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Provident Fund Benchmarks
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Information Month Jan - Aug 2025
Provident Fund Benchmarks (% Actual Return)

Benchmark Name		Return		Data	Download
		Year2025	Year2024	As of	Data
		Jan - Aug	Jan - Dec	23/07/2024	Archives
SET Index (?)		N/A	-7.73%	1306.41
SET 50 Index (?)		N/A	-7.60%	808.74
Average fixed-deposit rate of Baht 1 million of 4 banks received by provident Fund.		0.00	1.17	BBL:1.15 KBANK:1.15 SCB:1.15 KTB:1.225
ZRR Index (?)
	1 month	N/A	1.05%	153.159914
	3 months	N/A	1.05%	157.099346
	6 months	N/A	1.07%	161.380561
	1 year	N/A	1.11%	169.743706
	2 years	N/A	1.07%	181.458896
	3 years	N/A	1.06%	200.702290
	4 years	N/A	1.22%	217.951915
	5 years	N/A	1.21%	236.855952
ThaiBMA Government Bond Index (?)		N/A	1.18%	318.090101
ThaiBMA Composite Bond Index (?)		N/A	1.36%	207.700832

Benchmark Data Sources :

1 - 2 from SET Thailand
3 from Bangkok Bank Public Company Limited, Kasikorn Bank Public Company Limited, Siam Commercial Bank Public Company Limited and Krung Thai Bank Public Company Limited.
4 - 13 from Thai Bond Market Association

Reference Benchmark (?)
(% Actual Return)

Fund Classification	Indicators		Return
			2025	2024
			Jan - Aug	Jan - Dec
Equity Fund (?)	100% SET Index		N/A	-7.73%
Money Market Fund (?)	100% ZRR 1 year Index		N/A	1.11%
Fixed Income Fund (?)	100% ZRR Index	2 years	N/A	1.07%
Fixed Income Fund (?)	100% ZRR Index	4 years	N/A	1.22%
Mixed Fund (?) (with equity allocation up to 5% )	2.5% SET Index + 97.5% ZRR Index	2 years	N/A	0.84%
Mixed Fund (?) (with equity allocation up to 5% )	2.5% SET Index + 97.5% ZRR Index	4 years	N/A	0.99%
Mixed Fund (?) (with equity allocation up to 10% )	5% SET Index + 95% ZRR Index	2 years	N/A	0.61%
Mixed Fund (?) (with equity allocation up to 10% )	5% SET Index + 95% ZRR Index	4 years	N/A	0.76%
Mixed Fund (?) (with equity allocation up to 15% )	7.5% SET Index + 92.5% ZRR Index	2 years	N/A	0.39%
Mixed Fund (?) (with equity allocation up to 15% )	7.5% SET Index + 92.5% ZRR Index	4 years	N/A	0.53%
Mixed Fund (?) (with equity allocation up to 20% )	10% SET Index + 90% ZRR Index	2 years	N/A	0.16%
Mixed Fund (?) (with equity allocation up to 20% )	10% SET Index + 90% ZRR Index	4 years	N/A	0.30%
Mixed Fund (?) (with equity allocation up to 25% )	12.5% SET Index + 87.5% ZRR Index	2 years	N/A	-0.06%
Mixed Fund (?) (with equity allocation up to 25% )	12.5% SET Index + 87.5% ZRR Index	4 years	N/A	0.07%
Mixed Fund (?) (with equity allocation up to 30% )	15% SET Index + 85% ZRR Index	2 years	N/A	-0.29%
Mixed Fund (?) (with equity allocation up to 30% )	15% SET Index + 85% ZRR Index	4 years	N/A	-0.16%

Actual Return Calculating Formula

1	Fixed Income Fund
	1.1	Monthly Return (R₁)	=
				mi where m means month 1,2,3,…….,12
				mi-1 means previous month
	1.2	Year-to-Date return	=	((1+R₁)(1+R₂)(1+R₃)…..(1+R₁₂)) -1


2	Money Market
	2.1	Monthly Return (R₁)	=
				mi where m means month 1,2,3,…….,12
				mi-1 means previous month
	2.2	Year-to-Date return	=	((1+R₁)(1+R₂)(1+R₃)…..(1+R₁₂)) -1


3	Fixed-income fund (2 year duration )
	3.1	Monthly Return (R₁)	=
				mi where m means month 1,2,3,…….,12
				mi-1 means previous month
	3.2	Year-to-Date return	=	((1+R₁)(1+R₂)(1+R₃)…..(1+R₁₂)) -1
*** Fixed-income funds with 4-year duration use the same formula as 2-year duration, using ZRR 4-year index instead


4	Mixed fund (equity allocation up to X% with 2 year duration)
	4.1	Monthly Return (R₁)		=

				mi where m means month 1,2,3,…….,12
				mi-1 means previous month
	4.2	Year-to-Date return	=	((1+R₁)(1+R₂)(1+R₃)…..(1+R₁₂)) -1
*** Mixed-income funds with 4-year duration use the same formula as 2-year duration, using ZRR 4-year index instead

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