Finnomena Review 2025 — Best Investment App for Thai Investors?
Finnomena is Thailand’s most popular investment app, with over 1 million users investing in mutual funds and robo-advisor portfolios. We reviewed the platform in depth. Here’s our honest assessment.
Finnomena at a Glance
| Feature | Details |
|---|---|
| Founded | 2015, Bangkok Thailand |
| Regulation | SEC Thailand (Investment Advisor License) |
| Min. Investment | 1 THB |
| Funds Available | 2,000+ Thai and foreign mutual funds |
| Robo-Advisor | ✅ FINN (automated portfolio) |
| RMF/SSF | ✅ Supported |
| Languages | Thai primarily |
FINN — Finnomena’s Robo-Advisor
FINN is Finnomena’s flagship automated investment product. You complete a risk assessment questionnaire, and FINN allocates your portfolio across equity, bond, and money market funds based on your risk profile and investment horizon. FINN automatically rebalances the portfolio when allocations drift from targets.
- 5 risk profiles: Conservative, Moderately Conservative, Moderate, Moderately Aggressive, Aggressive
- Automatic rebalancing — no manual action needed
- Annual fee: 0.5% of portfolio value (plus underlying fund fees)
- Goal-based options — retirement, education, emergency fund goals
Manual Fund Investing
Beyond the robo-advisor, Finnomena gives access to 2,000+ mutual funds from all major Thai fund houses (Kasikorn Asset Management, SCB Asset Management, MFC, One Asset Management, etc.) plus foreign funds. Fund research tools include performance charts, ratings, risk metrics, and the “Finnomena Fund Score” — a proprietary ranking system.
RMF and SSF — Tax Benefits
Finnomena makes it easy to invest in tax-advantaged accounts:
- RMF (Retirement Mutual Fund) — deduct up to 30% of income (max 500,000 THB) from taxable income annually
- SSF (Super Saving Fund) — deduct up to 30% of income (max 200,000 THB) annually
For Thai investors earning 1,000,000+ THB/year, maximising RMF and SSF contributions through Finnomena can save 75,000–175,000+ THB in income tax annually.
Fees
Finnomena charges no transaction fees for buying/selling funds. The cost is the underlying fund’s annual management fee (typically 0.5–2.0% for equity funds) plus Finnomena’s advisory fee if you use FINN (0.5%/year). For DIY fund investing without FINN, you pay only the fund’s management fee — same as buying directly from fund houses but with better research tools and one platform for all funds.
Pros and Cons
| Pros | Cons |
|---|---|
| ✅ SEC Thailand licensed | ❌ Thai language primarily |
| ✅ 1 THB minimum investment | ❌ No direct stock trading |
| ✅ 2,000+ funds on one platform | ❌ FINN 0.5% fee on top of fund fees |
| ✅ RMF/SSF tax savings | ❌ No US stocks or global ETFs directly |
| ✅ Good robo-advisor |
Verdict
Finnomena is the best investment platform for Thai investors who want mutual funds, robo-advisory, and tax-efficient RMF/SSF investing in one place. For US stocks and global ETFs, combine Finnomena with Interactive Brokers.
⚠️ Risk Warning: Investment values can fall. Past performance is not a guarantee. Last updated: March 2025.