10 years ago I went to the North-Eastern part of China to attend a friend’s wedding and experienced a series of culture differences.
Wedding Culture Differences
First off, the wedding banquet was in the day, which by itself is not surprising because I have seen it in Singapore. But in Singapore evening banquets take place more often and the only reason why Singaporeans have banquets in the day is because either the evening slots are all taken up and/or the day slots are cheaper. But apparently in China, people who marry for the first time have banquets in the day, and re-married couples will have banquets in the evenings.
Secondly, when the banquet started, the first dish came. But before I could finish eating, the second, third, fourth dish came out and before long, the whole table was full of plates and food. I was mildly irritated and was asking why the waiter was in such a hurry? Couldn’t she wait for us to finish the first dish before putting out the second one? That was because in Singapore, the dishes come out one at a time, and people are given more than enough time to finish eating that particular dish before the next dish was set out. In China, they put out everything at one go and everyone could pick and choose what they like to eat.
Lastly, after the banquet, I went to my friend’s father’s house. I had no idea why we did that, but that was what happened. The friend’s father asked me if I drank baijiu (็ฝ้ ), and I said yes. But when he took out bowls instead of glasses, I went full ‘wtf’ and realised I made an understanding error. I suddenly remembered that unlike Singapore where ‘baijiu’ refers to white wine, in China it refers to their hard liquor. That was the first time I saw a young Chinese lady drinking many bowls and could walk straight at the end. I could not even finish a bowl. I could drink whisky or tequila at that time, but not baijiu. I can do it now though.
The above are just few examples of small cultural misunderstanding which has no harm or negative impact in my life or decision-making. But a lack of cultural understanding on more important decisions could lead to unmet expectations and many disappointments, or even a period of life or investment gone wrong.
What are the more impactful decisions as an ordinary commonfolk we make when it comes to dealing with another country?
- Investing in that country’s stock market.
- Doing business in or with that country.
- Going aboard to that place to work / study.
Every country and race / tribe has their own extraordinary strength and critical flaw, some of which makes us tear our hair and stomp our feet in anger and exasperation, but if you position yourself well in accordance to your character, you may find that the strengths the other party has may be just what you need and you are able to deal with or avoid their flaws. A ‘good country’ in the eyes of one may not be so in the eyes of another. A ‘bad country’ for a person may actually be the ideal one for another. One cannot just blindly follow what the ‘whole world’ says, but to look hard at oneself and to ask, what kind of country is suitable for me? If one does not take the effort to get to know himself and the country he is dealing with, there may be consequences that one is unprepared for.

Let me quote a few examples objectively, without prejudice or judgment.
To Work
Singapore is a country with a reputation of being great for earning money but not for living. The Singapore Dollar is strong and bigger than many currencies, the salary is higher compared to many places and therefore the efficiency of earning money is far greater than many places. Singapore is a place with many opportunities, a place where if you are willing to slog it out, you can earn much money. But at the same time the cost of living is right at the top of the world. For the ordinary person, if one intends to work here as a foreigner and save up sufficiently enough to bring home, one has to sacrifice many of the small everyday comforts of life and be on a very tight spending discipline, failing which one may find that he or she works in Singapore for a few years and end up with little.
One of the cultural aspects of Singapore which many find it difficult to accept is of our sense of boundaries, which some called it ‘coldness’. Many foreigners have claimed that Singaporeans are cold towards one another, and do not feel warmth coming from us. But on the flip side, Singaporeans have a very strong sense of boundary. Do not cross over my boundary, do not interfere and poke into my private matters. Do not make your problem into my problem. In certain societies where every relative and friend could have a say or influence in how you run your life, and where you have to spend much effort to maintain social relationships, perhaps certain people find that the Singapore way is easier. Of course, when you need help, do remember that many people do not want you to make your problem into their problem.
Also, forget about freedom while in Singapore. The penalty of not following the rules and regulations here may sometimes be harsh. Money or freedom, choose one.
