อยากเริ่มลงทุนต้องทำอย่างไร? หลายคนอาจมีคำถามนี้โผล่เข้ามาในหัว แม้ว่าในปัจจุบันเราจะสามารถหาข้อมูลเกี่ยวกับการลงทุนได้มากมายหลากหลายรูปแบบ ไม่ว่าจะเป็นหนังสือ YouTube หรือแม้กระทั่งปรึกษาคนรู้จัก แต่อีกหนึ่งปัญหาที่หลายคนมักจะเจอคือข้อมูลที่เยอะไปหมดจนไม่รู้จะเริ่มอย่างไร จึงเป็นที่มาของรายการ Smart Invest by ttb smart port เอพิโสดแรก ซึ่งเราจะพาทุกคนไปร่วมค้นหาเส้นทางการลงทุน พร้อมทั้งปูพื้นฐานเบื้องต้นสำหรับผู้ที่ยังไม่เคยลงทุน เพื่อให้คุณลงทุนได้อย่าง Smart และง่ายขึ้นกว่าเดิม โดยพูดคุยและแลกเปลี่ยนมุมมองการลงทุนผ่านประสบการณ์ของ ‘เฮียวิทย์’ วิทย์ สิทธิเวคิน และ ‘เฟิร์น’ ศิรัถยา อิศรภักดี

สนใจลงทุนผ่านแอป ttb touch คลิก: https://www.ttbbank.com/smartinvest/purchase
ดูรายละเอียดกองทุน ttb smart port เพิ่มเติม คลิก: https://www.ttbbank.com/smartinvest/podcast
ปรึกษาเรื่องการลงทุนผ่าน ttb investment line โทร. 1428 กด #4
ทุกวันจันทร์-ศุกร์ เวลา 09.00-17.30 น. (ยกเว้นวันหยุดธนาคาร) หรือที่ ttb ทุกสาขา

การลงทุนมีความเสี่ยง ผู้ลงทุนควรทำความเข้าใจลักษณะสินค้า เงื่อนไข ผลตอบแทนและความเสี่ยงก่อนตัดสินใจลงทุน กองทุนรวมที่มีการลงทุนในต่างประเทศและไม่ได้ป้องกันความเสี่ยงของอัตราแลกเปลี่ยนทั้งจำนวน ผู้ลงทุนอาจจะขาดทุนหรือได้รับกำไรจากอัตราแลกเปลี่ยน สนใจลงทุนและรับหนังสือชี้ชวนได้ที่ ttb ทุกสาขา

Time Index
00:00 เปิดรายการ
02:21 ความมั่นคงทางการเงิน
04:24 ออมก่อนใช้
06:10 รู้จักสินทรัพย์ลงทุน
13:01 กองทุนรวม
16:37 NAV คืออะไร
18:20 เปิดพอร์ตลงทุน

ติดตาม Smart Invest by ttb smart port ในช่องทางอื่นๆ
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#SmartInvest #ttb #TheStandardPodcast

Someone asked me, do you have a financial stability?

How did you build your financial stability?

We're going to talk about this in a simple way.

What I envy the most is that you know about money since you were young.

So I have to ask you, what is the trigger that makes you think that you have to save money?

You have to invest because people around you are young.

What you think is that you get money, you spend it.

What triggered you to say, no, I have to save money, I have to invest.

I was in the New Generation Investment Program of the Thai National Stock Exchange.

I felt that investment was very easy and I could make a living from it.

I didn't know anything about it at that time.

I just knew about the general fund and the assets of the company.

When I grew up, I realized that I could only make money from my work.

Many people believe that if they are still studying or just started working,

If you want to invest, you have to be open-minded.

have money but you don't use it, how do you do it?

Especially those who just got their first salary or those who have worked for a while.

They feel like they need to have something.

Or they want to live the life they want to live but don't have it.

For example, when you you're studying, you may ask for money from your parents.

You should use it to the fullest and create happiness for yourself.

If you work hard, work hard, play harder, pay hard, and pay a lot.

After I joined the investment program, I looked back at myself and thought, what can I do?

