Wealth management of educators of the office of the basic education commission in dusit districe for life quality

Abstract

The objective of this study was to examine the wealth management of educational personnel of the office of the Basic Education Commission of Thailand within Dusit District. From the questionnaires, the 330 samples can be analyzed using descriptive statistics, including percentage, frequency, and Chi-square and from interviews with the executives of the Basic Education Commission-the Ministry of Education. The results showed that the majority of respondents were female, aged between 25-40 years as the civil servants, workingperiod of 1-5 years having their revenue of 15,001-30,000 baht. From the financial planning, savings plan were the most. For planning or possession of the most assets included homes, land, and condominium. The current form of savings is found that commercial banks have the greatest of deposit. Liabilities were mainly from mortgage loans. Source of savings to for retirement is commercial bank deposits. The financial planning was found that most plan for achieving the stability in their lives. The most difficulty in financial planning is not to estimate money in the future. The assumption test at the significance level 0.05 showed that the differences of gender made the differences in the amount of their monthly saving and the return on investment within six months. Status differences are more likely to have the variation of value of house, land condominium, movable or personal assets, financial assets in money market, financial assets in the capital markets or assets for investment purposes, all liabilities, the approximate time to pay current debt, the maximum amount of money that is expected to pay up to a month, an amount to save each month, the desired return on investment within six months and the expectancy of the future investment. The differences of education level are more likely to have the variation of value of house, land, condominium, movable or personal assets, all liabilities, interest to be paid, the maximum amount of money that is expected to pay up to a month, the saving rates, the saving amount of each month, the desired lengths of achieving the goal of an investment. The differences of revenue are more likely to have the variation of value of house, land, condominium, movable of personal assets, financial assets in money market, financial assets in the capital markets or assets for investment purposes, total value of all liabilities to be paid, interest to be paid, estimated time to pay current debt, the money that is expected to pay up to a month, the monthly desired saving rates, time to achieve the goal of saving, the saving amount of each month, investment decisions, the demand in return on investment within 6 months, and the tax deduction items