So if you are the type who is willing to sacrifice 10 years of your life to flip things over and one that values privacy over a warm network of social relationships, then Singapore is a great place for you. Else, you are probably going to feel like you are like a lone soldier left to live and die by his own in this cold harsh world.

To Live
New Zealand is a very nice country. Rustic scenery, sometimes dubbed as Earth’s last clean place. Driving around in forest trails and seeing rabbits hopping, noticing the smell of fruits in the summar air and eating french fries while looking up at the stars is but a normal occurence in New Zealand. Far out in the corner of the Earth, it has a peace undisturbed by the rest of the world.
They have minerals which they do not want to mine because it is harmful for the environment. They have a big piece of land for a small population, and hence an abundance of resources compared to Singapore. In fact, it is the exact opposite of Singapore, and that causes the total opposite in terms of culture. If Singapore is a country where people slave for money, then use money to solve daily life’s various problems such as fixing a car, calling for a plumber etc, then New Zealand is a country where people prefers to solve these daily life’s little problems on their own.

The fact that they have resources but refuses to mine shows that money and economic development is not their top priority, and that living the good life is supposed to be above financial gains. I have lived and worked in New Zealand for a period, and indeed it is truly opposite with respect to Singapore in every aspect. I once tried to place an order of goods with a farm, only to be told that they have completed their production quota for the season, and they are not looking to take any more orders. In most other societies, nobody would reject more money making opportunity. Similar to Australia, in their daily life, the shops will close during after office hours, weekends and public holidays. The only shops you see opening are opened by the Chinese and Indians, occasionally the Japanese and the Koreans.
And if you are doing business or even working with them, you got to be careful. They have little planning and foresight, and they do business as if they are playing house. Again, I emphasise this is not a degradatory remark, but rather a neutrally objective assessment without prejudice. You just have got to be prepared for hiccups which can be foreseen and prevented early on but not acted upon. On the other hand, New Zealanders are definitely friendly people. I would say the type that can be friends, not not business partners nor colleagues.
A nice place to live in for some, but not for earning money or carving out a career.
Again, every individual is different. There are some who simply likes the convenience of living and to be able to shop, eat and play within a radius of their house. In that case, perhaps Japan is suitable.
To Invest
US, the land of the free. The nation where the big corporations run the show and the country where capital is greater than human lives. They have the most advanced capital markets in the world. Bonds, options, futures, ETFs of various kinds and index of every kind. Nowhere else in Middle Earth you see a greater and more comprehensive capital market like them. They are the very best and at the very top.
It is a place where capital controls everything and suppresses the people, where citizens can work 3 odd jobs and leave nothing behind at the end of every month. Druggies combed the streets and the government run controlled centres to inject drugs into their own citizens for the sake of capital. For the sake of freedom people can take a gun and roam the streets, but at the same time one can cut down someone who trespasses into your house.
Freedom. Freedom of speech. Freedom of religion. Freedon of speech. Freedon of the press. Freedom of assembly. The right to petition. Sounds familiar? It is the five freedoms of the First Amendment.
Freedom, or liberty, is the foundation upon which the nation is built. And it is on that the US grew to where it is today. It is on that we have the free market. The big corporations clamped down on the people. And what if we cannot beat them? We join them. Invest in this evil corrupted corporates.

But the volatility of the free market is not for everyone. The President (Donald Trump) has no qualms to manipulate the stock and crypto market himself and members of the Congress (eg Nancy Pelosi) openly do insider trading. What happens if one wants to have a stable investment without all the drama? Perhaps one actually could have consider China A shares with their government’s ‘invisible hand’ where they cushion the market in a free fall and dampen the price in cases of mindless frenzies, all to stabilise and calm down the market. Which of the market is more suitable is again dependent on the individual.
For Second Chances
People make mistakes. Sometimes it leads to imprisonment and an unglamourous record which affects your future in your home country. You want to restart, but have no idea where. Thailand is a place with many different visas and one which does not bother about criminal records. One can restart his life there. It is not a developed place, and a foreigner trying to make out a second life there got to be a little street smart, but the flexibility it offers may just be the right environment for certain people to thrive. But for people who are fixated on order and the proper way of doing things, perhaps it may not be the best place to live in.

