Promotions/Fund Highlight
Promotion for 2025 RMF/ Thai ESG Regular Investing
Special promotion when investing according to T&Cs*
*Special Promotion: When investing in RMF/ Thai ESG regularly for 12 consecutive months in 2025 according to terms and conditions, investors will receive KFCASH-A valued at 0.5% of the accumulated value of investment.
Every fund has a minimum investment of only 500 Baht.
*Details/ terms & conditions for entitlement to KFCASH-A units.
- This promotional campaign does apply only to individual investors making a regular investment by themselves or applying for the Regular Investment Plan service in RMF/ Thai ESG funds except KFCASHRMF, and any new RMF/ Thai ESG funds in 2025 according to the Company's announcement for exemption, with the fixed investment amount each month for 12 months starting from Jan. – Dec. 2025.
- The qualified investment amount must be the amount invested in the same fund with equal amount in each month for consecutive 12 months. In case investors would like to invest regularly with the fixed amount of money for more than one fund, the Management Company will calculate investment amount of each fund separately.
- In the absence of subscription orders in any month regardless of the reasons; facts that investors fail to subscribe fund and that the Management Company is not able to deduct from saving account and/or charge to the credit card account applied in the investor’s Regular Saving Plan resulting in discontinuous investment; they will be regarded a breach of this promotion condition and the total investment amount will not be calculated for the entitlement to KFCASH-A units.
- In case investors subscribe fund by themselves and/or apply for Regular Investment Plan for 12 consecutive months but the investment amount is not equal each month; smaller or larger amount in some months regardless of the reasons, the Management Company will calculate by multiplying the smallest amount x 12 to get the total investment amount for the entitlement to KFCASH-A units since it will be regarded the actual amount of 12 consecutive months.
- Eligible investment amount from this promotion will be not considered for other promotions in 2025, but the investment amount exceeding the total eligible investment amount and incorrect investment amount from this promotion will be calculated according to the “Annual RMF/ Thai ESG Promotion 2025” according to terms and conditions.
- Investors must hold investment units invested during the promotion period without redeeming or switching investment units to KFCASHRMF or other non-participating funds for this promotion until 31 Mar'26, which is the date the Management Company will calculate the net accumulated investment for the entitlement to KFCASH-A units.
- This promotional campaign is not applicable to the investments made by juristic/ institutional investors and provident funds.
Investment Examples
Mr. A invests regularly in the following funds:
( / ) KF1MILDRMF at 10,000 Baht from Jan - Dec'25, totaling consecutive 12 months reaching the investment amount at 120,000 Baht.
Thus, Mr. A will receive 600 Baht of KFCASH-A units.
Mr. B applied for the Regular Investment Plan in the following funds:
( / ) KF1MILDRMF at 5,000 Baht from Jan - Dec'25, totaling 12 months reaching the investment amount at 60,000 Baht.
( / ) KFTHAIESG at 3,000 Baht from Jan - Dec'25, totaling 12 months reaching the investment amount at 36,000 Baht.
( X ) KFGBRANRMF at 3,000 Baht from Jan - Dec'25, totaling 12 months reaching the investment amount at 36,000 Baht. However, in Jan'26, he switched the total investments into KFCASHRMF that is the fund exempt from promotion.
Thus, there are two funds investing in 12 consecutive months as follows:
- KF1MILDRMF = 60,000 Baht of investment
- KFTHAIESG = 36,000 Baht of investment
Thus, Mr. B will receive 480 Baht of KFCASH-A units.
Mr. C applied for the Regular Investment Plan in the following funds:
( X ) KFGBTHAIESG at 5,000 Baht from Jan - Dec'25, but no direct debit payment done in June and no fund subscription in the same month. Thus, his total investment is considered a breach of condition (regardless of a fact that any investment will be made in the next month or not).
( / ) KFNDQRMF at 2,000 Baht from Jan - Dec'25, totaling 12 months with additional investments in July and December at 20,000 Baht each month. His total investment reached 64,000 Baht.
( / ) KFWINDXRMF at 5,000 Baht from Jan – Apr'25, at 7,000 Baht from May – Nov'25, and at 10,000 Baht in December, totaling 12 months with 79,000 Baht of investment.
