แិแ័แแแแ់แข្แแแិแិแោแ (Investor Discipline)
แិแ័แแឺแាแแ្แឹះแូแแ្แាแแแ្แាแ់แោแแ័แแែแแាំแแ្แុแแាแแិแិแោแ។ แ្แោแแេះแាแិแ័แแំแាแ់แ แง แ្แแេแ แិแแាแាแ Checklist แขแុแแ្แแាแแ្แាแ។
แាแិแា (Table of Contents)
- แិแ័แแ្แុแแាแแៀแ
- แិแ័แแ្แុแแាแแាแ់แែแแាแ
- แិแ័แแ្แុแแាแแแ្แំ
- แិแ័แแ្แុแแាแแขแ់แ្แแ់
- แិแ័แแ្แុแแាแแ្แแ់แ្แแแขាแแ្แแ៍
- แិแ័แแ្แុแแាแแិแាแ
- แិแ័แแ្แុแแាแแ្แួแแិแិแ្แ
- Checklist & 30-60-90
๐งญ แก) แិแ័แแ្แុแแាแแៀแ (Learn)
แៀแแាแแ្แแแ្แាแ់แីแៀแแៅ แីแេแขូ แិแแแแិแោแแ៍។ แแ់แแ្แាแ់ แំแ ុแ → แេแៀแ.
- แំแแ់แ៉ោแแៀแแៀแแាแ់แแ្แាแ ៍ (แง. 2–3 แแ/แแ្แាแ ៍)
- แแแេแแាแ់แ័แ្แแឹแแ្แុแแ ៊ុแ/ETF แែแแៀแแាแ
๐ก แข) แិแ័แแ្แុแแាแแាแ់แែแแាแ (Stick to Plan)
แំแแ់แោแแៅแ ្แាแ់ (แง. แ ូแแិแแ្แแ៍, แាแแขแ់แំแូแ) แិแแុំแ្แូแแាแแขាแแ្แแ៍แីแ្แាแ។
- แแแេแ IPS (Investment Policy Statement) แ្แីแ
- แ្แើ DCA แើแ្แីแ្แแ់แ្แแแេแแេแាแ ូแแិแិแោแ
๐งพ แฃ) แិแ័แแ្แុแแាแแแ្แំ (Save)
แแ្แើแแៀแแៅแแិแា แិแแแ្แ ូแแ្แាแ់แแ្แំแៅแិแិแោแแាแ្แแ ាំ (Auto-Invest).
- แ៉ាแ់แ្แแាแแแ្แំ/แែ ⟶ % แ ូแแិแិแោแ
- แែแ្แแ់แ ំแាแแែแแិแแ ាំแាแ ់
⏳ แค) แិแ័แแ្แុแแាแแขแ់แ្แแ់ (Patience)
แីแ្แាแแกើแแ ុះแាแិแ ្แ ។ แขแ់แ្แแ់แាแแ្แឹះแแ្แាแ់แขាแុแាแแแ្แ្แแ់แแ់។
- แិแិแ្แแិแិแោแ 3–6 แែแ្แแ แ្แូแแាแแ៍
- แុំแ ូแแ ិแ្แ “Timing the market” แើแแแ្แិแ
๐ง แฅ) แិแ័แแ្แុแแាแแ្แแ់แ្แแแขាแแ្แแ៍ (Emotion)
แុំแិแแេแแោแ แិแแុំแแ់แេแแ័แ។ แ្แើแិแ្แแ័แแាแូแแ្แាแ។
- แំแแ់ Rule: “Buy zone / Hold / Rebalance / Sell”
- แแ់แ្แ្แោแแ័แ៌แាแแេแแ្แាំแแេแ
๐ แฆ) แិแ័แแ្แុแแាแแិแាแ (Analysis)
แាแ Checklist แុแแិแ៖ แ្แាแ់แ ំแេแ, แฅแแាแ, แូแแាแ់, แแ្แៃแแแแ្แ, แុแแាแแข្แแแ្แแ់แ្แแ។
- แแ្แើแ Watchlist + แោแแแ្แៃแ ូแ (Buy price)
- แំแแ់ Risk per position (แง. ≤5% แៃแ្แแ្แแแុแ)
๐ แง) แិแ័แแ្แុแแាแแ្แួแแិแិแ្แ (Review)
Review แៀแแាแ់ 3–6 แែ: แแាแាแ្แแ្แแ្แแแ្แแ្แិ, แ្แแិแ្แแាแ, แាแแែแแ្แួแ (rebalance).
- แแแេแ Post-mortem แแ្แាแ់แីแាแแแ់/แិแแំแ
- แ្แើ Rebalance แฒ្แแ្แแกแ់แៅ Target allocation
✅ Investor Discipline Checklist
| แ្แแាแแแ | แแแ្แแាแ | แ្แាแแាแ |
|---|---|---|
| IPS (Policy) | แแแេแ IPS 1 แំแ័แ (แោแแៅ, แ ំแាแ់แ្แាแ់แ្แแ្แ, แិแ័แ) | □ |
| Budget → DCA | แំแแ់ % แ្แាแ់แ ូแแិแិแោแแ្แแ ាំแែ (Auto-Invest) | □ |
| Watchlist | แแ្แើแแแ្แីแ្แុแแ ៊ុแ/ETF + แោแแแ្แៃแ ូแ | □ |
| Risk per Position | แំแแ់แแ្แិแแាแแ្แแ់แំแុแ/แាแแិแិแោแ (แง. ≤5%) | □ |
| Review 3–6 แែ | แំแแ់แាแแិแាแ Rebalance แិแแแแេแ Post-mortem | □ |
๐️ Action Plan 30-60-90
- แแแេแ IPS แ្แីแ + แើแ Auto-Invest
- แแ្แើแ Watchlist + Buy rules
- แ្แើแាแแិแแាแ DCA + แแ់แ្แា Journal
- แាแแ្แแ Rebalance แូแ แ (แើแ ាំแាแ ់)
- Review แแាแាแ្แ, แ្แាแ់แ ំแេแ/แាแ
- แែแแ្แข Rule/Checklist แីแแแិแោแแ៍
Tip: แំแแ់แែแិแ័แแែแแขាแ แขแុแแ្แแាแแាแ្แแ ាំ (repeatable). แោแแ័แแែแแ្แាแแแแីแាแแ្แើแ្แឹแแ្แូแแแែแแ។