Conclusion
There are many more countries and examples I could name and contrast, but you get the gist. Every one of us has a different personality. And countries, which are a collective of people, also has their own unique traits, some of which we can accept readily, some of which we reject wholeheartedly. There is no point cursing and swearing when things do not go your way, although I do that all the time. But logically, be it for work, for business or for investment, one should choose a country that fits his or her own character.
One man’s meat is another man’s poison.
10ๅนดๅ๏ผๆๅปไธญๅๆฑๅๅๅ ไธๅๆๅ็ๅฉ็ฆฎ๏ผ็ถๅพ้ซ้ฉไบไธ็ณปๅ็ๆๅไธๅใ
ๅฉ็ฆฎๆๅๅทฎ็ฐ
้ฆๅ ๏ผๅฉๅฎดๆฏ็ฝๅคฉ่่ก็ใ้ๅจๆฐๅ ๅกไนไธ็จๅฅ๏ผไฝๆฐๅ ๅกไธป่ฆๆฏๆๅฎด็บไธปใ้ธๆๅจ็ฝๅคฉ่่กๅฉๅฎด็ๅคงๅค้ฝๆฏๅ ็บๆๅฎด่ขซๅ ถไปไบบ่จๆปฟไบ๏ผๆ่ ๅฐฑๆฏ็บไบๅไพฟๅฎใๅปไบไธญๅๆ็ฅ้๏ผๅไพ็ฌฌไธๆฌก็ตๅฉๆฏ็ฝๅคฉ๏ผไบๅฉๆๆฏๆๅฎดใ
ๅฉๅฎด้ๅงๅพ๏ผๆๅๅกไธไบ็ฌฌไธ้่ใๆๅ้ๅงๅใ1ๅ้ๅพ๏ผ็ฌฌไบ้่ๅฐฑไธไบใ็ถๅพ็ฌฌไธ๏ผๅ๏ผไบ้่ใ็ถๆๆ้ๆ้ปไธ่็ ฉ๏ผๅไบไธๆ้บผ้ฃๆๅๅก้ฃ้บผๆฅ๏ผไธๆ็ญๆๅๅๅฎ็ฌฌไธ้่ๅไธ็ฌฌไบ้๏ผ้ฃๆฏๅ ็บๅจๆฐๅ ๅก๏ผๅฉๅฎด็่้ฝๆฏไธไธ้๏ผ็ตฆๅคงๅฎถๆ้ๅๅฎ๏ผๅไธ็ฌฌไบ้ใไฝๅจไธญๅ๏ผๆฏๅ จ้จไธ่ตทไธ๏ผ็ถๅพๅคงๅฎถๅฐฑ้้บผๅใ