In this case, there are only two funds investing in 12 consecutive months, which are:
- KFNDQRMF = 24,000 Baht of investment based on the multiple of lowest amount/ month - 2,000 Baht x 12
- KFWINDXRMF = 60,000 Baht of investment based on the multiple of lowest amount/ month - 5,000 Baht x 12
Thus, Mr. C will receive 420 Baht of KFCASH-A units, while the remaining investment at 114,000 Baht will be calculated to receive the annual RMF/ Thai ESG promotion entitlement.
- The Management Company will transfer KFCASH-A units according to the investment and entitlement conditions to investors within 30 Apr. 2026, while the KFCASH-A units will be calculated at its NAV price on the allocation date.
The Management Company reserves the rights to change the promotional conditions without giving prior notice. In case of any dispute, the Management Company’s decision shall be deemed final.
More convenient access to fund subscription with automatic set-up of your RMF/ Thai ESG Regular Investment to prevent skipping the transactions through the following channels:
- Krungsri Asset’s @ccess Mobile App, click here or @ccess Online Service, can log in to the system, click here.
- krungsri app of Bank of Ayudhya (for customers opening fund account through Bank of Ayudhya branch), click here.
And now you can redeem your credit card points of all Krungsri credit card types (except Krungsri Corporate Card)
to invest in any RMF/ Thai ESG through @ccess Mobile Application and @ccess Online Service on a condition that 1,000 points = 100 Baht of fund units. | See terms and conditions, click here.
For KFCASH-A details, click here.
For investment manual of RMF/ Thai ESG, click here.
Fixed Income Funds
Mid-term fixed income
KFAFIXRMF (Krungsri Active Fixed Income RMF)
- Invest in mid-term debt instruments with a focus on quality private debt instruments through the Active Investing strategy that has flexible portfolio management.
- Opportunity to generate attractive excess returns to reduce portfolio volatility after the overall policy interest rate in many countries around the world, led by developed countries, have entered a downward interest rate cycle and become a force for the trend of capital movement into emerging markets.
- Suitable for investors looking for opportunities to generate better returns than short-term fixed income and can tolerate moderate volatility
Source: Krungsri Asset Management as of Oc’24.
Global fixed income
KFSINCRMF (Krungsri Global Smart Income RMF)
KFSINCFXRMF (Krungsri Global Smart Income FX RMF)
- Invest in the master fund titled PIMCO GIS Income Fund that focuses on generating the consistent income from multiple sources of income through a diversification into a combination of high quality and high yielding instruments, including government bonds, private bonds (Investment Grade private and High Yield), and Mortgage-Backed Securities (MBS)/ Asset-Backed Security (ABS) in order to enhance the ability to generate high and consistent return and reduce the volatility stemming from changes of economic conditions and interest rates.
- Suitable for investors seeking more investment diversification into fixed income portfolio and those looking for potential to enhance returns volume for their overall portfolio.
- KFSINCRMF is fully hedged against a foreign exchange risk.
KFSINCFXRMF is hedged against a foreign exchange risk upon the discretion of fund managers.
Thai Equity Funds
- Aim to track the investment returns of SET100 Total Return Index with targeted tracking error (TE) of the Fund and the benchmark to be not greater than 1.00% per annum.
- Opportunity to achieve growth in tandem with the recovery of Thai stock market backed with the supporting factors from the capitals of the Vayupak Fund and political issues that are clearer, including the potentials of implementing economic stimulus policies.
Source: Krungsri Asset Management as of Oc’24.
Foreign Investment Funds
Global Leading Brands
KFGBRANRMF (Krungsri Global Brands Equity Dividend RMF)
- Invest in stocks of leading brand owners with customers base around the world and potential to have a consistent income from the high brand loyalty of their customers.
- These stocks are defensive stocks that are resistant to the economic cycle. Most of them are brands of products used in daily life, such as consumer goods which customers must buy no matter how the economy turns out.
- The master fund, Morgan Stanley Investment Funds – Global Brands Fund has performed exceptionally well with an ability to find the companies with high profitability, who have the potential to generate stable returns during the bull market and can protect the risk of investment during the bear market
- Examples of stocks: Microsoft, SAP, Visa, Accenture, Aon, etc. (Source: Morgan Stanley Investment Management as of 31 Aug’24.)
Rising-Star Stock Indexes
- KFUSINDFXRMF (Krungsri US Equity Index FX RMF): Opportunities to achieve returns from top 500 US companies and the high-flying S&P 500 index as the time has come for both share price and positive factor from downturns of interest rate and Donald Trump's Economic Policies.
