ทัศนคติต่อการลงทุนในกองทุนรวมของบุคลากรมหาวิทยาลัยเชียงใหม่

Abstract

This independent study aimed to study the attitude of Chiang Mai University’s employees towards the investment in mutual funds. The total population of 12,103 employees which were currently working at Chiang Mai University in 2020 were used as the sample group in this study. The sample size was calculated using Taro Yamane method and 388 employees were selected. The data were collected by using a questionnaire as a tool and analyzed by using descriptive statistics, frequency, percentage and mean, and inferential statistics, ANOVA Test. The results of the study showed that the respondents were mostly female, aged 26-35 years, single, had the highest level of education of bachelor's degree, were in full-time employment, had an average monthly income of 20,001-30,000 baht, and most had never invested in mutual funds. Their current investment was on savings deposits/Government Savings Bonds. The results on Cognitive component presented that 20.83% of the respondents had knowledge and understanding about mutual funds. The most widely understood topic was Mutual funds being divided into two types: closed-end funds and open-end funds. Followed by the minimum amount required to purchase investment units which depending on the conditions of each fund management company. Also known that Savings Mutual Funds (SSF) and Retirement Mutual Funds (RMF) were funds established by the government to provide tax benefits to investors. The results on Affective component presented that the respondents agreed with investing in mutual funds at a moderate level. There were three things they agreed with the most being that the fund management company's policy and credibility had an effect on investment decisions and mutual fund investment expenses had an equal effect on decisions. Second was tax benefits as the main factor that made them interested in and chose to invest in mutual funds (SSF and RMF), and mutual funds were an investment form that provided returns that were worth the risks. The results on investment Behavioral component presented that only 39.7 percent of respondents were interested in investing in mutual funds. The factor that most influenced their choice to invest in mutual funds was satisfactory returns, followed by tax benefits and the reliability of the mutual fund company. Personal funds were the source of investment. The maximum amount of investment to be invested in mutual funds was less than 50,000 baht. Commercial banks were the most popular sources of buying mutual funds. The reasons for choosing were the reliability of the organization, the plenty branches that made it easy to choose services and the staff provided good advice. For those who were not interested in investing, the most common reasons for not being interested were not having enough knowledge, low returns and high risks.