ๅฉๅฎด็ตๆๅพ๏ผๆ่ท่ไธไบไบบๅปไบๆฐๅจๅญ็ถ่ฆช็ๅฎถใๅ ถๅฏฆๅฐไปๅคฉๆไนไธ็ฅ้็บไป้บผๆๅ่ทๅปไป็ๅฎถใไธ้ๆ่จๅพๆๅ็ถ่ฆชๅๆๅไธๅ็ฝ้ ใๅจๆฐๅ ๅก๏ผ็ฝ้ ๅฐฑๆฏ็ฝ่ก่้ ใๅฐฑๅๆๅ่ชช็ด (่ก่)้ ไธๆจฃใๆ้ปไบ้ ญ่ชช๏ผๆๅใๅคงๅๅพ้ซ่๏ผ็ถๅพๆฟๅบไพไบๅนพๅ็ขใ็ถๆๆๆณ๏ผๅคงๅไฝ ๆฟ็ขไฝ็๏ผ็ๅฐไปๆฟๅบไธญๅ็ฝ้ ๅพ๏ผๆๅฟๆณโๆฏไบโ๏ผไป่ชช็็ฝ้ ๆฏ้ๅ๏ผ้ฃๆฏๆ็ฌฌไธๆฌก่ฆๅฐไธๅๆฑๅๅฐๅงๅงๅไบๅพๅค็ข้ ๏ผๆๅพ่ตฐ่ทฏ้่ฝ่ตฐ็ด็ใๆๅ็ข้ฝๆฒๅไธๅปใ้ฃๆ็ๆ่ฝๅๆด้ ๏ผไฝๆฏ็ฝ้ ๅฐฑๆฏๅไธ้ฒ๏ผ่ฆบๅพๅพๆฒใไธ้็พๅจ่ฝๅไบใ
ไปฅไธไธ้ๆฏ็ๆดปไธ๏ผ็ก้็็ข็ๆๅๅทฎ็ฐใๅปไบๅๅฉๅฎด๏ผๅญธ็ฟไบๆฐๆฑ่ฅฟใไฝๆฏ๏ผๅฆๆๆๅไธไบ่งฃไปๅ็ๆๅ๏ผไพฟ่ฒฟ็ถ็ๅไธไบๆฑบๅฎ๏ผไพๅฆๅปๅฆไธๅๅๅฎถ็ๆดป๏ผๆๅทฅ๏ผๅ็ๆ๏ผๆ่ณ็่ฉฑ๏ผๆๆๅๆๅๅทฎ็ฐๆ่ฎๆๅๆๆๆณไธๅฐ็ๅคฑๆๅไธ้ๆจ็้ ๆใ
ๆฏๅๅๅฎถๅๆฐๆ้ฝๆ่ชๅทฑ่ถๆผไปไบบ็้ท่๏ผๅๆไนๆ่ฎไปไบบๆ็็้ๅคง็ผบ้ทใไฝๆฏๅฆๆ่ฝๆ นๆ่ชๅทฑ็ๆงๆ ผๆบๅฐ่ชๅทฑ็ไฝ็ฝฎ๏ผๆ่จฑไฝ ่ฝ็ผ็พๅฐๆน็้ท่ๆญฃๆฏไฝ ้่ฆ็๏ผๅๆไน่ฝ้ฟ้ๆๆฅๅไปๅ็็ญๆฟใๅๅฎถ็โๅฅฝๅฃโๅ ไบบ่็ฐใๆๅ้ฝๅฟ ้ ็ๆธ ่ชๅทฑ๏ผ็ถๅพๆ่ๅชๅๅๅฎถๆฏ้ฉๅๆๅปโๆไบค้โ็ใๅฆๆไธ่ฑ้ๅฟๆ๏ผๅจๅๅบๆฑบๅฎๅพ๏ผๆๅฏ่ฝๆๆๆๆณไธๅฐ็ๅพๆใ