They taught me to be diligent, honest, and save.

I'm from the same school, but I can do something.

So, if you want to start a loan, you need to know if you can use it before you start.

If you can get 20-30% of the income, that's good.

If you have 10, 000 baht, save 10%, 1, 000 baht.

have 20, 000 baht, save 10%, 2, 000 baht.

If you can do this, you can say that you have a checklist of 1, 000 baht.

Wow, I have to say that the basic is the financial aspect.

We know how to save money, how to save money first.

But for a new investor, I have to say that I started fast.

You said you had some knowledge about finance.

Some people say there are so many industries.

The foreigners say good start is half done.

For example, the lowest risk is being a debtor.

When people borrow money and they have to give it back, it's considered a low risk because they have to pay it back with the money.

Being a debtor is buying a type of asset called a bond.

There are government bonds and private bonds, which are called bonds.

It's like they are borrowing money to do some business.

For example, if you are a government employee, you have government bonds.

For example, you have a subsidiary bond, or a cash bond, or a Thai bank bond.

Because you think the government won't be able to pay you back.

I know I got a little guy I did a high risk high return but I'm not a return I got a friend

that I classic But it led to a lot of returns.

I heard people say, when people first enter the industry, they will ask, invest

And the person next to me said, don't you start investing?

Portfolio means a portfolio of money that has a lot of space.

It's like we put in different forms of investment.

Stocks might be different from the currency Some people invest in real estate.

The good thing about real estate is that the price will go up gradually.

If you invest in rental, you get passive income.

We talked about active income, this is passive income.

Because you buy a house, a condo, and you sell it.

So when you buy any assets, you have to look at the pros and cons.

And besides stocks, what else do you invest in?

Real estate is a time-consuming business.

So when you buy real estate, you have to consider the pros and cons.

Besides real estate, what other investments do you make?

I'm a man who spends more money than I save.

He walked up to me and asked, where are you going?

So I know that the money I have is worth it.

Because stocks are good when the economy is good.

Who likes something that has a price and you can invest in it?

But some investors say that if you choose the right model, the price will be higher.

But some people say there are many things.

There are many things that we can see in the future.

So, there are many things in investment that we focus on the value in the future.

But of course, we have to have enough knowledge.

It's not like you suddenly walk into the 405.

If we don't have much knowledge, we talk about this, Each person has a technique.

For example, when you first opened the door to the world of investment, what did you do?

But some people don't know what they're good for.

I went back to the first day I invested, when I was

I didn't have any knowledge or experience in the field.

So you know about investment and you use that money to work.

They must pass the qualification test before they can manage a large amount of money, millions of baht, to us.

And they also have partners who are foreign board members.

They have knowledge and information about other countries.

Each investment company, we have around 2, 000 investment companies.

We need to look at the investment policy.

This fund invests in Sarath, this fund invests in Thai, this fund invests in Thongkham, this fund invests in Asaha, or this fund invests in other funds.

The investor's only duty is to follow the investment policy.

So, tell us what the fund is going to do with the money.

The good thing is that no 1 can know about all the stocks or assets in the world.

And sometimes we try to dig up the information ourselves.

People who start investing think that once they have the information, they are more professional.

Yes, in other countries, they invest through the general fund or ETF.

They believe that it's better to have an expert do it.

But we can't compete with them in investment.

They have tools that can track the news of the Fed's rise or fall, GDP, and how it affects the stock market.

But of course, investment in the general fund We buy and sell our own stocks because we use our team's brain to manage the stock market.

But there's 1 thing that we see when we buy a joint stock.

It means the value of all assets in that stock.

We can divide it by the cost or the value of the assets.

When you want to buy a fund, you can't compare the price of the fund to the price of the fund.

Because the fund that costs 10 baht may have more scarce materials.

When you buy a joint fund, you can see how the NAV moves.

If the NAV increases, from 10 baht to 11 baht, 12 baht to 15 baht, it's good.

It will let us know when the currency is compared.

It will let us know that each currency may not be directly comparable.

But at least we know that when we look at the movement and its direction, it is a tool that makes us know if it is suitable for us.


