Mitihoon – KTC continues its commitment to empowering first jobbers by hosting a special class on “Personal Financial Management and Investment” for fourth-year students at Chulalongkorn University. The initiative aims to build financial resilience and discipline among students as they prepare to enter the workforce.
Mr. Apichet Kiatworakun, CFA, Financial Director at Krungthai Card Public Company Limited (KTC), stated, “It was an honored to represent KTC in sharing financial perspectives with students from Chulalongkorn University’s Computer Engineering and Digital Technology program. As these students prepare to graduate and begin managing their own incomes, our session focused on building long-term financial resilience through practical tools and behavioral insights. We emphasized that financial success is not about how much you earn, but how well you manage it. Using real-life examples such as Mike Tyson’s financial journey, we explored the impact of discipline and decision-making on financial security. Students were introduced to the 50/30/20 budgeting rule and the concept of setting financial goals across three horizons—short, medium, and long term—turning intentions into measurable actions. We also discussed the psychological aspects of financial behavior, including the Marshmallow Test, to highlight how short-term temptations can undermine long-term planning, especially among Gen Z.”
In the investment segment, students explored the relationship between risk and return across various asset classes—including cash, money, markets, bonds, mutualfunds, real estate, equities, cryptocurrencies and collectibles—reinforcing the principle that no asset is entirely risk-free, not even cash due to inflation.
The session emphasized the importance of diversification and portfolio rebalancing to avoid overconcentration and maintain strategic allocation through market cycles. Practical financial habits were also introduced, inspired by the concept of Atomic Habits, such as the 2-Minute Rule for automatic saving and investing, Habit Stacking, and the Goldilocks Rule, providing students with simple, actionable steps to build long-term financial discipline.”
Sound investment planning and financial discipline can make a lasting impact over time. KTC’s objective is to cultivate a financial mindset that translates into real-life decision-making—by setting measurable goals, saving before spending, understanding risks, and maintaining discipline. These principles offer a practical framework for making informed financial choices, rather than reacting emotionally, which often leads to greater risk. The Q&A session was lively, with many engineering students expressing interest in applying their technical skills to finance, exploring careers in financial analysis and data science, and even developing investment applications to help manage savings and portfolios systematically.
Students were eager to explore how engineering skills could be applied to finance, data analytics, and investment tech—tools that promote disciplined financial habits. Their curiosity extended to business models and the future of legacy industries, reflecting a sharp awareness of economic shifts and a drive to shape sustainable innovation for Thailand’s future.”
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