่ฎๆๅไพไธญ็ซ็๏ผๆฏซ็กๅ่ฆ็ๆข่จๅนพๅไพๅญใ
ๆๅทฅ่ณบ้ข
ๆฐๅ ๅกๆฏๅๅพๅฅฝ่ณบ้ขไฝไธๅฅฝ็ๆดป็ๅฐๆนใๆฐๅนฃๆฏๅพๅคๅๅฎถ็่ฒจๅนฃ้ๅผทๅคง๏ผ่ชๆฐดไนๆฏๅพๅคๅๅฎถ้ซ๏ผไปฃ่กจ่ๅจๆฐๅ ๅก่ณบ้ขๆ็้ ้ ้ซ้ๅ ถไปๅฐๆนใๆฐๅ ๅกๆฏๅ้ๅฐๆฉๆ็ๅฐๆน๏ผๅช่ฆ่ฏๆผ๏ผๅฐฑ่ฝ่ณบๅฐๅพๅค้ขใไฝๅๆๆฐๅ ๅก็ๆๆดปๆๆฌๆฏๅ จ็ๆ้ซใๅฐไธๅๆฎ้ไบบไพ่ชช๏ผๅฆๆ่ฆไพๆฐๅ ๅกๅทฅไฝไธฆไธๅญๅฐ่ถณๅค ็้ขๅธถๅๅฎถ๏ผ้ฃๅฐฑๅพ็ง็ฒ่จฑๅคๆฅๅธธ็ๅฐ็ขบๅนธ๏ผๅดๆ ผๆๆงๅฅฝ่ชๅทฑ็่ฑ้ท๏ผไธ็ถๅทฅไฝๅนพๅนดๅพ๏ผๆ็ผ็พๆฒๅญไธๅคๅฐ้ขใ
ไธๅๅพๅคๅคๅไบบ้ฃไปฅๆฅๅ็ๆฐๅ ๅกๆๅๅฐฑๆฏๆๅ็้็ๆใๅจ่จฑๅคๅคๅไบบ็ผ่ฃก๏ผๆฐๅ ๅกไบบ้ฝๅพๅทๆผ ็กๆ ๏ผๅพๆฐๅ ๅกๆ่ฆบไธๅบไธ็ตฒๆบซๆใไฝๅพๅฆไธๆน้ข็๏ผ้่ผๅผท็้็ๆๆ้ฒๆญขๅฅไบบๆๆ่ชๅทฑ็็ง็ๆดปใไธ่ฆๅๆ่ชๆฐดๅคๅฐ๏ผๆๆฏๅฆ็ตๅฉ็ๅญฉๅญไธ้ไฝ ็ไบ๏ผ็ฎกๅฅฝไฝ ่ชๅทฑ็ไบๅฐฑ่ก๏ผไธ่ฆๆไฝ ็ๅ้ก่ฎๆๆ็ๅ้กใๅจไธไบ้้ซ็คพๆ๏ผๅธธๆๆ่ฆชๆๅฅฝๅๅฐไฝ ็็ๆดปๆฑบๅฎๆ้ปๆๆนๅค๏ผ้ๅพ่ฑๅพๅคๅฟๆ็ถญๆ้ไฟใๅจๆฐๅ ๅก้ไบๅฐฑ้ฝไธๆฏๅไบใๆฏๅฅฝๆฏๅฃ๏ผๅ ไบบ่็ฐ๏ผ็ด็ฒน็ไฝ ๆงๆ ผใ็ถ็ถ๏ผๅจๆฐๅ ๅก๏ผๅชๅคฉไฝ ้่ฆๅฅไบบๅนซๅฟๆ๏ผไนๅฐฑๆ็ผ็พๆ่จฑไฝ ไธ่ฉฒๆไฝ ็ๅ้ก่ฎๆไปไบบ็ๅ้กใ
่ฆๅจๆฐๅ ๅกๅทฅไฝ๏ผๅฐฑๆ่ช็ฑๆๅปไธ้ใ้่ฃก็่ฆๅ้ๅธธๅด่ฌน๏ผ่ธฉไบไธ้ป็ทๅฐฑๆ็ผ็พไปฃๅน้ๅธธๅคงใ้้ขๅ่ช็ฑ๏ผ้ธไธๅใ
