FI428: Personal Financial Planning

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FI428 Personal Financial Planning ??????????????
??????????????????????????? ??? ??.??????
?????????? 20 ??????? 2548 ? ??????????????????
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• ?????????????
• ??? ??. ?????? ??????????
• www.saverclub.org
• E-mail suvarn_at_saverclub.org

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?????????????
???????????????????????????????????????? IT
(Information Technology) ????????????????????????
??????? ??????????????
1
??????????????????????????????????????
2
???????? ??????????
3
?????????????????????????????????????? ????
?????? ???? ????? ???? ???????? ????????? ?????
???? ???? ????????????????? ??????????????????
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?????????????????? ????????????? ???????????
?????????? ?????????????????????
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Saver Club
To advise members on the importance of
Intellectual Properties and Information
Technology to strengthen their competitiveness and
enhance their earning powers.
1
To control family expenses, avoid creating debts
to ensure savings.
2
Promote Savings
3
To advise members on invest safely and achieve
attractive returns such as in land, houses,
condominiums, stocks and bonds, mutual fund, gold
and jewelry, foreign currency and other valuable
personal belongings.
4
To advise tax planning scheme, property and
wealth management, will, estate planning and
succession.
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• ?????? ??. ?????? ?????????
• ???????????? ????? ???? 16.10 17.00 ?.
• FM 96.5 ????.
• ????????????????????????????
• 02-201-6428
• 02-245-7097
• Fax [phone]

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????????????????? 3 ???????

• ?????????
• ?????????? - ?????????????????
• ??????????
• - ???????? - ?????????? ?????
• - ????????????????
• - ????????????? ????? ????????????

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??????????????

• 0 - 100,000 - -
  ???????
• 100,001 - 500,000 10 40,000 ???
  40,000
• 500,001 - 1,000,000 20 100,000 ???
  140,000
• 1,000,001 - 4,000,000 30 900,000 ???
  1,040,000
• 4,000,001 ?????? 37

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????????? - ?????????

• 30 ??????? - ?????????????????? 5 ???????
• 15-30 ??????? - ????????????????????? 5 ???????
• 25 ??????? 300 ????????????????????????????????
• 25 ??????? - ?????????????????????????
  2544-2548
• 20 ??????? - ?????????????????????? MAI ?????
• ?? 2548
• 0 ??????? - ?????????????????????????? BOI
• ???? 3-8 ??

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?????????????????????

• 1. ??????????? - ???????????????????
• 2. ????????????????
• 3. ?????????????????????
• 4. ???????????? ????????????
• 5. ????????????????????

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??????????????????

• 1. ????????????????????????? 3-6 ????? - Cash
  is King
• 2. ?????????????????? Financial Independence
• 3. ???????????
• 4. ????????????????????????
• 5. ???????????????????????

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??????????????????????

• 1. ????????????????
• 2. ??????
• 3. ???????????? ?????????????
• 4. ??????????????
• 5. ???????????? ?

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??????????????

• 1. ????????????
• 2. ???? ?????? ????????????????????
• 3. ??????????????????
• 4. ?????????????
• 5. ????????????????????? - ?????????

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?????????????????????

• 1. ???????????????????? (??????????????)
• 2. ????????? - ???????????
• 3. ??????????????????????
• 4. ???????????????????? Provident Fund
• 5. ?????? RFM Retirement Mutual Fund
• 6. ?????? LTF Long Term Equity Fund

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?????????????????????????

• 1) ?????????????????????????????
• 2) ?????????????????????????? 50,000 ???
• 3) ????????? - ????????????
• 4) ????????????
• 5) ????????????????????

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????????????????????????? ???? ??????????????
?????????????????????
??????????????????

• ????????????????????????????????? 80 95
  ??????????????
• ???????????????????? 30 ?? ???????????????????????
  ?? ???20?? ????????????????????????????
• ??????????????????????? 40 ?????????

??????????????????????? ?????????????????????????
????? (???????????????????????????????)
??????????????????????????? ?????????????????????
??????????????? ??????????????????????????????????
???????????????????????????????????
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??????????????? ????????????????????????

• ????????????????? ???????????????????????????????
  ???????? ??????????? ?????????????????????????????
  ?????????
• ????????? ?????????????????????????? 50
• ??????????????? ???????????????????????????????
  70 ??????????????
• ??????? ??????????????????????????????????? ????
  Debt to Equity Ratio ??????? 1.5 2.0 ??? 1
  ???????? ???????????? ????????? 50 ???????
  ???????? 100 ??????? ??????? Debt to Equity
  Ratio ??????? 21 ???????

