and (2) stochastic behavior. • Inflated Funeral Costs 9 Disciplined Saving Inflated Subsistence Level The Model (3) • The Disciplined Saving Rate Ω∗ in the Risk Management Framework 10 Method and Data

facilitate public access to mutual fund investment with a small amount of money and have the investment funds managed by the professionals, but also build disciplined investing habits for consistent and

account owner's knowledge to prevent potential damage. Recently, the SEC has punished offenders who caused damage to investors in several cases. In any event that an investor truly wishes to have a person

penalized a former investment consultant named Mr. Nattapong Saelee by prohibiting him from performing duties as capital market business personnel for seven years and six months on account of committing

companies and departments. These members should be disciplined to save money and must know have knowledge have to invest affectively. Also, fund committees must have enough knowledge and understanding to

capital market, or lacking trustworthiness as specified as prohibited characteristic in Group 1 under Clause 29; (2) having a record of being punished or legally proceeding against for management in the

. In this regard, six of the offenders are banned for the maximum period of 10 years each, and the other two for five years each. In addition, three branch managers of the bank were penalized for

penalized {B} by transferring her to perform duties unrelated to provision of services for sales of securities products from 25 December 2018 to 16 April 2020, which exceeded the penalty period imposed by

suspended her approval as investment consultant for Complex Instruments Type 2*** and investment planner for one month and 10 days. However, the bank had already penalized Prapai by prohibiting her from

. Other employees involved in this incident were also disciplined by TMB for failing to comply with bank’s operating procedures.  In considering the appropriate administrative sanction, SEC takes into