“intelligent” financial planning decisions during retirement. A retiree faces a number of risks during retirement, some of which are unique to retirement planning and are not concerns during accumulation. These

due to perceived growth opportunities. According to Gordon’s (1962) constant growth dividend discount model (DDM), the PE ratio is positively correlated with the expected growth rate but negatively

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income from rental and service went up 7.93% due to the number of renter decrease 22.30% in VIBHA but the cost is still constant. 3. The net income decreased 16.68% (Separate financial statement

เพ่ือเพ่ิมความยืดหยุ่นในการจัดการกองทุนของ บลจ. อันจะท าให้ บลจ. สามารถตอบสนอง ความต้องการของผู้ลงทุนได้มากยิ่งข้ึน อาทเิช่น การจัดตั้งกองทุนรวมตลาดเงินที่ก าหนดราคา หน่วยลงทุนคงท่ี (“MMF constant NAV

54=M F7527K 6MEG FG0=E43 3ก 4,?+ 6+*? 1>MEGก 3M MMF constant NAV 5กก MMF >71>,ก2C+ 6+*?กก mark to market 4 ก ก* E43MEG?> BC447D27K 6G,?ก E ก+*? U ?>4 4 กC? ก , (ก 4F 6E ( . (=> Cก+*?ก 3M E? BC4

overall international business grew 14.4% at constant FX rate. 9M’19 Net sales grew 5.7% YoY, driven by core businesses in both domestic and international markets. Domestic beverage and personal care grew

beverages continued its growth momentum at 7.3% YoY, and domestic personal care showed 23.7% growth. Overall international business grew 8.7% at constant FX rate. YTD 1H’19, net sales grew 5.0%, contributed

beverages grew 4.0% YoY. Total personal care continued to grow 6.4% YoY, of which CLMV markets grew 31.6%. Overall international business grew 8.6% at constant FX rate, driven by CLM. OEM-glass bottles sales

2020). Can have multiplier effect, creating employment in non-tradeable industries and local economy (Chodorow-Reich et al., AER 2021). B. Investment Accumulation of investment assets can further