ๆไปฅๅฆๆไฝ ๆฏ้ฃ็จฎ้กๆ็ง็ฒ10ๅนดไพ็ฟป่บซ(ๆๅฐฑๆฏ)๏ผๆๅไบบ้ฑ็งๆพๅจๆบซๆ็ไบบ้ๅไนไธ็ไบบ,้ฃๆ่จฑๆฐๅ ๅก้ๅธธ้ฉๅไฝ ใๅฆๆไธๆฏ๏ผไฝ ๅจๆฐๅ ๅก็ๆฅๅญๆ่จฑๆ่ฎไฝ ่ฆบๅพไฝ ๆฏไธๅๅจ้ๅทๆผ ไธ็๏ผ่ช็่ชๆป ๏ผๅญค่ปๅฅฎๆฐ็ไบบใ

็ๆดป
็ด่ฅฟ่ญๆฏไธๅ้ๅธธ็พๅฅฝ็ๅๅฎถใ่ญฝ็บๅฐ็ๆๅพไธ็ๆทจๅ๏ผๅฎๆๅพ็พ้บ็้ขจๆฏใๅจๆ้ๅฐๅพ้่่ป๏ผ่ฝ็่ฆ่ทณ่บ็ๅ ๅญ๏ผๅคๅคฉ็ๆๅ่ฝ่ๅฐ็ฉบๆฐฃไธญๆๅฏฆ็ๅณ้๏ผๆไธๅ่่ฏๆข็่ๅค็ฉบ็ๆๆไธ้ๆฏ็ด่ฅฟ่ญไธๅๅจๆฎ้ไธ้็ๅ ดๆฏใๅจๅฐ็็ไธๅ่ง่ฝ๏ผ็ด่ฅฟ่ญๆๅ่ไธ้็ต็ๅฏง้ใ
็ด่ฅฟ่ญๆ็คฆไฝ็บไบไฟ่ญท็ฐๅข่้ธๆไธ้ๆกใไปๅๆฏๅๅฐๅคงไบบๅฐ็ๅๅฎถ๏ผๅๆฐๅ ๅกๆช็ถ็ธๅ๏ผๆฏๅ่ณๆบ่ฑๅ็ๅๅฎถใ้ไนๅฐ่ดไบๅ ฉๅ็ๅพนๅบ็ธๅ็ๆๅใ่ฅ่ชชๆฐๅ ๅกๆฏๅ็บ้ข่ณฃๅฝ๏ผ็ถๅพๆฟ่้ขๅป่งฃๆฑบๆฅๅธธๅ็จฎๅ้ก(ไฟฎ่ป๏ผๆฐด็ฎก็ญ็ญ)็ๅๅบฆ๏ผ้ฃ้บผ็ด่ฅฟ่ญๆฏๅไธ่ฑ้ข่ชๅทฑ่งฃๆฑบ้ไบๅ้ก็็คพๆใ

ๅฎๆ็ด่ฅฟ่ญๆ่ณๆบไฝไธ้ๆก๏ผ่ชชๆไบ้้ขๅ็ถๆฟ็ผๅฑไธๆฏไปๅ็ๅชๅ ่ๆ ฎใ้ๅๅฅฝๆฅๅญๆฏ่ณบ้ขๆด้่ฆใๆๆพ็ถๅจ็ด่ฅฟ่ญไฝ้ไธๆฎตๆ้๏ผๅฏไปฅๆ้กฏๆๅๅฐๅๆฐๅ ๅกๅๅๆน้ขๆฏๆช็ถไธๅใๆๆพ็ถ็บไบๆ็็ๆ่ฉฆๅๅ้ฃ่ฃก็ไธๅฎถ่พฒๅ ดไธๅฎ๏ผๅป่ขซๅ็ฅไปๅ็็ข้ๅทฒ้ๅฐ๏ผไธฆๅทฒ็ถไผๆฏไบ๏ผๅณไพฟๆ้คๅฐไนๆฒๆ็ฎๆฅๆ็่จๅฎใๅจๅพๅคๅ ถไปๅๅฎถ๏ผ้็จฎๆ่ทฏๆฏ็ตๅฐไธๆๅบ็พ็ใๅๆพณๆดฒไธๆจฃ๏ผๅฐไบๆไธ๏ผ่กไธ็ๅๅบ้ฝๆ็ไบใๆไธ๏ผ้ฑๆซ๏ผๅๆฅๆ็ๆฅญ็ๅบ่ฆๅๆฏไธญๅไบบ๏ผ่ฆๅๆฏๅฐๅบฆไบบ๏ผๅถ็พๅบ็พๅ้ๅๆๆฅๆฌไบบใ