Use of Fund
?????? 25 ???????????
65 ????????????????????????? 5 ????????????????
??????? 5 ??? 100
??? 60
??? 40
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??????????????? ????????????????????????

??????????????????????????? ???????????????

• ???????????????? 90
• ??????????? 10
• ?????????? (?????????) 30
• ??????????? 70
• ?????????????????????????????????
  ???????????????????
• ??????? 11,700 ???
• ??????????????? (???????)

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????????????? ????????? VS. ???????????
???????
???????(stock)
???????
????????, ??????? (bond)
???????
??????????????(cash)
?????????????
?????????
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??????????????????????????

• ????????????????????? ?????????????????
• ?????????????????
• ??????????????????????????????????????????? 6
  ?????
• ????????????????????????????? ?????????????
  
• ???????????????????????????????

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????????????????
???????????........???????????????? 60
?????????????????.???
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?????

• 1) ?????????? ???????????????????????
• 2) ???????
• 3) ??????????????????????????????????
• 4) ???????????
• 5) ??????????????????

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????????

• 1) ??????????? US
• 2) ????????????
• 3) ???? ??????????? ??
• 4) ??????????????????
• 5) ????????? Certificate

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??????????

• 1) ???????????????
• - Provident Fund
• - RMF LTF
• 2) ??????????????????
• 3) ????????????

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?????????????????

• 1) ?????????????????
• 2) ???????????????????
• - ????????????????
• - ???????????????
• 3) ????????????????????????
• 4) ????????

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?????? SME

• - ?????? ?????????????????
• - ????????????? ???????????? ??? ?????
• - ?????????
• - ??????????????????????????

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????? MK ????? - ???? 2544 - 2546 (???????)
2544 2545 2546 ?????? 1,588 4,396 4,894
?????????? 1,223 3,618 3,800 ????????????
37 30 21 ???????????? 327
778 1,073 ??????????? 101 225 320
------------
----------- ------------ ?????????
226 523 752 ???????????? 410
410 410 ???????? 304 613 667
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Starbucks - Case ????????
Strength - Excellent Brand name - Strong
Operation - Worldwide Network Mistakes -
Starbucks Magazine - Soda - Food
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????? Blue Nile Diamonds
I-CARAT DIAMOND - 1,200 BLUE
NILE OTHER JEWELERS MINING ROUGH
BROKERING 61
61 CUT/POLISH/MANUFACTURING WHOLESALE
96 114 RETAIL
25 67 FINAL PRICE
4,733 7,080
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Blue Niles Success

• 1) On Line Shopping - Open 24 hours
• 2) Money Back Guarantee
• 3) Deep Discount at 34
• 4) Back to Back Sales - Minimum Working
• Capital
• 5) Good Brand name

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????????????

• 1) Profits Are Not Forever
• 2) Diversified Discount Store
• 3) Diminishing High Margin
• 4) New Waves / Competitions

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??????????????????????

• 1) ISO
• 2) BOI - ????????????????????????
• 3) GMP - Good Manufacturing Practice
• 4) Trademark Protection
• 5) HACCP - Hazard Analysis and Critical
• Control Point
• Haral (Muslim) Food

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???????????????????????????Corporate Governance

• 1. ???????????????
• 2. ??????????????????
• 3. ??????????????????????
• 4. ????????????
• 5. ??????????????

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???????????????????

• 1. ???????????????????
• 2. ????????????????????????????
• 3. ??????????????????????????? ?
• 4. ????????????

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?????????????????????????

• 1. ?????????????????
• 2. ???????????????????????????????????
• 3. ???????????????????
• - ?????????
• - ??????????????
• 4. ??????????????????

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????????????????

• 1. ????????????
• 2. ???????????????????
• 3. ??????????????????
• 4. ???????????????

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?????????

• 1. ?????????????
• 2. ??????????????????
• 3. ??????????? - ??????????
• 4. ?????????????

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????????????? 20 ???? ????????????????????????

• 1) ????????????? 8 ????
• 2) ?? 2 ??? 2 ????
• 3) ????????? 1 ????
• 4) ??????????????????? 3 ????
• 5) ?????? 1 ???? 3 ????
• 6) ??????????? 1 ????
• 7) ??????????????? 2 ????
• (???????????) -----------
• ??? 20 ????

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