Speaker 0: Someone asked me, do you have a financial stability? I was shocked. How much

Speaker 1: did you have? I had

Speaker 0: nothing but rice. I had no savings. I see. How did you build your financial stability? I went

Speaker 1: back to the first day I invested. I was 20 years old. I bought a joint investment company.

Speaker 0: How did you start?

Speaker 1: Back then…

Speaker 0: Fern, we're finally back in the studio. Yay! Smart invest by TTV Smartport. We're going to talk about this in a simple way. I've known you for over 2 years.

Speaker 1: Almost 3 years.

Speaker 0: What I envy the most is that you know about money since you were young. I only knew about it

Speaker 2: when I

Speaker 0: was old. So I have to ask you, what is the trigger that makes you think that you have to save money? Let's just say you have to save money. You have to invest because people around you are young. What you think is that you get money, you spend it.

What triggered you to say, no, I have to save money, I have to invest.

Speaker 1: I think it's been more than 10 years. Almost 20 years. I was in my second year of university. I was in the New Generation Investment Program of the Thai National Stock Exchange. I felt that investment was very easy and I could make a living from it.

I didn't know anything about it at that time. I just knew about the general fund and the assets of the company. When I grew up, I realized that I could only make money from my work. I started investing since that day. I was lucky.

Many people believe that if they are still studying or just started working,

Speaker 0: I want to ask you, Fern. If you want to invest, you have to be open-minded.

Speaker 2: If you

Speaker 0: have money but you don't use it, how do you do it?

Speaker 1: I believe many people do. Especially those who just got their first salary or those who have worked for a while. They feel like they need to have something. Or they want to live the life they want to live but don't have it. For example, when you you're studying, you may ask for money from your parents.

You may limit yourself. Now you can work and earn money. You should use it to the fullest and create happiness for yourself. If you work hard, work hard, play harder, pay hard, and pay a lot. But there's 1 good thing.

After I joined the investment program, I looked back at myself and thought, what can I do? My family is a Chinese family. They taught me to be diligent, honest, and save.

Speaker 0: I'm from the same school, but I can do something.

Speaker 1: Diligence is the way to work. And use it all. And then you can save the rest. Do you have any left?

Speaker 0: No, I don't. Or maybe I have this much left. I don't like it.

Speaker 1: Yes, that's the point. So, if you want to start a loan, you need to know if you can use it before you start. And how much you can use. Basically, it's about 10%. If you can get 20-30% of the income, that's good.

If you have 10, 000 baht, save 10%, 1, 000 baht.

Speaker 0: If you

Speaker 1: have 20, 000 baht, save 10%, 2, 000 baht. If you can do this, you can say that you have a checklist of 1, 000 baht.

Speaker 0: Wow, I have to say that the basic is the financial aspect. We know how to save money, how to save money first. But for a new investor, I have to say that I started fast. What? I really don't know.

Some people said, invest in it. Invest in it. I really don't know what it is. I even had to ask them, how can I start? They said there are many things.

I remembered

Speaker 3: them 1 by 1. I tried them 1 by 1.

Speaker 0: I have to ask you first. You said you had some knowledge about finance. Some people say there are so many industries. Where should I start? They say good start is half done.

The foreigners say good start is half done. Where should I start? I'm gonna invest. How do I invest?

Speaker 1: First of all, I'll help you understand. You have to know what we can invest in. There are many types of investment. For example, the lowest risk is being a debtor. When people borrow money and they have to give it back, it's considered a low risk because they have to pay it back with the money.

Being a debtor is buying a type of asset called a bond. There are government bonds and private bonds, which are called bonds. They are short-term and long-term.

Speaker 0: It's like they are borrowing money to do some business. Yes.

Speaker 1: For example, if you are a government employee, you have government bonds. For example, you have a subsidiary bond, or a cash bond, or a Thai bank bond. These bonds are very low-risk. Because you think the government won't be able to pay you back.

Speaker 2: You have

Speaker 0: to pay

Speaker 1: back your money.

