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If one has 10M baht is it possible to get around 8% with minimal risk.


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I realize the investing in Thailand thread has been hammered before ..... as maybe some of you can offer advice.

Is it possible for 10m baht to return an income of around 7- 8% annually with minimal risk ... to ensure your principle is safe,  or is that a big ask   ??

Would it be better invested in Australia or Thailand or 50/50,  or US stocks that pay dividends & bonds ?

no rentals in Auss ?  .... because the tax the killer ... ?  

 

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I put part of my wealth into Thai based LTF's (long-term mutual funds), CG-LTF to be precise and this has done very well indeed and has fallen far less than most other instruments during the current market correction, but realistically it's a five year+ investment.

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1 hour ago, saakura said:

Only investing in dividend stocks or mutual funds can get you 8% per annum but these are not completely 'risk free' and could also depreciate your capital. Completely risk free investments like fixed deposits or government bonds will fetch you about 2% maybe?

Finding a quality dividend stock over 3-4% is almost impossible.  check out vanguard dividend etf if you dont believe me.

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54 minutes ago, simoh1490 said:

I put part of my wealth into Thai based LTF's (long-term mutual funds), CG-LTF to be precise and this has done very well indeed and has fallen far less than most other instruments during the current market correction, but realistically it's a five year+ investment.

would a 5yr mutual fund give 5% ...? or less.

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53 minutes ago, norrska said:

Finding a quality dividend stock over 3-4% is almost impossible.  check out vanguard dividend etf if you dont believe me.

Thats a fund, made up of high yield and safe bet equities. I hold a couple of stocks that pay 6% dividends and have done for the past 10 years. 

 

Here are some 6-8% yield (fully franked) shares in the Australian market.

 

Code Company Price Yield Gross Consensus DPS Gr.
FMG Fortescue Metals Group $5.08 8.86% 12.65% Buy -4.90%
GMA Genworth Mortgage $2.99 8.70% 12.42% Hold -25.00%
TLS Telstra Corporation $3.66 8.47% 12.10% Hold -15.80%
CMW Cromwell Prop Ordinary/Units FP Stapled Securities $1.01 8.26% 8.26% Hold -1.20%
GEM G8 Education Limited $3.43 7.00% 9.99% Buy -8.70%
CQR Charter Hall Retail Units FP $4.15 6.75% 6.75% Hold 0.70%
NAB National Aust. Bank $29.48 6.72% 9.59% Hold 0.10%
AIZ Air New Zealand Foreign Exempt NZX $2.91 6.60% 6.60% Hold -23.10%
GNE Genesis Energy Limited Foreign Exempt NZX $2.27 6.52% 6.52% N/A 0.60%
GOZ Growthpoint Property Unit/ Stapled Securities $3.42 6.40% 6.40% N/A 4.80%
NEC Nine Entertainment $1.53 6.21% 8.87% Hold 0.00%
HVN Harvey Norman $4.21 6.18% 8.82% Hold -3.80%
VCX Vicinity Centres Ordinary/Units FP Stapled Securities $2.73 6.12% 6.12% Buy 0.10%
SPK Spark New Zealand Foreign Exempt NZX $3.32 6.03% 6.03% Buy -1.00%
BOQ Bank of Queensland $12.61 6.03% 8.61% Hold -0.90%
WBC Westpac Banking Corp $31.23 6.02% 8.60% Hold N/A
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1 hour ago, steven100 said:

6-8% yield .... but obviously taxed if still an Australian citizen. It's still better than having a couple of rentals ...

Fully franked means tax has already been paid. Even with a rental property I still manage to claim back the 30% tax as under the 18k threshold.

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3 hours ago, simoh1490 said:

I put part of my wealth into Thai based LTF's (long-term mutual funds), CG-LTF to be precise and this has done very well indeed and has fallen far less than most other instruments during the current market correction, but realistically it's a five year+ investment.

Going down is good?

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2 hours ago, steven100 said:

would a 5yr mutual fund give 5% ...? or less.

Here's a link to the LTF's, CG-LTF is up 20% over the past year. Of course the SET and all markets globally are adjusting currently but the drop in the SET  (Thailand) is substantially lower than other markets and is only about 2.6% today, compared to over 10% in some western markets. http://siamchart.com/fund-compare/LTF_EQ

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14 minutes ago, Justfine said:

Easy outside Thailand.

Stock name           ISIN Last trade P/E Beta EPS DPS Ex-dividend Date Payout Ratio Dividend yield
M.c.s. Steel Company profile of M.C.S. STEEL on the Stock Exchange of Thailand
 
TH0851010007 12.00 13.0   0.9 1.12 Aug 24 2017 121 9.33
Kiatnakin Bank Company profile of KIATNAKIN BANK on the Stock Exchange of Thailand
 
TH0121010001 79.00 11.6   6.8 6.00 Sep 05 2017 88 7.59
Stp&i Company profile of STP&I on the Stock Exchange of Thailand
 
TH0566010Z00 5.45 0.0   -1.4 0.39 Mar 13 2017 -28 7.16
Glow Energy Company profile of GLOW ENERGY on the Stock Exchange of Thailand
 
TH0834010009 83.25 13.4   6.2 5.82 Aug 21 2017 94 7.06
L.p.n. Development Company profile of L.P.N. DEVELOPMENT on the Stock Exchange of Thailand
 
TH0456010Z04 11.70 16.4   0.7 0.75 Aug 22 2017 105 6.41
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My advice is to split the money into diversity. 

 

Send some of the dosh back to a secure country that you have an account in. When the nasties start to happen or a devaluation occurs you will not be shut out of all your money.

 

PMC ounce would have to be considered.

 

Bitcoin.

 

Keep a couple of bob here for day-2-day living.

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I've seen adverts on the www which suggest, that a risk-free guaranteed 10%-14% return can be achieved by investing in Pattaya-condos, however I remain slightly sceptical. :wink:

 

Others appear to believe that far-higher returns are available by investing in crypto-currencies, they don't usually claim it's risk-free, but  ...  

 

...  reaches for 40-foot barge-pole. :unsure:

 

I am reminded that, if it looks too-good-to-be-true, then it often is.  :cool:

 

Exercise extreme-caution, and don't-bet-the-farm, is my advice to the OP. :wai:

 

 

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