The SCBNext(SSF) Fund focuses on a diversified mix of equities and fixed-income investments, both locally and internationally. Its key investment areas include:

1. Equities (Stocks): The fund invests in stocks from leading companies in various sectors, including banking, energy, telecommunications, and consumer goods. By investing in high-growth companies, the fund seeks to capture capital appreciation over the long term.

2. Fixed-Income Securities (Bonds): Bonds, including government and corporate bonds, form a substantial part of the fund’s portfolio. These assets provide regular income and add stability to the fund, especially in times of market volatility.

3. International Diversification: In addition to domestic investments, the SCBNext(SSF) Fund may also invest in international equities and bonds to take advantage of global growth opportunities and reduce concentration risk in any single market.

4. Alternative Investments: Depending on market conditions and opportunities, the fund may allocate a portion of its assets to alternative investments, such as real estate or commodities, to further diversify the portfolio and reduce risk.

Performance and Risk Factors

The performance of the SCBNext(SSF) Fund is influenced by a variety of factors, including market conditions, interest rates, and economic cycles. The fund's diversified approach helps reduce exposure to any single risk, but like all investments, it is still subject to fluctuations in the market.

Investors should be aware of the following risk factors:

• Market Risk: The value of the fund’s investments can fluctuate based on the performance of the stock and bond markets. Economic downturns or market corrections may impact returns.

• Interest Rate Risk: As a portion of the fund’s investments is in fixed-income securities, changes in interest rates can impact the value of bonds and the overall performance of the fund.

• Currency Risk: The fund may hold international assets, and fluctuations in currency exchange rates can impact the value of those investments.

• Liquidity Risk: Some investments may not be easily tradable, especially in times of market stress, which could affect the fund’s ability to buy or sell assets without impacting prices.

Conclusion

The SCBNext(SSF) Fund offers a well-balanced investment option for long-term investors seeking capital growth and income generation while taking advantage of Thailand's tax incentives under the SSF scheme. By diversifying its investments across equities, fixed-income securities, and international assets, the fund aims to provide steady returns with a focus on risk management. Additionally, the tax benefits make it an attractive choice for individuals planning for retirement or other long-term financial goals. As with any investment, investors should carefully assess their financial objectives, risk tolerance, and time horizon before committing to the SCBNext(SSF) Fund. shutdown123