth potential

International Equity Funds: Team up with global trends

3. KTAM World Technology AI (KT-WTAI-A)

• Managed by: KTAM (Feeder fund via Allianz Global AI)
• Strategy: Companies worldwide benefiting directly from AI
• Risk: 6/10
• Suitable for: Believers in AI’s future, willing to take high risk

4. Bualuang Global Innovation & Technology (B-INNOTECH)

• Managed by: BBLAM (Feeder fund via Fidelity - Global Technology)
• Strategy: Big Tech companies worldwide (Not just AI)
• Risk: 7/10
• Suitable for: Those wanting to be part of the tech revolution

5. Principal Vietnam Equity A (PRINCIPAL VNEQ-A)

• Managed by: Principal Asset Management
• Strategy: Active selection of Vietnamese stocks (Banks, retail, tech)
• Risk: 6/10
• Suitable for: Emerging markets with leapfrog opportunities

( Fixed Income Funds: The fortress of your portfolio

6. Krungthai Short-Term Bond Plus )KTSTPLUS-A###

• Managed by: KTAM
• Strategy: Short-term investment-grade Thai and foreign bonds, average duration under 1 year
• Risk: 4/10
• Suitable for: Low-risk investors, short-term parking, or portfolio buffer

( Flexible Funds: Adjusts according to the rhythm

7. TISCO Flexible Plus )TISCOFLEXP###

• Managed by: TISCO Asset Management
• Strategy: Adjusts stock-bond ratio from 0-100% based on manager’s outlook
• Risk: 6/10
• Suitable for: Investors trusting the manager’s skill, wanting automatic adjustments

( Theme Funds for Changing the World: Invest in the future

8. Krungsri ESG Climate Tech )KFCLIMA-A###

• Managed by: KSAM (Feeder fund via DWS Invest ESG Climate Tech)
• Strategy: Companies solving climate issues (Clean energy, EV charging)
• Risk: 6/10
• Suitable for: Investors seeking sustainable future investments

9. K-Global Healthcare (K-GHEALTH)

• Managed by: KAsset (Feeder fund via JPMorgan - Global Healthcare)
• Strategy: Pharmaceutical, medtech, global healthcare services
• Risk: 7/10
• Suitable for: Defensive growth seekers, essential in all market conditions

10. Asset Plus Sustainable Thai Stocks (ASP-THAIESG)

• Managed by: Asset Plus Fund Management
• Strategy: Thai stocks with strong ESG profiles (SET ESG Rating)
• Risk: 6/10
• Suitable for: Investors wanting quality Thai stocks with ESG focus, tax benefits

Pros and Cons of Choosing Mutual Funds — What You Must Clearly See

( Advantages

• Easy diversification: With less money, own a variety of assets
• Professional management: No need to monitor markets, analysts handle it
• High liquidity: Can buy/sell every business day, cash out easily
• Low initial capital: Many funds start at hundreds or thousands of baht
• Many options: From low to high risk

) Disadvantages

• Accumulating fees: Eat into returns over time
• Lack of control: Decisions made by the manager, not selecting stocks yourself
• Manager risk: Poor decisions by the manager can hurt performance
• Dividend tax: Dividends are taxed at 10% withholding

Mutual Fund Fees: Less Dangerous Than You Think

Direct Fees

• Sales fee: Charged at purchase ###e.g., 1.5% = invest 10,000 Baht, net 9,850 Baht###
• Redemption fee: Charged when selling (rarely used now)
• Switching fee: When transferring between funds of the same AMC

( Hidden NAV Fees

Deducted gradually daily, often unnoticed:

• Management fee: Paid to the AMC for management
• Custodian fee: Paid to the bank for safekeeping
• Registrar fee: For maintaining unit holder data

All these form the Total Expense Ratio )TER###, which should be compared.

Tip: A TER difference of just 1% per year over 30 years can cause the final portfolio to differ by dozens of percent.

When Is the Right Time to Start Investing in Mutual Funds? Now Is Not Too Late

Mutual funds have proven over decades to be a wealth-building tool. 2569, a year full of uncertainty, also offers many opportunities. All you need is to prepare yourself with knowledge and choose the right mutual fund that aligns with your goals, timeline, and risk tolerance.

Start by understanding yourself, then study and compare funds thoroughly. Remember: Long-term investing is a marathon, not a sprint. Success comes from choosing good funds and letting them grow over time.