Counting down the last two months of the year, which not only marks a farewell to the old year but also serves as the "final stretch" crucial for investors planning to save on taxes through tax-advantaged mutual funds.
The challenge lies not only in the tight timeframe but also in the looming volatility of the global market. Investment decisions at this juncture require more meticulous planning than usual to maximize both tax deductions and return opportunities.
To clarify doubts and develop investment strategies, Thairath Money interviewed investment expert Bodin Putthin, Director of Investment Strategy at Eastspring Asset Management (Thailand) Co., Ltd., on Thairath Money Night Stand EP.22, who provided answers and emphasized four key considerations before making decisions.
Counting down less than two months: Is it still possible to buy tax-advantaged funds now?
Regarding tax planning in the last two months of 2025, Bodin believes it is still feasible but requires careful planning due to the tight schedule, emphasizing four crucial points to consider thoroughly.
1. Study your income and deduction limits: The first step is to assess your annual income to determine the maximum investment amount eligible for tax benefits.
2. Understand investment conditions: Each type of tax-advantaged fund has different purchase and holding requirements, which must be carefully reviewed.
3. Assess risk tolerance: Tax-advantaged funds come in various forms and risk levels; investors need to evaluate their risk capacity to make informed decisions.
4. Check the final purchase date: Although in Thailand purchases may be made until the last business day, foreign funds might have closed their markets earlier. Therefore, it's advisable not to wait until the last day and to start planning staggered investments now.