Mutual funds for beginners 2026: how to start + SSF/RMF tax breaks

Mutual funds are a great starting point for new investors because a fund manager handles the investing and diversification. Here's what to know before you start.

What is a mutual fund?

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Many investors' money is pooled for a manager to invest per a policy. You buy "units," so you diversify easily even with little money.

Main types (by risk)

SSF / RMF — invest and cut tax

• SSF/RMF are bought for tax deductions per the rules (with caps and holding requirements)
• Great for taxpayers who want to save/invest long term at the same time
• See how tax and deductions work in our income tax article

How to start

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1. Assess your risk tolerance and goal (short/long term)
2. Start small or use DCA (invest the same amount monthly) to average cost
3. Check the fund's fees (lower is better long term)
4. Diversify — don't put everything in one fund/asset

Verdict

Mutual funds let beginners diversify easily, starting small with DCA. If you already pay tax, SSF/RMF are extra worthwhile — you invest and cut tax at once. And to diversify into an asset Thais know well, look into investing in gold, which you can also do through a gold fund. If you're curious about higher-risk assets, read our crypto for beginners guide first — but treat it as a small, high-risk slice of your portfolio.

Investing carries risk; past returns don't guarantee the future. Read the prospectus before deciding.

Sources

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• The fund prospectus from the asset manager
• SEC / Revenue Department (SSF/RMF rules and deductions)