As an investment instrument :Tax-saving funds, LTF, RMF.
LTF stands for Long Term Equity Fund or the Fund LTF and RMF stands for Retirement Mutual Fund.
The Mutual Fund, a special fund to the investor. The investment in each year for tax purposes.
The details are as follows.
RMF is?
RMF stands for the Retirement Mutual Fund.
Also known as Thai. "Mutual Fund".
One type of fund (a mutual fund means.
The money of many investors have come together professionally.
Which is the company's cash management policy.
Investment is defined), which is different from the special purpose.
General fund is one of the RMF.
Accumulate funds for retirement. The official support.
Tax benefits to investors as an incentive.
LTF is?
LTF stands for the Long Term Equity Fund.
Also known as Thai. "Long-Term Equity Fund."
The Fund invests in the stock. The officially supported.
Be established to increase the proportion of institutional investors (that is.
Fund) to long-term investment in the stock market.
Increasing institutional investors will help the Thai capital market.
The more stable the investment in the LTF.
Individuals are entitled to a tax benefit.
Incentive to invest.
RMF is right for me?
For all groups that want to save money for retirement.
Furthermore Those who have no welfare savings.
Such as provident fund or retirement fund.
Government Pension Fund (GPF) is compatible with.
Such benefits are savings, but also more than the other.
LTF is right for me?
For all groups that want to invest in the stock long term.
But may lack the expertise to invest in the stock.
Or no time to invest through mutual funds as investors.
Must understand and accept the risks of the investment.
And conditions relating to the period of investment.
RMF has an investment policy?
There is a wide choice of investment funds.
From the general fund that invests in low risk level.
Such as bonds, bond funds with risks.
Medium that may be a combination of investments in debt securities.
And equity to fund a high level of risk.
Invests in equity securities such as stock warrants.
Shares (warrant).
LTF is an investment policy?
The investment policy is to only invest in shares.
Listed on the Stock Exchange. Not less than 65 percent.
The Fund's net asset value. It may focus on the investment.
The SET50 stocks or investment shares by industry groups.
Shares in a company's management should be based on.
Detailed investment policy of each LTF.
RMF is different from the general fund, how?
1. If investors met to receive tax benefits.
2. Do not be transferred or pledged to the fund.
Guarantee it.
3. Has not paid dividends.
LTF is different from the general fund, how?
1. If investors met to receive benefits.
For tax purposes.
2. Do not be transferred or pledged to the fund.
Guarantee it.
3. Fund. Requiring redemption.
Not more than 2 times a year.
RMF's investment criteria is?
In order to get tax incentives to invest in RMF.
The following conditions.
• to collect money continuously. The RMF's investment unit at least once a year.
• The minimum investment is 3% of income in each year.
$ 5,000 (depending on whichever is lower).
• invest up to 15% of income in each year can not exceed 500,000 Baht
• Do not suspend the purchase of investment units of more than one consecutive year.
(Except for any that are not income because they do not have to invest 3%.
Of income equal to $ 0 $ 0).
• The redemption accomplished when the investor not less than
55 years and to invest not less than 5 years.
LTF's investment criteria is?
In order to get the tax benefits of investing in the LTF.
Provided that. When an investor must invest in LTF for not less than 5 years (after the calendar year. Since the beginning.
The first investment was the first and count the money to invest separately in each year, in the year 2547 will be completed in 5 years, beginning in January 2551.
During the year 2548.
The end of 5 years from January 2552 onwards).
However, that the conditions for investment by the RMF?
1. Suspend the purchase of investment units of more than one consecutive year.
2. The minimum investment is not in accordance with a predetermined threshold.
3. Redemption before the investment is 55 years of age.
4. Redemption prior to the completion of 5 years if the investment is considered as one of the conditions for investment. Unless an investor or death disability causes.
Fail to comply with such conditions. If conditions are not considered.
Investment
However, that the conditions for investment by the LTF?
To redemption prior to maturity is five calendar years.
Terms of investment, the investment case of death or disability. It is impossible to comply with such conditions.
Conditions will not be considered an investment.
What happens to the investor. If a fault condition.
Investment?
Investors will not get tax benefits anymore.
And shall proceed as follows.
1. If you invest less than 5 years and is the wrong term.
• a refund of the tax exemption during the past 5 years.
(Based on calendar year).
• The redemption of the income tax paid surplus.
(capital gain) by the profits derived from the resale.
The total amount of the sale to pay income tax.
In practice. When investors sell. Asset Management Company.
The Fund will pay tax at 3% of net surplus.
Before and on the investor to submit the income tax is calculated.
Again, it will have to pay taxes or not.
What happens to the investor. If a fault condition.
Investment?
Investors will not get tax benefits anymore.
And shall proceed as follows.
1. Shall be exempt from tax refunds. With funds rate.
1.5 percent per month since January of last year's study.
Investors apply for tax exemption. Until last month, has filed a return.
Therefore, investors should submit the tax refund available.
Once payment has been made conditional on investment.
No need to wait until the regular tax.
2. Have to pay capital gains tax (capital gain).
By the profits derived from sales back into their money.
Income tax return for last year. In practice.
When investors sell. Asset Management Company.
The withholding tax of 3% of net surplus before.
Checklist before you invest in RMF in?
I myself want to save for retirement. With the discipline to save regularly and long term.
Know yourself - that is aiming to invest as much money one can gain. And accept the risks of the investment size.
About the product - that the investment policy of the RMF to prospective investors, such as low, medium or high risk.
Result of the company. Quality of Service. Including management fees and expenses invested in RMF that's right for you, remember to use the principle of diversification of investments that "Do not put eggs in one basket" of investments. If you do not know where to start. May seek information from the CallCenter Association of Investment Management Companies.
Checklist before you invest in LTF in?
I own the risk of investing in higher levels.
The LTF will be invested in the stock. The allocation of money invested by the master mind. Diversification (asset allocation) and not with the total investment.
Investment in the LTF.
Ready to invest in the long term not less than 5 years.
If you do not know where to begin, however, may seek information from
Call Center Association of Investment Management Companies.
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