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A mutual fund pools money from multiple investors and entrusts professional fund managers to invest in various securities such as stocks, bonds, and deposits according to the investment policy stated in the prospectus. The advantage is that retail investors can access diversified investments with a relatively low minimum investment.

You can open a mutual fund account through 3 channels: 1) Via the LH Fund mobile app with NDID identity verification 2) Visit our LH Fund office with your ID card, house registration copy, and bank book copy 3) Through authorized distributors such as banks or securities companies.

The minimum investment for most funds is THB 1,000. For RMF and SSF funds, the minimum is THB 500. Subsequent investments use the same minimum. This varies by individual fund, so please check the prospectus for details.

NAV (Net Asset Value) is the net value of a fund's assets per unit, calculated by taking total assets minus total liabilities, divided by total outstanding units. NAV is announced every business day, with domestic funds announced within 1 business day and international funds taking 2-3 business days.

RMF funds allow tax deductions up to 30% of assessable income but not exceeding THB 500,000 (combined with other retirement funds), with continuous investment required until age 55. SSF allows deductions up to 30% of income but not exceeding THB 200,000, with a minimum 10-year holding period. Combined with provident fund and pension insurance, the total must not exceed THB 500,000.

You can redeem fund units through the LH Fund app, website, or at our office on any business day before the cut-off time of 15:30. Processing time depends on fund type: money market T+1, fixed income T+2, Thai equity T+3, international funds T+4 business days.

Main fees include: 1) Management Fee charged annually from the fund's NAV, approximately 0.27-1.87% depending on fund type 2) Front-end Fee up to 1.5% when purchasing 3) Back-end Fee applied in some funds when redeeming 4) Switching Fee. RMF/SSF funds typically waive purchase fees.

Yes, you can switch fund units between funds within permitted groups, such as between general funds or between RMF funds. Switching fees may apply depending on source and destination funds. Switches use the NAV on the transaction date and can be processed through the app or office.

Key RMF conditions: 1) Must invest continuously every year or at least every other year 2) Minimum annual investment of 3% of income or 5,000 THB (whichever is lower) 3) Must hold until age 55 with at least 5 years of investment 4) Violating conditions requires repayment of deducted taxes with 1.5% monthly surcharge, and gains from redemption become taxable.

Opening an account via the LH Fund app uses the NDID system for identity verification. Prepare: 1) Valid ID card 2) Bank account number for receiving redemption proceeds 3) Email and mobile phone number. Account opening takes only 10-15 minutes, and you can start investing immediately after successful account opening.

Choosing the right fund should consider: 1) Take the Suitability Test to determine your appropriate risk level 2) Consider investment horizon - 5+ year horizons can accommodate equity funds 3) Consider goals such as retirement savings, tax deductions, or income generation 4) Diversify across multiple fund types. The LH Fund app includes a tool to recommend suitable funds.

Accumulation funds do not pay dividends - all returns are retained in the NAV, causing it to grow over time, ideal for long-term wealth building. Distribution funds pay dividends to unitholders periodically (1-4 times per year), with NAV adjusting down after payments, suitable for those seeking regular income.

Yes, international funds carry currency exchange risk since Thai baht must be converted to foreign currencies for investment. If the baht strengthens, returns converted back to baht decrease, and vice versa. Some funds hedge currency risk partially or fully - please check the hedging policy in the prospectus.

You can set up an automatic DCA plan easily through the LH Fund app: 1) Select the fund you want to invest in 2) Set the monthly investment amount (minimum 1,000 THB) 3) Choose the deduction date each month 4) Link your bank account for automatic deduction. The system will automatically purchase funds monthly. You can modify or cancel the plan at any time.

For individuals: 1) Capital gains from general mutual fund redemptions are exempt from personal income tax 2) Dividends from mutual funds are subject to 10% withholding tax, with the option to treat it as final tax 3) RMF/SSF funds that meet all conditions are exempt from tax on both gains and dividends.