Investment Planning

Our “Investment Planning” service helps you analyze your current financial status, set financial goals, and create an investment plan that suits your risk tolerance. We provide advice on various asset allocations, including stocks, bonds, real estate, and other alternative assets to spread your risk and increase your chances of achieving your target returns.
In addition, we develop investment strategies that meet the changing economic and market conditions, and recommend appropriate financial products such as mutual funds, investment-linked life insurance, and provident funds, as well as provide knowledge on investments, taxes, and retirement planning to help you understand the big picture and see the future potential of your investments.
Our team consists of experienced investment planners and investment advisors. We monitor changes in the market and adjust your investment plan periodically to ensure that your investments remain consistent with your life and financial goals. In addition to retirement planning, we also help you effectively plan for your legacy, so that you can create financial security and success for the next generation.
Investment planning is an important step in building wealth and increasing your assets. The team at JWN Wealth Advisors is ready to provide investment advice that will help you achieve your financial goals effectively and steadily.

Asset allocation refers to dividing your investments into different asset classes, such as stocks, bonds, and cash. The decision to do this depends on your individual needs and goals. The right allocation will vary at different stages of your life, depending on your investment horizon and your risk tolerance.

Factors to Consider in Asset Allocation:

– **Investment Timeframe:** The investment horizon is the time period you intend to invest in order to achieve your financial goals. Investors with a longer time horizon may be able to take on more risk, while those with a shorter time horizon may choose investments with less risk.
– **Risk Tolerance:** This refers to your ability and willingness to accept the risk of losing some of your investment in exchange for the opportunity to earn higher returns.

Diversification

Diversification involves spreading your investments across a variety of assets to reduce risk. Diversification can be described simply as “not putting all your eggs in one basket.” For example, if one asset class performs poorly, another may perform better.

A good way to diversify is to invest in a variety of asset classes, such as stocks, bonds, and cash, as well as in a variety of industries, such as healthcare, technology, and consumer goods. Holding investments across a variety of sectors can reduce risk if a sector underperforms.

Some people may choose to use mutual funds to help diversify their risk. Mutual funds are vehicles that pool money from many investors and invest it in a variety of stocks and bonds, which makes it easier to spread risk. However, if a mutual fund focuses on a particular industry sector, you may need to invest in multiple funds to properly diversify your risk.

Rebalancing

Rebalancing means bringing your portfolio back to its original asset allocation. Over time, some types of investments may grow faster than others, which can cause your portfolio to become unbalanced. Rebalancing helps you reduce risk by selling assets that are overweight and buying assets that are underweight.

There are several ways to rebalance, such as selling assets that have outgrown their weight and investing them in assets that are underweight, or changing your contributions to underweight assets.

Some investors recommend rebalancing every 6 or 12 months, or when one asset class grows or declines beyond a certain level. Rebalancing may sound contradictory, like selling a performing asset to buy a performing asset, but in the long run, it can help reduce risk and increase returns.

Asset allocation is an important strategy that helps manage investment risk and helps your portfolio grow sustainably over the long term. Whether you are a small or large investor, Asset Allocation is an important part of making your investment successful.

SSF, RMF, LTF, and TESG funds are important financial instruments that help you plan your finances and long-term investments effectively. Each fund has different objectives and tax benefits.

1. SSF (Super Savings Fund)
SSF is a tool suitable for long-term savings and uses tax benefits to reduce annual income. Investors can choose to invest in a variety of assets, including stocks, bonds, or debt instruments, depending on their acceptable risk. You can deduct taxes from investing in SSF by up to 30% of your annual assessable income (not exceeding 200,000 baht), provided that you hold the fund for at least 10 years.

• Plan long-term goals: SSF helps you create important financial goals, such as saving for education or buying a house in the future.
• Maintain some liquidity: Although SSF must be held for at least 10 years, since the investment is independent, You can choose highly liquid assets to maintain flexibility in your investment portfolio.

2. RMF (Retirement Mutual Fund)
RMF focuses primarily on retirement savings, which has the advantage of higher tax benefits and creates stable income during retirement. Investors can deduct up to 30% of their annual income, but not exceeding 500,000 baht. Investing in RMF must be done continuously every year (no more than 1 consecutive year can be missed) and must be held until the age of 55.

• Suitable for flexible retirement planning: You can choose a variety of investment assets according to your life stage, such as investing in stocks during your working years and switching to bonds or debt instruments when you are close to retirement.
• Promote consistent investment: This fund encourages you to have discipline in investing continuously every year. This allows you to build a steadily growing investment portfolio.

3. LTF (Long-Term Equity Fund)
Although LTF funds no longer have tax benefits, for those who still hold LTFs, this fund is still an important tool to increase the opportunity to generate returns from long-term stock investments. If there are no conditions regarding the investment period, it should be considered to adjust to find other suitable investment opportunities.

• Create long-term returns: LTF is suitable for investors who want to invest in stocks that have the opportunity to generate high returns in the long term, especially during bull markets.
• Portfolio diversification: Although there are no new tax benefits, LTF is still a good fund for diversifying stock investment risks.

4. TESG (Thai Equity Super Growth Fund)
TESG is a fund suitable for investors who want to invest in companies that are socially responsible, environmentally responsible, and have good governance (ESG), which is an investment approach that is becoming increasingly popular. You can buy no more than 30% of your annual income and no more than 300,000 baht. You must hold the fund for at least 5 years.

• Focus on sustainability: Investing in companies that focus on sustainability gives your investment portfolio the opportunity to grow in the long term, while reducing the risk of economic and social changes.
• Create returns while promoting society: This fund not only provides financial returns, but also helps create a positive impact on society and the environment.

Using tax-deductible funds for long-term financial planning
For effective financial planning, you can combine investments in various funds according to your goals and investment period, such as:
SSF for medium- to long-term goals, emphasizing flexibility and the ability to select assets
RMF for retirement goals that require long-term stability and tax benefits
TESG to support financial growth while promoting companies with good governance

However, you should also consider the investment method that is appropriate for your goals.

• Diversify your risk: Invest in a variety of funds to spread your risk.
  Allocate your investment according to your age: Adjust your investment proportion to your age and the period before retirement.
• Invest regularly: Use the Dollar-Cost Averaging investment method to reduce the risk from market volatility.

  Take advantage of tax deductions: Plan your investments to maximize tax benefits.

  Review and adjust your investment plan: Review and adjust your investment plan regularly to align with your goals and changing circumstances.
  Investing in these funds also helps to spread your risk by selecting a variety of assets and adjusting them according to your market and financial situation.
  You can choose to invest in funds that fit your asset management strategy through JWN Wealth Advisors partners to provide you with access to the best investment products that meet your needs. Our team is ready to advise and support you in choosing the most suitable funds so that your investments can effectively and sustainably meet your financial goals.