คณะรัฐศาสตร์ฯ จัดบรรยายเรื่อง "วางแผนการออม-การลงทุน สร้างสุขทางการเงิน"

คณะรัฐศาสตร์ฯ ได้รับเกียรติจากท่าน ผศ.ดร.ไพรัช กาญจนการุณ (คณบดีคณะเศรษฐศาสตร์ มหาวิทยาลัยเชียงใหม่) บรรยายในหัวข้อเรื่อง "วางแผนการออม-การลงทุน สร้างสุขทางการเงิน" ให้กับบุคลากรคณะฯ ในวันที่ 25 เมษายน 2561 ณ ห้องประชุมยุทธศาสตร์ อาหาร 50 ปี รัฐศาสตร์ฯ


On Wednesday, 25 April 2018 the Faculty of Political Science and Public Administration invited Asst.Prof.Dr. Pairut Kanjanakaroon, Dean of the Faculty of Economics at Chiang Mai University, to be a special guest speaker at the “Happy Money Seminar”. Participants included faculty members and staff. Assoc.Prof.Dr. Alongkorn Kutrakul, Associate Dean for Student Development, gave the opening remarks and welcomed Dr. Pairut on behalf of the Faculty.

Dr. Pairut began his talk with some lighthearted humor, “Happiness depends on money”. This made participants laugh. He further joked that in these days, the best vitamins aren’t vitamins a, b, and c, but rather vitamins m, h, and l: m(oney), h(ealth), and l(eisure). When m, h, and l increases he noted, happiness also increases. All participants smilingly agreed. Another source of happiness he points out, is that which comes from consumption. Be that as it may, borrowing a remark from the successful investor and businessman Mr. Warren Buffett, Dr. Pairut says “If you buy things you do not need, soon you will have to sell things you need”.

Dr. Pairut pointed out that from the ages of 24 to 60 years old, this is the prime working and money-earning period; i.e. the time to save for retirement, for when you are 60 to 80 years old. As a side note, he made an interesting observation about when you get income from non-wage sources, such as inheritance, motivation to work goes down; and by extension, lowering the opportunity and will to save for the future. One good and achievable strategy to save money that Dr. Pairut suggested is to fix 20-25% of your present income and keep this as savings. Although, he doesn't recommend keeping all of your money in the bank, since the interest rate is so low. Instead, he suggests to invest wisely.

Speaking of investment, although it is true that high risk leads to high expected return, Dr. Pairut cautions that how much risk-taking you take should depend on your age; i.e. when you are young you can afford to make mistakes because you still have time to make up for it. He further emphasizes the importance of distributing financial risk by diversifying income sources, using the expression “Do not put all eggs in one basket,” to illustrate this point. Moreover, Dr. Pairut opined that the best investment an individual can do is to invest in one’s education. On the topic of taxation, Dr. Pairut also talked a little bit about a few common tax breaks and tax deductions that taxpayers should be aware about, and which can help lower their overall tax liability. “Good citizens pay taxes,” he concluded.

Overall, “Happy Money Seminar” was a successful event. It was relaxed and rich in content. Participants were given the opportunity to ask questions during and after the talk. Attendees gained more information about savings, investment, and financial planning for the future. Ms. Nuansri Likitanurak, Secretary of the Faculty, gave the closing remarks and thanked Dr. Pairut for giving his time to share his extensive knowledge and many years of experiences about financial matters with faculty members and staff.

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