่ๅฆๆไฝ ๆณ่ฆๅไปๅๅ็ๆ็่ณ็บไปๅๅทฅไฝ๏ผๅฐฑ่ฆๆๅฟ้ปใไปๅๆฒๆๅคๅฐ่ฆๅๅ้ ่ฆ๏ผๅ็ๆๅฐฑๅ้ๅฎถๅฎถใ้ไธๆฏๅๆงฝไปๅ็่ฉฑ๏ผ่ๆฏไธญ็ซ็๏ผๆฒๅ่ฆ็ๆ่ฟฐไบๅฏฆใๅไปๅๆไบค้๏ผๅฐฑๅพๆๅฟ็ๆบๅ้ขๅฐ่จฑๅคๆฉๆๅพๆ้กฏไธๅฏ้ฟๅ ๏ผไฝๆฒๆ่งฃๆฑบ็ๅ้กใๅฆไธๆน้ข๏ผ็ด่ฅฟ่ญไบบ้ฝๆบๅๅ็๏ผๆฏ้ฃ็จฎๅฏไปฅๅๆๅไฝๆฏไธ่ฝไธ่ตทๅ ฑไบ็็พค้ซใ
ๅฐๆผๆไบไบบไพ่ชช๏ผ็ด่ฅฟ่ญๆฏๅ้ฉๅๅฑ ไฝ๏ผไฝไธ้ฉๅ้ๅบไธ็ชๆ็ธพ็ๅฐๆนใ็ถ็ถ๏ผๆฏๅไบบๆฏไธไธๆจฃ็ใๆไบไบบๅฐฑๅๆญกๅฑ ไฝๅจๆนไพฟ๏ผ่ฝ่ณผ็ฉ็ฉๆจ็ๅฐๆนใ้ฃ้บผๅฏ่ฝ็ธ่ผๆผ็ด่ฅฟ่ญ๏ผๆฅๆฌๆๆฏๅๆดๅฅฝ็้ธๆใ
ๆ่ณ
็พๅ๏ผ่ช็ฑไนๅใไธๅๅคงไผๆฅญๆงๅถไธๅ๏ผ่ณๆฌๅคง้ไบบๅฝ็ๅฐๆนใไปๅๆ่ๅ จ็ๆ็ผ้็่ณๆฌๅธๅ ด – ๅตๅธ๏ผๆๆฌ๏ผๆ่ฒจ๏ผETF๏ผๅ็จฎๆๆธ็ญ็ญใๆฒๆๅฅ็ๅฐๆนๆๆฏไปๅๆดๅฎๅๆดๅผทๅคง็่ณๆฌๅธๅ ดใไปๅๆฏๆ้ ๅฐ็ใ
ๅจ้ๅ่ณๆฌๆงๅถๅๅฃๅถไธๅ็ๅฐๆน๏ผๆๅ่ฝ็่ฆๅๆฐๆ3ไปฝๅทฅๅปไป็ถๅจ่ฒงๅฐ็ทไนไธใ้จ่ๅฏ่ฆ็็ฎๅๅญไนๅฏไปฅๅปๆฟๅบ้็็ไธญๅฟๆไธๅๆฏๅใ็บไบ่ณๆฌ๏ผๆฟๅบ็ซ็ถ่พฆๆฏๅไธญๅฟ่ฎ่ชๅทฑ็ๅญๆฐๅปๆ๏ผๅจ่ช็ฑ็ๅ ็ฐไธ๏ผไบบๅๅฏไปฅๅธถ่ๆงๅจ่กไธ่ท๏ผๅๆไฝ ไน่ฝๆ้ๅ ฅไฝ ไฝๅฎ ็ไบบๆฏซไธ็ๆ ๅฐ็ ไธใ
่ช็ฑใ่จ่ซ่ช็ฑใๅฎๆไฟกไปฐ่ช็ฑใๆฐ่่ช็ฑใๆฉๆ่ช็ฑใ่ซ้ก่ช็ฑใ