Speaker 0: I know I got a little guy I did a high risk high return but I'm not a return I got a friend

Speaker 2: that I classic But it led to a lot of returns. I heard people say, when people first enter the industry, they will ask, invest

Speaker 0: in stocks. It's like the classic. And the person next to me said, don't you start investing? It's the

Speaker 1: right time. Can you

Speaker 0: open a portfolio? What does it mean? Portfolio means portfolio. Portfolio means a portfolio of money that has a lot of space. It's like we put in different forms of investment.

Portfolio means there are many stocks. So we start investing with stocks.

Speaker 1: Stocks might be different from the currency Some people invest in real estate. The good thing about real estate is that the price will go up gradually. Because there are limits to the area. The price will go up eventually. If you invest in rental, you get passive income.

We talked about active income, this is passive income. But there are also disadvantages. Because you buy a house, a condo, and you sell it. It's not like buying and selling stocks. You buy and sell in real time.

It takes time. This is called low-quality. So when you buy any assets, you have to look at the pros and cons. And besides stocks, what else do you invest in? It's not like buying real estate.

Real estate is a time-consuming business. It's a low-cost business. So when you buy real estate, you have to consider the pros and cons. Besides real estate, what other investments do you make?

Speaker 0: Gold. I'm like you. I'm a man who spends more money than I save. I met a friend. He walked up to me and asked, where are you going?

I'm going to Yaowarat. I like saving money. I want to keep gold. I'm not worried about anything. I'm keeping it as a key in the future.

For my children. So I started buying gold. So I know that the money I have is worth it. Because these

Speaker 1: prices

Speaker 0: may increase in the future. So it's another type of investment. Living together.

Speaker 1: Stocks and gold.

Speaker 0: Stocks and gold.

Speaker 1: It's actually a risk sharing. Because stocks are good when the economy is good. But gold is good when the economy is

Speaker 0: bad.

Speaker 1: Who likes something that has a price and you can invest in it? Do you like watches?

Speaker 0: I used to want to play with watches. The price is high. But some investors say that if you choose the right model, the price will be higher.

Speaker 1: Not the right price. The right price is like a wallet.

Speaker 0: Yes, the price will be like this. But some people say there are many things. For example, if you buy limited edition.

Speaker 1: Or bags.

Speaker 0: Jewelry. What do women invest in? Women? There are many things that we can see in the future. There are many

Speaker 2: kinds of art, or some people

Speaker 0: are a monk. So, there are many things in investment that we focus on the value in the future. But of course, we have to have enough knowledge. It's not like you suddenly walk into the 405. That's not the case.

Speaker 1: Yes.

Speaker 0: If we don't have much knowledge, we talk about this, Each person has a technique. For example, when you first opened the door to the world of investment, what did you do? Which 1 suits me? Which 1 doesn't suit me? Which 1 do I have to rely on?

Speaker 1: It must be like this, right? Because in fact,

Speaker 0: as I told you, the whole investment

Speaker 1: universe is interesting. But some people don't know what they're good for. I went back to the first day I invested, when I was

Speaker 0: 20.

Speaker 1: I didn't have any knowledge or experience in the field. I bought a joint investment fund.

Speaker 0: A joint investment fund. I heard this word before. People asked me what it meant. I said, let's use this fund to invest. I heard that you are an investor.

So you know about investment and you use that money to work.

Speaker 1: Yes. An investor must have a license. They must pass the qualification test before they can manage a large amount of money, millions of baht, to us. They don't work alone. They have an investment committee.

It's an investment team. There are 10-20 people in 1 board. And they also have partners who are foreign board members. They have knowledge and information about other countries. They invest according to the policy.

Each investment company, we have around 2, 000 investment companies.

Speaker 0: The money

Speaker 1: is not enough. How do we know which fund to invest in? We need to look at the investment policy. It's written here. This fund invests in Sarath, this fund invests in Thai, this fund invests in Thongkham, this fund invests in Asaha, or this fund invests in other funds.

The investor's only duty is to follow the investment policy.

Speaker 0: So, tell us what the fund is going to do with the money. And then, follow the announcement. The good thing is that no 1 can know about all the stocks or assets in the world. And sometimes we try to dig up the information ourselves. People who start investing think that once they have the information, they are more professional.