- KFNDQRMF (Krungsri NDQ Index RMF): Opportunities to grow with Nasdaq-100, a rising star index in the decade of technology and innovation as a hub for big tech stocks, including the Magnificent 7 companies: Apple, Microsoft, Alphabet, Amazon, META, Tesla, and Nvidia.
- KFWINDXRMF (Krungsri World Equity Index RMF): Opportunity to invest in MSCI ACWI Index, the world equity index composing of companies from both developed and emerging markets countries worldwide supported by the current economic outlook and various factors fueling the global stock markets growth.
Mixed Funds: Comprehensive Asset Allocation
- KF1MILDRMF (Krungsri The One Mild RMF): Focus on investing in debt instruments, low volatility.
- KF1MEANRMF (Krungsri The One Mean RMF): Invest in fixed-income securities, equities, and alternative assets in equal proportions with moderate volatility.
- KF1MAXRMF (Krungsri The One Max RMF): Focus on investing in stocks and alternative assets with high volatility
Invest a variety of assets through selected mutual funds, including fixed income funds, Thai equity funds, and alternative assets through the Krungsri Group's views of allocating investment weights to suit different targets and risk levels while flexibly adjusting the funds’ portfolios proactively to keep up with the situation.
Thai ESG Funds
- KFTHAIESG: Grow with ESG stocks with an opportunity to generate higher returns than the index.
- KFGBTHAIESG: Opportunity of resilient growth with ESG Government bond
Terms & Conditions for subscription of investment units through credit card
- Investors can use the following credit cards under the Krungsri Consumer group to purchase RMF and Thai ESG funds (except KFCASHRMF, KFAFIXRMF, KFGOVRMF, KFLTGOVRMF, KFMTFIRMF, KFGBTHAIESG-A, and any new RMF/ Thai ESG in 2025 according to the Company’s announcement for exemption):
- Krungsri Credit Card of all types, HomePro Visa Platinum Credit Card, Manchester United Credit Card, AIA Visa Credit Card, Siam Takashimaya Credit Card, Krungsri NOW Platinum Credit Card, Central The 1 Credit Card, Lotus Credit Card, Krungsri First Choice Visa Credit Card, and XU Digital Credit Card
- Any investment units from subscription will not join the credit card promotion and reward points accumulation.
- Terms & conditions in using credit cards will be as set forth by the Management Company and the Credit Card Companies.
- The Management Company reserves the right to change the conditions in subscribing the funds through credit cards without giving prior notice. In case of any dispute, the Company’s decision shall be deemed final.
Disclaimers/ Investment Policies
- RMF is the fund promoting long-term investment for retirement. | Thai ESG Fund aims to promote long-term savings and encourage Thailand’s sustainable investment.
- Investors should understand fund features, returns, risks and study tax benefits in the investment manual before making an investment decision. | Investors will not be eligible for tax benefits in an absence of compliance with investment conditions.
- KFAFIXRMF shall invest both onshore and offshore in debt instruments and/or deposits or deposits equivalent issued, certified, avalized, or repayment guaranteed by the government, a state enterprise, a financial institution, and/or private entity, where such instruments are designated as investment grade in either the issue rating category or the issuer rating category. | Risk level 4: Medium to low risk.
- KF1MILDRMF shall invest in only one CIS unit. Minimum 80% of NAV in average of fund accounting year are invested in the Master Fund named, Krungsri The One Mild Fund-I (KF1MILD-I) which managed by Krungsri Asset Management Co., Ltd. The Master Fund will invest on average no less than 80% of NAV in an accounting year in the investment units of at least two domestic and foreign mutual funds and/or exchange traded funds (ETFs) which have the policy to invest in one or several types of assets. | Risk level 5: Medium to high risk.