่ช็ฑ๏ผ็พๅ็ซๅ็ๅบ็ค๏ผไธฆไฝฟๅพ็พๅๆ้ทๅฐไปๅคฉ็ๅผทๅคง๏ผไนๅธถ้ ไบๆๅๆไปๅคฉ็่ช็ฑๅธๅ ดใไฝๅคงไผๆฅญๅปๆฏซไธ็ๆ ็ๅฃๆฆจ็พๅงใไฝๅฐๆผๆไพ่ชช๏ผ่ฅไธ่ฝๆๆไปๅ๏ผ้ฃๆไพฟๅ ๅ ฅไปๅ – ๆ่ณ้ไบ่ณบ่่ก่้ฅ ้ ญ็ๅคงไผๆฅญใ

ไฝ็พ่ก็ๅ่ฉไนไธๆฏๆฏๅไบบ่ฝๆฟๅๅพไฝ็ใ็ธฝ็ตฑ(ๅทๆฎ)่ฝๆฒๆ้กงๆ ฎ็ๆไฝ่กๅธ๏ผ็พ่ญฐ้ขๆๅก(ไฝฉๆด่ฅฟ)่ฝ่็กๅฟๆ็ๆๅ งๅนไบคๆใๅฆๆ่ฆๆ็ฉฉๅฎ็ๆ่ณๅข๏ผๆ่จฑๅฏไปฅ่ๆ ฎไธญๅA่กใๅๅฎถๆๆฏ็ไธ่ฆ็ๆ๏ผๅจ่กๅนๅคง่ท็ๆๅๅนซๅฟๅ ๅบ๏ผๅจ็็ๆ้ๆฝไธไบๅทๆฐด่ฎๅคงๅฎถๅท้ไบใๅชไธๅๆด้ฉๅ๏ผๅๆฏๅ ไบบ่็ฐใ
้ๆฐ้ๅง
ๆฏไบบ้ฝๆ็ฏ้ฏใๆๆ้้ฏ่ชคๅฐ่ดไธๅๅๆ๏ผไธๅไธๅ ๅฝฉ็่จ้ๅไธๅๅจ่ชๅทฑๅๅฎถๆท้ๆชไพ็็ตๆใไฝ ๆณ่ฆ้ๅง๏ผไฝไธ็ฅ้ๅพไฝ่่ตทใๆณฐๅๆฏไธๅไธ็ฎก็ฏ็ฝช่จ้ไธๆๅ็จฎไธๅ็็ฐฝ่ญ็ๅๅฎถใไธๅ็ฏ้้ฏ็ไบบๅฏไปฅๅจ้ฃ่ฃก้ๆฐ้ๅงใๆณฐๅไธ็ผ้๏ผๆไปฅ่ฆๅจ้ฃ่ฃกๆททไธ็ๅคๅไบบๅฟ ้ ่ฆๆ้ป็คพๆ็ถ้ฉ๏ผไฝๆณฐๅๆไพ็้ๆดปๅบฆๆ่จฑๅฐๆไบไบบไพ่ชชๆฏๅๅพๅฅฝ็ผๅฑ็ๅฐๆนใๅฐๅท่ๆผ่ฆ็ฉ็ไบบไพ่ชช๏ผๆณฐๅๆ่จฑไธๆฏๅๅฅฝๅฐๆนใ

็ต่ซ
ๆ้ๆๅพๅคๅๅฎถๅไพๅญๅฏๆฟๅบๅๅฐๆฏ๏ผไฝๅคง้ซๅฐฑๆฏ้ๅๆๆใๆๅๆฏๅไบบ้ฝๆ่ชๅทฑ็ๅๆงใ่ๅๅฎถ๏ผไฝ็บไบบ็พค็้้ซ๏ผไนๆฏๆ่ชๅทฑ็็น่ณช๏ผๆไบๆๅๆฌฃ็ถๆฅๅ๏ผๆไบๆๅๆๆทๆ็ตใไบๆ ไธ้ ไฝ ๆ็ๆๅ๏ผๆฒๅฟ ่ฆๆฑๆจ(้็ถๆๆๅธธ้ฃ้บผๅ)ใไธ็ฎกๆฏ่ฆ็ๆดป๏ผๆๅทฅ๏ผๅ็ๆ้ๆฏๆ่ณ๏ผๅช้่ฆ็ๆบ็้ธไธๅ้ฉๅไฝ ่ชๅทฑๆงๆ ผ็ๅๅฎถใ
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