That's the job of an investment manager.

Speaker 1: Yes, in other countries, they invest through the general fund or ETF. They believe that it's better to have an expert do it. We are good at our job, like screenings. We can do the job of a reporter well. But we can't compete with them in investment.

Speaker 0: They spend all day on the screen. They have all the data. They have

Speaker 1: tools that are better than us. They have tools that can track the news of the Fed's rise or fall, GDP, and how it affects the stock market. We can't compete. But of course, investment in the general fund We buy and sell our own stocks because we use our team's brain to manage the stock market. But there's 1 thing that we see when we buy a joint stock.

It's NAV. Have you ever seen it?

Speaker 0: I've heard of it.

Speaker 1: Many people wonder what NAV is. Is it the price of the stock? The answer is no. NAV stands for Net Asset Value. It means the value of all assets in that stock.

We can divide it by the cost or the value of the assets. So, the question

Speaker 0: is, how

Speaker 1: much is the value of that stock? When you want to buy a fund, you can't compare the price of the fund to the price of the fund. Some people say, why not? Because the fund that costs 10 baht may have more scarce materials. But 5 baht may have less.

When you buy a joint fund, you can see how the NAV moves. If the NAV increases, from 10 baht to 11 baht, 12 baht to 15 baht, it's good. It means

Speaker 0: that the higher the

Speaker 1: price, the higher the profit.

Speaker 0: Right? It's like a compass. It will let us know when the currency is compared. Like a pound to a pound. It will let us know that each currency may not be directly comparable.

But at least we know that when we look at the movement and its direction, it is a tool that makes us know if it is suitable for us. What will your future be like? I was in the analog era. I walked to the company. I don't know where I was.

I went to the accounting counter. I don't know. How did

Speaker 1: you start? I didn't have a digital banking system.

Speaker 0: I didn't have

Speaker 1: a banking mobile like this. I couldn't open a bank account. I had to use a computer. I had to go to a bank account. I had to go to a bank account.

If I opened 5 banks, I had to go to 5 brokers to sign a document. Each broker has a lot of information. There must be private information, bank information that they will give you to cut your investment. And information that you will buy this fund at this price. Like DCA, Dollar Cost Averaging, cut investment every month.

Or buy in 1 piece. It must have a lot of documents. That was almost 20 years ago. What did you do

Speaker 0: then? I became a digital person. Now, to make it easier to understand, let's see what kind of methods are used in digital today to open a port because it's the beginning of many things, especially investing in investment.

Speaker 1: Yes, let's have you share with us how you can open a port with a single phone.

Speaker 0: Smart Invest by TTV SmartPort. He already has TTV Touch. He can open his port right now. He goes to TTV Touch. Then click on the investment menu.

Then read the details before starting the investment with TTV. Then he will see a list of different investment boxes. He chooses the 1 he is interested in. Then look at the details of the investment first. Read the book about investment.

When you have read it, please note that you should read it a little bit because the investment is based on our understanding of the investor. Then, click Next. Start opening the investment account. The investor will read and accept the terms and conditions. Then, click on the information to open the investment account.

It's very important to calculate all the risks. And open an investment account. Then, most importantly, you have to evaluate all the risks. Because you have to understand what level of risk you are capable of. It's very important.

We'll talk about it later. Look at your own risk assessment and click Confirm. Then confirm yourself by clicking the pin to confirm your program. Then your investment account will be opened. For new customers who have never used TTV's deposit account, you can open your account with TTV Touch.

Once you have a deposit account, you can open an investment account.

Speaker 2: You can use

Speaker 0: your smartphone

Speaker 1: to connect to TTV Smart Pod.

Speaker 0: It's very important. No matter what type of investment you make, the first step is to start. Start by opening an application, open an investment portal, and study for information. Then you can start investing. That's it!

Yay!

Speaker 1: Don't forget to meet us again in Smart Invest by TTB SmartPort.

Speaker 0: The next investor. I have a specialist in adjusting the fund. It starts at only 1 baht. And most importantly, you can choose the risk as you

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