Interesting mutual funds in 2026: Build wealth accurately through smart choices

If you’re still unsure “where to start with investing,” we have good news for you. Experience and capital are not the most important factors because this interesting mutual fund opens the door for everyone to become a smart investor. In 2026, let’s explore mutual funds deeply and highlight 10 promising funds to help you confidently build your financial future.

Understanding the Basics: How Do Mutual Funds Work?

To clearly illustrate, mutual funds (Mutual Fund) can be seen as a collective pooling of many investors’ money into one big pot. This pool is then entrusted to a “fund manager” under a fund management company (TMBAM), who invests in various assets according to a predetermined plan.

When we invest money, it is converted into “units” with a value called “Net Asset Value” (NAV). This NAV is calculated and announced at the end of each trading day. If the fund’s assets increase in value, NAV rises accordingly, and that increase is our profit.

Categorizing Funds to Find the Assets That Suit You

The world of interesting mutual funds is very diverse, allowing investors to match funds with their goals and risk tolerance.

Based on main asset classes:

• Money Market Funds: Lowest risk, suitable for saving while waiting for opportunities, investing in deposits and short-term debt instruments.
• Bond Funds: Moderate risk, investing in bonds and debentures, ideal for those seeking a balance between safety and returns.
• Equity Funds: High risk but with the potential for maximum returns, suitable for long-term investors.
• Mixed Funds: Adjust the mix of stocks and bonds based on market conditions.
• Alternative Asset Funds: Invest in gold, oil, real estate, with very high risk.

Based on special policies:

Index funds and ETFs track benchmarks with low fees, while industry-specific funds focus on particular assets. International funds open access to global markets. Tax-advantaged funds like SSF, RMF, ThaiESG offer special tax benefits.

Key Strategies for Selecting Interesting Mutual Funds

First, before searching for the right fund, know yourself by asking three questions:

What are your goals? Buying a house in five years, retiring in thirty, or funding education?

How long can you leave this money invested? The longer the period, the more risk you can diversify.

Are you comfortable with a portfolio that might be 10-20% below its peak? This answer indicates your capacity to handle uncertainty.

Next, review the Fund Fact Sheet: check the investment policy, asset focus, country of investment, and whether the strategy is Active or Passive.

When comparing, look at past performance—but remember, past results do not guarantee future performance. Instead, compare with a benchmark index.

Two important metrics are:

• Maximum Drawdown: The largest loss experienced, indicating your risk threshold.
• Sharpe Ratio: Measures return per unit of risk; higher is better.

Overview of Investment in 2026 and Connected Megatrends

Analysts believe that the economy in 2026 may split into two phases: the first half could be volatile, but the second half is expected to recover as stimulus measures take effect.

Connected megatrends form a chain: the AI revolution demands massive electricity, boosting investments in clean energy and infrastructure, including hardware like advanced chips. Meanwhile, Healthcare remains a defensive growth industry, and ESG sustainability becomes a new standard for real-world investing.

10 Interesting Mutual Funds in 2026 for Investment Guidance

Our selections cover diverse assets aligned with current trends and future outlooks.

Thai dividend equity funds: Defensive in volatile times

1. SCBDV – Siam Commercial Bank Equity Income Fund - Managed by SCBAM, invests in large-cap Thai stocks with strong fundamentals and consistent dividends. Risk level 6/8. Suitable for cash flow needs.

2. KFSDIV – Krungsri Dividend Equity Fund - Managed by KSAM, blends stocks of various sizes for higher growth potential. Risk level 6/8.

International Technology Funds: Catch AI and Innovation Trends

3. KT-WTAI-A – KTAM Allianz Global Artificial Intelligence Equity - Managed by KTAM via Allianz Global AI Fund, invests globally in companies benefiting from AI. Risk level 6/8, for those confident in future tech.

4. B-INNOTECH – Bualuang Global Innovation & Technology Fund - Managed by BBLAM via Fidelity Funds - Global Technology Fund, covers cloud computing, e-commerce, etc. Risk level 7/8.

Emerging Market Stocks: Opportunities for Rapid Growth

5. PRINCIPAL VNEQ-A – Principal Vietnam Equity Fund - Managed by Principal Asset Management, selects high-potential Vietnamese stocks. Risk level 6/8.

Bond Funds: Safe Havens for Portfolios

6. KTSTPLUS-A – Krungthai Short-Term Bond Plus Fund - Managed by KTAM, invests in quality bonds domestically and abroad. Risk level 4/8, ideal for saving while waiting.

Flexible Hybrid Funds: Adjust According to Market Conditions

7. TISCOFLEXP – TISCO Flexible Plus Fund - Managed by TISCO Asset Management, can adjust stock/bond ratio from 0-100% based on outlook. Risk level 6/8.

Themed Funds: Investing in World Changes

8. KFCLIMA-A – Krungsri ESG Climate Tech Fund - Managed by KSAM via DWS Invest ESG Climate Tech, invests in climate solutions from clean energy to electric vehicles. Risk level 6/8.

9. K-GHEALTH – KAsset Global Healthcare Fund - Managed by KAsset via JPMorgan Funds, invests in pharma, medtech, healthcare providers. Risk level 7/8, steady growth, defensive.

10. ASP-THAIESG – Asset Plus Thai Sustainable Equity Fund - Managed by Asset Plus, selects Thai stocks with strong ESG scores per SET ESG Rating. Risk level 6/8.

Smartly Review Expenses to Maximize Net Returns

Fund fees are divided into two parts:

Visible fees:

• Sales fee: Paid at purchase (e.g., 1.5% means buying 10,000 THB costs 10,150 THB)
• Redemption fee: Paid when selling (less common now)
• Switching fee: When transferring within the same fund family

Hidden fees (deducted from NAV):

• Management fee
• Custodian fee
• Registrar fee
• Total Expense Ratio (TER)

A 1% difference in fees over 30 years can create more than 30% difference in final portfolio value. Therefore, choosing funds with reasonable fees is a key first step.

Balancing Risk and Return: The Right Mix

Benefits of mutual fund investing:

• Diversification even with small capital
• Professional management
• High liquidity, tradable daily
• Low minimum investment
• Variety of fund types

Limitations:

• Fees reduce returns
• No direct control over investment decisions
• Performance depends on fund manager’s skill
• Dividends are taxed at 10%

Conclusion

Interesting mutual funds in 2026 form a powerful team for investors of all levels. Whether experienced or new, with any amount of capital, selecting funds aligned with your goals, timeframe, and risk capacity lays the foundation for successful investing.

Start by understanding yourself, analyzing fees carefully, and continuously monitoring performance. The amount invested is less important than starting today, because sustainable wealth is built through consistent decisions over time.