- KF1MEANRMF shall invest in only one CIS unit. A minimum of 80% of NAV in average of fund accounting year are invested in the Master Fund named, Krungsri The One Mean Fund-I (KF1MEAN-I) which managed by Krungsri Asset Management Co., Ltd. The Master Fund will invest on average no less than 80% of NAV in an accounting year in the investment units of at least two domestic and foreign mutual funds and/or exchange traded funds (ETFs) which have the policy to invest in one or several types of assets. | Risk level 5: Medium to high risk
- KF1MAXRMF shall invest in only one CIS unit. A minimum of 80% of NAV in average of fund accounting year are invested in the Master Fund named, Krungsri The One Max Fund-I (KF1MAX-I) which managed by Krungsri Asset Management Co., Ltd. The Master Fund will invest on average no less than 80% of NAV in an accounting year in the investment units of at least two domestic and foreign mutual funds and/or exchange traded funds (ETFs) which have the policy to invest in one or several types of assets. | Risk level 5: Medium to high risk.
- KFGBRANRMF shall invest at least 80% of NAV in average of fund accounting year in the foreign investment fund named, Morgan Stanley Investment Funds - Global Brands Fund, Class ZX (Master Fund). Risk Level: 6 – High risk | Hedge against currency risk upon fund manager’s discretion. Normally, the Fund will hedge against the exchange rate risk at a particular time for the value of at least 90% of the foreign investment value.
- KFNDQRMF invests in Invesco NASDAQ 100 ETF, the master fund, at least 80% of NAV in average of an accounting period. The Master Fund focuses on investing in the equity securities that are constituents of the NASDAQ-100 Index by investing at least 90% of its NAV in the equity securities issued by 100 of the largest US and non-US non-financial companies in terms of market capitalization that are listed on the Nasdaq Stock Exchange. The management company of the master fund is Invesco Capital Management LLC. Risk level: 6 - High risk.
- KFSINCRMF/ KFSINCFXRMF allocate at least 80% of NAV in each accounting year in a foreign fund titled PIMCO GIS Income Fund (Class I-Acc) (master fund), which invests at least two-thirds of its assets in a diversified portfolio of fixed Income instruments of government and corporate issuers worldwide. | Risk level 5: Medium to high risk.
- KFUSINDFXRMF shall invest in iShares Core S&P 500 ETF, the master fund, at least 80% of NAV in the average of an accounting period. The master fund invests in constituent stocks in S&P 500 index. The investment objective is to replicate the investment return of S&P 500 index. The management company of the master fund is BlackRock Fund Advisors. The fund may invest in structured note and/or derivatives contracts for efficient portfolio management at the discretion of the Management Company. | Risk level 6: High risk.
- KFWINDXRMF shall invest in iShares MSCI ACWI ETF, the master fund, at least 80% of NAV in the average of an accounting period. The Master Fund focuses on investing in the equity securities that are constituents of the MSCI ACWI Index with an objective to track the investment results of the index. The Master Fund will invest at least 80% of its NAV in the equity securities included in such index. | Risk level 6: High risk.
- KFTHAIESG shall invest at least 80% of its NAV in average of fund accounting year in listed stocks in the SET and/or MAI that 1) has been selected by SET or other organizations or institutions that the SEC recognizes as being outstanding in the environment or ESG and/or 2) have disclosed information about greenhouse gas emissions, management plan and setting goals to achieve the goal of reducing the amount of greenhouse gas emissions in Thailand., as well as arranging for a third-party verifier recognized by the SEC Office to conduct carbon footprint verification. In this regard, the SEC Office may also prescribe the guidelines for disclosure of such information by considering the internationally recognized disclosure requirements or standards related to GHG emissions. Risk Level: 6 – High risk.
- KFGBTHAIESG shall invest on average no less than 80% of its NAV in an accounting year in Thai government bonds, bonds with principal and interest guaranteed by the Ministry of Finance, debentures with principal and interest guaranteed by the Ministry of Finance but not including convertible debentures, or any other government sector instruments that are green bonds, sustainability bonds, sustainability-linked bonds. The fund may invest no more than 20% of NAV in average of fund accounting year in other units of mutual funds under management of the Company. Risk level: 6 - High risk.
- KFUSINDFXRMF will not use any tool to hedge against currency risk, while KF1MILDRMF/ KF1MEANRMF/ KF1MAXRMF/ KFGBRANRMF*/ KFNDQRMF/ KFSINCFXRMF and KFWINDXRMF will hedge against currency risk upon fund manager’s discretion. Therefore, these funds may be exposed to currency risk and/or investors may receive return above or below the initial investment. (*Remark: The funds will enter into a forward contract to hedge against the exchange rate risk on average of 90% of the foreign investment value.)
For Thai ESG fund details, click.
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